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Travel Insurance with medical conditions.

Finding suitable travel insurance with pre existing medical conditions isn't necessarily the hard part. It's finding a provider that won't compromise on cover for your individual needs. At Holiday Extras, we cover the majority of pre-existing medical conditions, and all medical conditions will be considered. Additionally, all Holiday Extras Bronze, Silver, and Gold Travel Insurance policies include COVID-19 cover as standard.

What is travel insurance for pre-existing medical conditions?

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 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.

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

Alice Lawson, AD of Holiday Extras Cover

"Protecting you and your trip has always been our priority. With three levels of cover to suit you and your trip and 24/7 support, it's never been easier to enjoy your holiday, hassle-free."

Alice Lawson, AD of Holiday Extras Cover

How do I book my 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:

1. Is anyone travelling under this policy suffering from a medical condition for which they:

  • Should have sought medical advice?
  • Are under investigation?
  • Are awaiting investigation, a medical procedure or in-patient hospital treatment?
  • Are waiting for test results?
  • Have been given a terminal prognosis?
  • Know they will require medical treatment during an insured journey?
  • Intend to get medical treatment abroad?

2. Has anyone travelling under this policy been treated for alcohol or drug addiction in the last five years?

3. Is anyone travelling under this policy suffering from a psychiatric or psychological condition?

4. Has anyone travelling under this policy ever suffered from:

  • A cardiovascular or heart-related condition,A lung or respiratory-related condition (not including stable, well-controlled asthma if there is no other medical condition)?
  • Any form of cancer whether in remission or not?
  • A cerebro-vascular condition such as a stroke or transient ischaemic attack (T.I.A.)?
  • a kidney (renal) condition or diabetes?

5. In the 12 months before the purchase of this policy has anyone travelling under this policy suffered from a medical condition for which they:

  • are currently taking or being prescribed regular medication?
  • are receiving or have received treatment of any kind?
  • have required an organ transplant or dialysis?

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.

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. Some examples include:

Holiday Extras is featured in Money Helper travel insurance directory.

Holiday Extras features on the Money Helper travel insurance directory, which the FCA (Financial Conduct Authority) has confirmed meets its criteria for addition to the 'medical cover firm directory'. For more more information can be found on the Money Helper website.

Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited, registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.

Holiday Extras Cover Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority, registration number 828848. You can check this by visiting the Financial Services Register

Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited. The insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN.

Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this by visiting the Financial Services Register