Pre-Existing Medical Travel Insurance
Specialist cover for travellers with declared medical conditions for safer, confident travel.
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That you have a medical condition shouldn’t mean that you lose your peace of mind while travelling no matter where you’re going, our pre-existing medical travel insurance policies provide you with reliable coverage that you can trust, in clear and unambiguous terms.
What is considered a pre-existing medical condition?
Here are some common pre-existing conditions that we cover:
- Diabetes
- Asthma
- Cancers
- Heart disease
- Arthritis and other bone or joint conditions
- High blood pressure
- Epilepsy
- Gastro-intestinal conditions
- Mental health issues such as depression or anxiety
- Stroke or Transient Ischaemic Attack (TIA)
Travel insurance providers define pre-existing conditions differently, that is why it is important that you read the policy carefully before making up your mind on which to choose. The policy contains a list of the medical conditions and illnesses that we cover and the ones we do not. It is important to remember that pre-existing conditions can cover up to two adults and one child travelling together and also includes conditions like anxiety and depression which may not have physical symptoms.
Do I need travel insurance if I have a pre existing medical condition?
Standard travel insurance usually doesn’t cover pre-existing medical conditions. If you travel without disclosing your health condition, you find that medical treatment, cancellations, or emergency repatriation costs are not covered by standard travel insurance. It is important that you get travel insurance that covers pre-existing conditions because you may suddenly become ill during your trip and require emergency treatment. Travel insurance that includes pre-existing conditions can:
- Pay for emergency medical treatment related to your condition while you’re abroad
- Cover your expenses if you have to postpone or cancel your trip due to illness.
- Give you and your travelling companions access to round the clock medical assistance
Medical care in countries like the USA, Canada, and some parts of Asia can be quite expensive. Having the right insurance policy helps to protect you from unforeseen expenses that affect your entire trip.
How does travel insurance for pre-existing conditions work?
Choose policy
Once your trip is planned, choose a policy, single-trip or annual multi-trip and consider coverage for family members if travelling together.
Medical screening
To cover pre-existing medical conditions, we may ask for details of recent tests or procedures, and sometimes a new medical examination is required.
Get quote
Based on the outcome of your medical screening. You can then request for a quote. We will give you a detailed list of what is covered and what’s not in your policy
Pay for cover
our processes are seamless and can be completed online. We also offer additional extras that you can include in your policy.
What does a pre-existing condition travel insurance typically cover?
A standard pre-existing condition policy typically covers emergency healthcare and repatriation, trip cancellation or curtailment, lost or damaged belongings (including medicines), and other benefits like delayed departures, personal liability, and 24/7 emergency assistance, all subject to policy limits, excesses, and accepted medical conditions.
How much does medical travel insurance cost?
The cost of medical travel insurance depends on factors like your medical history, age, destination, activities, valuables, and any extra coverage needed for special trips. Premiums are generally lower for short trips and healthy travellers, but higher for those with pre-existing or multiple medical conditions, reflecting the added protection they provide.
Does the country I’m visiting impact the cost of my insurance?
Yes, where you travel affects your insurance cost. Trips to countries with expensive healthcare or higher risks, like the US, typically have higher premiums, while destinations with lower medical costs, such as most of Europe, are usually cheaper to insure.
How to get cheaper pre-existing medical travel insurance
Medical travel insurance can be affordable by declaring conditions accurately, choosing the right cover, adjusting your excess, limiting destinations, purchasing early, and comparing policies to find the best price.
Tips & Advice
Frequently Asked Question
Do I need travel insurance if I have a pre-existing medical condition?
Yes. If you have a pre-existing medical condition, it’s strongly recommended to take out a policy that specifically covers it. Without appropriate cover, claims linked to your condition may be rejected, emergency medical treatment abroad may need to be paid upfront, and you may not be covered if you need to cancel your trip due to a flare-up or worsening symptoms.
By declaring your medical conditions when you take out your policy, you ensure that your cover is valid and tailored to your needs. Honest and accurate disclosure is essential even if your condition feels stable or well-controlled.
What is regarded as a pre-existing medical condition for travel insurance?
A pre-existing medical condition is usually any health condition for which you have received medical advice, treatment, medication, or experienced symptoms before buying your policy. This can include physical and mental health conditions, even if they are well controlled or stable.
Do I have to declare all medical conditions?
Yes. You must declare all pre-existing medical conditions when requested during the medical screening or the quote process. Failure to disclose a condition could invalidate your policy and lead to claims being declined.
Will my policy cover emergency treatment related to my condition?
If you declared your condition during the quote process and it was accepted, any emergency treatment related to that condition will be covered. Although this is sometimes subject to the policy limits, terms and conditions.
Can I get pre-existing medical travel insurance if my condition is stable?
Absolutely. Many travelers with stable or well-managed conditions can get policy cover and it is usually cheaper for them than for those who have unstable health conditions. This can be ascertained during the medical screening.