Medical Travel Insurance

Travel insurance and the FCDO

Holiday Extras now offers enhanced COVID-19 protect enabling you to travel to European countries where the Foreign, Commonwealth & Development Office (FCDO) advises against "non-essential" travel, as long as the advice is against all but essential travel solely as a result of COVID-19. For more information, see our COVID-19 cover section of this page.

Welcome back to holidays! Holiday Extras offers comprehensive, tailored medical cover for your trip. ALL medical conditions considered.

Finding suitable travel insurance with a medical condition isn't necessarily the hard part. It's finding a provider that won't compromise on comprehensive cover and a tailored policy for your needs. At Holiday Extras, we cover the majority of pre-existing medical conditions, and all medical conditions will be considered.

With over 99% of common conditions covered, we are proud that our specialist medical cover meets the requirements for inclusion on the Money Advice Service (MAS) travel insurance directory.

Book on or offline - We have over 30 trained insurance specialists available by phone or on livechat via our Insurance Support Page waiting to answer any questions you may have. They'll also be able to talk you through the entire booking process.

If you have an further enquiries or concerns regarding travel returning on May 17th the Holiday Extras' Hassle-free Holiday Hub, is your one-stop shop for all-things travel related.

COVID-19 cover

While travel restrictions are beginning to lift, we understand that this is still an unpredictable time. As such, peace of mind is of the utmost importance. That's why at Holiday Extras, we offer COVID-19 cover on our Bronze, Silver and Gold policies as standard. As such, you are insured for the following:

  • Cancellation if you or anyone insured on your policy contracts COVID-19 prior to travelling and receives a positive test within 14 days prior to the travel start date.
  • Abandonment cover if you, or anyone insured on this policy were denied boarding by your transport provider on the outward journey of your trip due to having or being suspected of having an infectious disease including COVID-19.
  • Up to £15,000,000 if you require emergency medical treatment abroad.
  • Repatriation.
  • Cover for additional travel and accommodation costs if you are discharged from hospital but medically unable to return home immediately.
  • Cover for additional accommodation and/or return transportation if you are denied boarding your return flight due to having or being suspected of having COVID-19.
  • Confinement benefit payment for each 24 hour period where you are ordered into self-isolation in your holiday accommodation
  • Costs for one other person to stay with you, or to travel to you from the UK and accompany you home.
  • Travel costs to or from a hospital relating to your admission, discharge or attendance for outpatient treatment.

Enhanced COVID-19 protect

If you're looking for an increased level of cover, you can add our optional enhanced COVID-19 protect to your policy.

Unlike the standard COVID-19 cover, an enhanced COVID-19 protect policy covers travel against the advice of the Foreign, Commonwealth & Development Office (FCDO) as long as the advice is against all but essential travel solely as a result of COVID-19. Please note: This only applies when travelling to countries in Europe.

Be sure to check our policy documents page for a more in-depth look into what our policies cover.

How to book medical travel insurance

After you have filled in your travel details in the booking form at the top of this page, we will ask you a brief series of questions to determine whether your insurance will be with medical conditions or not.

These questions will include:

  • Has your (or anyone travelling with you) doctor altered your regular prescribed medication in the last 3 months?
  • In the last 2 years have you (or anyone travelling with you) been treated for any medical condition which has been deemed or referred to as a serious or re-occurring medical condition?
  • In the last 2 years have you (or anyone travelling with you) been asked to take regular prescribed medication, or referred to a specialist or consultant at a hospital for tests, diagnosis or treatment?
  • Are you (or anyone travelling with you) waiting for any tests, treatment or a non-routine hospital appointment?

If you answer yes to any of the above questions, this will indicate that somebody on the policy has a medical condition that will need to be declared. Yourself or someone within your policy will then need to undertake the screening process which is specifically designed for customers with a pre-existing medical condition.

This discreet and confidential screening process has been designed to ensure you get cover that's tailored to your requirements - giving you peace of mind when travelling. If you will be travelling with medication check out our page full of helpful tips and advice. If you're travelling with diabetes we also have handy information for that too.

What is a pre-existing medical condition for travel insurance?

