Compare Travel Insurance with pre‑existing medical conditions

What is a pre-existing medical condition?

A pre-existing medical condition is an illness or health issue you had before buying your policy. That includes any conditions you’ve been diagnosed with, experienced symptoms of or received treatment for.

You won’t find travel insurance for medical conditions everywhere as not all insurance providers offer it.

But with PayingTooMuch you can find and compare medical-specific policies, whether you’re interested in cruising in the Mediterranean or country hopping in Asia.

What pre-existing medical conditions can I get cover for?

Here are some of the most common pre-existing conditions we can help you get cover for – as long as they’ve been declared and assessed.

cancer – cover for people living with cancer so you can explore the world on your own terms

diabetes – compare policies that take into account your type of diabetes and how it’s managed

epilepsy – epilepsy travel insurance can support you whether you’re managing medication or living with seizures

circulatory and heart conditions – such as high blood pressure, raised cholesterol, angina, chest pain(s), heart attack or any other diagnosed heart issue

stroke-related conditions – including stroke, transient ischaemic attack (mini-stroke) or brain haemorrhage

What should your travel insurance cover?

Comparing with PayingTooMuch is a great way to find the right travel insurance for medical conditions. It can also help you save money and time by only paying for the cover you actually need. A flexible policy should include:

cover for pre-existing medical conditions – as long as you’ve declared them

trip cancellation – if you’re stranded or unable to travel

medical emergencies – for unexpected illness or injury abroad

repatriation – if you need to be brought back to the UK

lost luggage – to recover your belongings or replace essentials

passport and money protection – if your passport is lost or money is stolen

travel disruption – if you're affected by strikes, natural disasters or severe delays

personal liability – if you're held responsible for injury or damage to others

How much does medical travel insurance cost?

The price of travel insurance varies as it’s based on several factors, including:

age – older travellers are more likely to make a claim

pre-existing medical conditions – your medical history can influence the cost

length of stay – longer trips mean more potential risk of claims

destination – some countries have higher medical costs

type of policy – choose between single trip and annual multi-trip cover

type of cover you choose – speciality policies for a cruise or ski trip can bump up the price

Travel insurance with no upper age limit

Policy prices for medical travel insurance vary for a lot of reasons, age being one of them. That’s because older travellers are likely to make a claim or have pre-existing medical conditions. Our specialist travel insurance comparison site helps you find:

Frequently asked questions

What medical conditions do you need to declare on travel insurance?

Travel insurance for people with medical conditions covers most conditions. The more common ones are:

cancer

heart problems

diabetes

epilepsy

You’ll also have to declare if you’ve been treated for any of the conditions below.

High blood pressure, raised cholesterol, blood clots, aneurysm or any circulatory disease

Heart attack, angina, chest pain(s) or any other heart condition

Any form of stroke, transient ischemic attack (mini-stroke) or brain haemorrhage

How far back do you have to declare medical conditions for travel insurance?

You'll need to tell us about any pre-existing medical condition you've had symptoms of, received treatment for, taken or are currently taking medication for, or been diagnosed with in the last two years. This doesn't just mean conditions like cancer, diabetes, epilepsy or heart problems. It also includes more common and manageable conditions such as asthma, high blood pressure, or high cholesterol.

Mental health conditions like anxiety or depression are also important to declare. Even if your condition feels under control or doesn't affect your daily life much, it still needs to be included.

When do you need a fit-to-fly certificate?

If you have a medical condition, are pregnant or recently had surgery, you may need a fit-to-fly certificate from your doctor before you travel.

The medical clearance is based on your doctor’s assessment of your health. If they believe flying could pose a risk to your wellbeing, you may be advised not to travel. It’s important to follow this advice for your safety but it can also affect your travel insurance policy. If you ignore your doctor’s recommendations, your insurance provider may refuse to cover any related claims or emergencies during your journey.

Is pregnancy a medical condition for travel insurance?

Pregnancy isn’t usually classed as a pre-existing medical condition. But if you have any conditions related to your pregnancy, such as gestational diabetes, you’ll need to tell us. This way you’re covered in case of any unexpected medical treatment you might need on your holiday.

How to get the best travel insurance for your medical condition?

With PayingTooMuch, you can compare travel insurance with medical conditions to find the right policy for you and your trip. We’ll ask you a few questions to make sure that we’re showing you the most relevant options for you and your travel plans.

How to get cheaper medical travel insurance?

When choosing travel insurance for medical conditions it’s worth thinking about what cover you actually need. This will help you stop paying too much for your travel insurance.

With PayingTooMuch, you can compare policies and find a good deal that fits your needs. Single trip cover is usually cheaper if you’re planning a single getaway. But if you’re travelling more than once a year, you could save money with an annual multi-trip policy.

While finding cheap medical travel insurance might be a priority, it’s worth remembering that the quality of your policy matters. That’s why it’s important to tell us about your medical conditions – it helps avoid unexpected surprises if something goes wrong.

Compare travel insurance for pre‑existing medical conditions

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