Compare travel insurance for pre-existing medical conditions

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.

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.

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.

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.

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.