A precise definition of a 'pre-existing medical condition' can vary. A helpful explanation of a pre-existing medical condition is that it's any illness, sickness, disease, injury, or other physical or mental ailment or condition that, with acceptable medical certainty, existed at the time of your application for travel insurance or during a specific number of years prior to the date of your application. You are okay to travel with a medical condition as long as you are fit to travel and undertake your planned journey and it this has been declared when you are buying insurance.

When purchasing medical travel insurance, a 'pre-existing medical condition' will usually refer to any kind of medical condition (or symptoms) for which medical advice, diagnosis or treatment has been given or recommended by someone of the medical practitioner at any time prior to the point of departure for your chosen trip. You would not qualify for cover if you've been advised not to travel if you had consulted your doctor. You should always refer to the policy wording for the exact definition.

Why choose Holiday Extras?

  • - Over 30 years experience selling travel insurance.
  • - Voted best insurance provider 12 years running.
  • - Tailored policies to suit your personal requirements.
  • - Policies with no excess available.
  • - UK-based, 24/7 livechat.
  • - All medical conditions considered.

Compare Holiday Extras' medical travel insurance policy cover levels

Our travel insurance is available in both single-trip or annual multi-trip, at bronze, silver and gold levels.

Bronze
Silver
Gold
Emergency medical and repatriation expenses
£5,000,000
£10,000,000
£15,000,000
Cancellation
£1,000*
£2,500*
£5,000*
Curtailment and loss of holiday
£1,000
£2,500
£5,000
Personal possessions
£500
£1,500
£2,000
Passport and other documents
£150
£250
£350
Personal money
£300
£500
£750
Baggage Delay (outward journey)
£100
£150
£300
Missed departure
£500
£500
£1,000
Missed connection
£500
£500
£1,000
Personal liability
£2,000,000
£2,000,000
£2,000,000
Legal costs and expenses
£25,000
£25,000
£25,000
Scheduled airline failure
£1,000
£2,500
£2,500
End supplier failure
X
£2,500
£2,500
Pet Care
X
X
£500

*Or as specified on your schedule

What could be considered a pre-existing condition?

Various conditions could be considered a pre-existing medical condition and would need to be declared on your medical travel insurance. These include:

Making a claim

In the event that you need to make a claim, our claims process couldn't be simpler. Simply head over to our Insurance Support Page for all claims and policy amendments.

Visit our FAQs page for more information or to find out everything you need to know about your travel insurance policy, visit our terms and conditions page.

Policy Wording

For more information on our policies and exactly what's included in your cover, please consult our policy wording page.

Contact information

If something unfortunately happens to you while you're on holiday, we have appointed Emergency Assistance Facilities as our dedicated 24-hour emergency assistance service are available over the phone, on live chat or via email. In the case of an emergency you should contact them as soon as you're able on the numbers below (depending on your current location):

Emergency Assistance:

24 hours, 7 days a week

Tel: +44 (0) 1403 788 718 (if You are anywhere except the USA, Canada or Mexico)

Tel: +1-844-780-0494 (toll free if You are in the USA or Canada)

Tel: 00 1 819 780 0494 (if You are in Mexico)

What is the Money Advice Service (MAS) travel insurance directory?

The MAS directory will help you find a travel insurance provider if you have a serious medical condition.

The directory can't provide quotes itself - but it can direct you to specialist firms that can. All firms, such as Holiday Extras Cover Ltd are authorised and regulated by the Financial Conduct Authority (FCA) and have been through a rigorous selection process to prove their specialism. Holiday Extras Cover are proud to be featured in the directory.

Holiday Extras Cover Limited are authorised and regulated by the Financial Conduct Authority under registration number 828848, Holiday Extras Cover Ltd 05058680 is registered in England and Wales. Registered address, Ashford road, Newingreen, Kent CT21 4JF

Holiday Extras Cover Ltd is underwritten by White Horse Insurance Ireland dac is registered in Ireland No. 306045. White Horse Insurance Ireland dac’s Registered Office is First Floor, Rineanna House, Shannon Free Zone, Shannon, County Clare, Republic of Ireland. White Horse Insurance Ireland dac is authorised and regulated by the Central Bank of Ireland. Deemed authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website, our FRN is 203320.