Travel insurance with medical conditions

Some travel insurance providers will only cover you for treatment and claims that aren’t related to pre-existing medical conditions. But emergency treatment abroad can cost a small fortune.  

If you have a health condition, you’ll need medical travel insurance including pre-existing conditions, so you’re properly protected. It’s the best way to make sure your policy is valid when you need to use it.  

Over 97% of people can get cover with us. Add your medical condition(s) to our award-winning travel insurance, which includes COVID-19 cover*, luggage losses, cancellation cover and more. 

That’s your passport to peace of mind.

• We’re the UK’s number one travel insurance provider, based on Trustpilot reviews 

• We specialise in medical travel insurance and can cover almost all pre-existing conditions  

• Includes all the benefits of our award-winning travel insurance 

• 24/7 support whilst away from specialist medical advisors worldwide 

• Unlimited medical expenses on our Comprehensive and Signature policies  

A pre-existing medical condition for travel insurance is one where, over the past two years, you’ve had:

✔   Symptoms 
✔   Treatment and/or medication 
✔   Investigations and/or surgery 
✔   Medical appointments 

We also need to know if you’ve had a heart or circulation condition at any time.

To offer you a policy that reflects the cover you might need, you’ll be asked about your current health rather than just the name of your condition.  

Our simple medical screening makes it easy - get a quote tailored to you within minutes. 

To get cover, you’ll need to declare all your pre-existing condition(s) to us when getting a quote for travel insurance. We make it easy to get a quote tailored to your trip and health. 

See our FAQs for more on what’s covered and what you need to disclose.

1. Tell us about your trip

We’ll need a few quick details to get started: 

• If you need cover for one trip or multiple trips
• Who the insurance is for
• Where you’re going and how long for

2. Let us know about your condition(s)

Our simple medical screening helps us understand you better and the care you could need abroad. 

We’ll ask about pre-existing conditions, which is any health issue where in the last two years you’ve had:  

• Appointments
• Symptoms
• Tests or investigations
• Treatments
• Hospitalisations
• Medication

We also need to know if you've ever had heart conditions or circulation problems.

3. Get your quote

If you complete the screening and we can cover you, your tailored quote will be available to view online, and emailed to you. It includes travel insurance tailored to cover your condition(s). 

Explore and choose from three levels of cover to suit your needs (as below).

Choose optional add-ons to tailor your quote to your trip, including winter sports or cruise plus benefits.

It only takes a few minutes to get a quote tailored to your trip and conditions. Or if you’d prefer to talk to someone, call our friendly team who are happy to help.

Dreaming big with your nearest and dearest has never been more rewarding. Refer a friend, and we'll give them 20% off.¹ If they buy, you'll earn a £10 Love2Shop gift card.²

You can make changes to your policy, online and in your own time with My Staysure.

It’s quick and easy to make changes to your policy online. If you need to make simple changes such as updating traveller details or renewing a policy that’s details are staying the same, just visit your My Staysure account.