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Medical Travel Insurance
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 this in mind, it is important for us to know your medical history — both past and present — so we can arrange the most suitable travel insurance policy, taking your medical condition into consideration.
With over 99% of common conditions covered, we are proud that our specialist medical cover meets the stringent requirements for inclusion on the Money Advice Service (MAS) travel insurance directory.
The benefits of our Covid Bubble policy:
We understand that in this difficult and unpredictable time, peace of mind is of the utmost importance. That's why our Covid policy has you covered 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.
- Up to £10,000,000 if you require emergency medical treatment abroad.
- Cover for additional travel and accommodation costs if you are discharged from hospital but medically unable to return home immediately.
- 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.
- Travel costs to and from appointments, or for the collection of medication prescribed for you by the hospital and the cost of additional food and drink.
- 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 (Platinum policies only).
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 25 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 contact centre and 24/7 helpline.
- - All medical conditions considered.
Compare Holiday Extras' medical travel insurance policy cover levels
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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:
Frequently asked questions
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.
Contact details for the Money Advice Service:
Telephone: 0800 138 7777 Monday to Friday, 8am to 6pm
Typetalk: 18001 0800 915 4622 Monday to Friday, 8am to 6pm
- Find more information about cover for your condition below:
- Medical Insurance Homepage
- Allergies Travel Insurance
- Angina Travel Insurance
- Arthritis Travel Insurance
- Asthma Travel Insurance
- Brain Tumour Travel Insurance
- Breast Cancer Travel Insurance
- Broken Bones Travel Insurance
- Cancer Travel Insurance
- COPD Travel Insurance
- Crohn's Disease Travel Insurance
- Dementia Travel Insurance
- Depression Travel Insurance
- Diabetes Travel Insurance
- Disability Travel Insurance
- DVT Travel Insurance
- Epilepsy Travel Insurance
- Fibromyalgia Travel Insurance
- Heart Condition Travel Insurance
- High Blood Pressure Travel Insurance
- HIV Travel Insurance
- Gall Stones Travel Insurance
- Lung Cancer Travel Insurance
- Lupus Travel Insurance
- MS Travel Insurance
- Myeloma Travel Insurance
- Prostate Cancer Travel Insurance
- Stroke Travel Insurance
- Children with medical conditions:
- Travel Insurance Child with Medical Conditions
- Travel Insurance for Child with Autism
- Travel Insurance for Child with Cystic Fibrosis
- Travel Insurance for Child with Heart Conditions
- Travelling with a Disabled Child
- Child Travelling with Medication
- Additional information:
- Do you have to declare medical conditions for travel insurance?
- Are mental health conditions classed as a pre-existing medical condition?
- What is classed as a pre-existing medical condition?
- What medical conditions can stop me from flying?
- Travelling with Arthritis
- Travelling with Diabetes
- Travelling with Medication
- Guide to Flying with Back Pain
- Which countries have the best medical care?
- Deep Vein Thrombosis when Travelling
- Senior Travel Insurance with Medical Conditions
- Travel vaccinations:
- Travel Vaccinations
- BCG Tuberculosis Vaccine
- Cholera Vaccine
- Hepatitis A Vaccine
- Hepatitis B Vaccine
- Japanese Encephalitis Vaccine
- Meningitis Vaccine
- Polio Tetanus and Diphtheria Vaccine
- Rabies Vaccine
- Typhoid Vaccine
- Yellow Fever Vaccine
- Upgrade your policy with extra cover to suit how you like to travel:
- Business Travel Insurance
- Gadget Travel Insurance
- Cruise Travel Insurance
- Golf Travel Insurance
- Wedding Travel Insurance
- Excess Waiver Travel Insurance
- Car Hire Excess Cover
- Extreme Sports Travel Insurance
- Water Sports Travel Insurance
- Winter Sports Travel Insurance
- Travel insurance homepage
- Travel insurance FAQs
- Our cover levels:
- Basic cover policy
- Standard cover policy
- Premium cover policy
- Our policies:
- Single Trip Travel Insurance
- Annual Travel Insurance
- Latitude Medical Travel Insurance
- Coach Travel Insurance
- European Travel Insurance
- Worldwide Travel Insurance
- Cheap Travel Insurance
- Compare Travel Insurance
- Cheap Travel Insurance Europe
- Cheap Travel Insurance Worldwide
- Family travel:
- Children's Travel Insurance
- Family Travel Insurance
- Pregnancy Travel Insurance
- Single Parent Travel Insurance
- Under 16 Travel Insurance
- Under 18 Travel Insurance
- Single-Trip Family Travel Insurance
- Annual Family Travel Insurance
- Over 50's Travel Insurance
- Over 65's Travel Insurance
- Over 65's Travel Insurance
- Over 70's Travel Insurance
- Over 75's Travel Insurance
- Over 80's Travel Insurance
- Over 85's Travel Insurance
- Student travel:
- Backpacker Travel Insurance
- Gap Year Travel Insurance
- Nomad Travel Insurance
- School Trip Travel Insurance
- Student Travel Insurance
- Volunteering Abroad Travel Insurance
- Working Holiday Insurance
- Sports cover:
- Sports Travel Insurance
- Adventure Travel Insurance
- Camping Travel Insurance
- Football Travel Insurance
- Horse Riding Travel Insurance
- Hiking Travel Insurance
- Kayaking Travel Insurance
- Kitesurfing Travel Insurance
- Motorcycle Travel Insurance
- Mountain Biking Travel Insurance
- Off-piste Ski Travel Insurance
- Safari Travel Insurance
- Sailing Travel Insurance
- Scuba Diving Travel Insurance
- Ski Travel Insurance
- Snowboarding Travel Insurance
- Surfing Travel Insurance
- Trekking Travel Insurance
- Windsurfing Travel Insurance
- Further information:
- Annual Cruise Travel Insurance
- Brexit and Travel
- Couple's Travel Insurance
- EHIC Information
- End Supplier Failure Cover
- Group Travel Insurance
- Holiday Cancellation Insurance
- Independent Travel Insurance
- Interrail Travel Insurance
- International Travel Insurance
- Long Term Travel Insurance
- Senior Travel Insurance
- Travel Health Travel Insurance
- Weekend Travel Insurance
- What Happens If You Miss Your Flight?
- Travel insurance advice for your destination:
- European Travel Insurance
- Worldwide Travel Insurance
- Costa Rica
- Halong Bay Vietnam
- Hong Kong
- New Orleans
- New York
- New Zealand
- South Africa
- Sri Lanka
- Visa Waiver Program
- B1 visa
- B2 visa
Holiday Extras Cover Ltd is authorised and regulated by the Financial Conduct Authority. 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 Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.