Is a mental health disorder classed as a pre-existing condition?

Both physical and mental health conditions need to be listed as pre-existing conditions when applying for travel insurance as both of these may need treatment when abroad.

Over a third of people have mental health disorders in their lifetimes, and so it is vital to understand how these can affect your travel insurance.

Declaring your mental health condition

Any mental health disorder that you have that needs medicating or affects your everyday life needs to be declared when booking travel insurance. The most common mental health disorders include:

  • Anxiety and Panic Disorders
  • Depression
  • Bipolar Disorder
  • Schizophrenia
  • Obsessive Compulsive Disorder
  • Eating Disorders such as Anorexia and Bulimia
  • Tourettes Syndrome
  • Psychosis

How to declare any pre-existing medical conditions

Declare any pre-existing medical conditions via our discreet online screening process.

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.