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Trusted Travel Insurance

Travel insurance for pre-existing medical conditions

Don’t let your age or medical conditions hold you back! We are award winning providers of medical travel insurance for people with pre-existing medical conditions. If you're living with medical conditions, for travel insurance you're good to go!

We can provide cover for most conditions, up to a high level of severity, and sometimes even a terminal prognosis.

Cover and benefits:

  • Emergency medical expenses up to £10 million
  • Repatriation (getting you home)
  • 24 hour medical emergency support
  • Loss of medication up to £300
  • Mobility aids up to £2500 (Silver, Gold & Platinum policies)
  • Cancellation & curtailment up to £5000 (Platinum policies)

Why do I need travel insurance for medical conditions?

The Foreign, Commonwealth & Development Office (FCDO) recommend that you have travel insurance in place every time you travel abroad.

The FCDO have advised: If you do not have appropriate insurance before you travel, you could be liable for emergency expenses, including medical treatment, which may cost thousands of pounds.

Costs of medical treatment abroad can vary per country. According to FCDO statistics:

If you fall in Spain and break your leg, you will need hospital treatment and flights it could cost £15, 000.

If you have a stomach bug or infection treated in a hospital in the USA and need new return flights it could cost £100,000.


What pre-existing medical conditions do I need to declare?

You need to declare any condition for which in the past 2 years you have had:

  • A visit to a medical professional
  • Prescription medication
  • Symptoms
  • Surgery
  • Any medical treatment or investigation

You will also need to declare if you have ever had any stress, anxiety, depression, or psychiatric condition such as eating disorders, drug or alcohol abuse or mental illness for which you have been treated or diagnosed.

Medical travel insurance

How do I declare my pre-existing medical conditions?

You can declare your existing medical conditions to us when you buy travel insurance online or by phone. It will only take a few minutes and in the vast majority of cases we will be able to issue cover immediately.

You will need to tell us the name of your medical conditions and then answer a series of multiple choice questions, such as how your condition has been treated and whether you have had any unplanned hospital visits in the last year - we won't need a doctor's certificate or the names of your medication.

What conditions can be covered?

We can cover all types of medical conditions up to a high level of severity. Common conditions include cancer ,diabetes , asthma stroke, heart conditions , autoimmune conditions, mental health conditions, arthritis , alzheimers and many more.

Additional medical expenses cover (Silver, Gold & Platinum policies)

Because we specialise in providing travel insurance for medical conditions we provide extra cover which other insurers rarely include in their policies.

  • Mobility Aids up to £2,500 

Plus, if you undergo surgery abroad and have to stay in hospital for at least 5 days we will provide the following:

  • Cost of a recuperation holiday up to £750
  • Health examination when you return to the UK up to £500
  • Cost of employing a home help or nanny up to £500
  • Cosmetic surgery to correct damage caused by an accident on your trip up to £2,500
  • Kennel and Cattery fees up to £500

Please read the policy wording and product information document for full details of our travel insurance for pre-existing medical conditions. You can access the latest version when you get a quotation.

Declare your medical conditions and get a quote for travel insurance now.

Goodtogoinsurance.com are proud to provide medical travel insurance for all types of medical conditions.

Single trip

travel insurance

Our single trip travel insurance has no age limits, and is ideal for travellers with pre-existing medical conditions. It is designed to cover one holiday or trip, up to a maximum of 94 days in duration. In order to be valid your travel insurance must cover the whole of your trip, from when you depart the UK to when you land back in the UK.


travel insurance

Our annual travel insurance also has no age limits and can cover an unlimited number of holidays in one year; each trip can be up to a maximum of 31 days. Trips must start and end within the insured period to be covered. European and Worldwide annual travel insurance cover is available.


travel insurance

Our cruise insurance policies provide the following benefits to travellers with medical conditions: Emergency medical expenses, including airlifting to hospital (if medically necessary). Flexible cancellation cover up to £10,000 per person and cover for cabin confinement, missed port departure, itinerary change, unused excursions and cruise interruption.

Cover your travelling companions on the same policy

We can also cover your travelling companions on the same travel insurance policy, even if they don't have a medical condition. This means they will also have cover for cancellation due to your medical condition. If they are insured by another provider, that may not be the case.


3 Levels of Travel insurance Cover for pre-existing medical conditions

We offer three levels of medical travel insurance for travellers with pre-existing medical conditions. Choose between Silver, Gold and Platinum policies to get the right level of travel insurance cover for you and your holiday.


Silver is our most economical travel insurance. It provides cover under the Medical and Mobility Aids sections only. If you want to be assured that your medical expenses are covered if you fall ill abroad, but are not worried about travel insurance cover for cancellation or your possessions, this is the policy for you.


Our best selling travel insurance. Gold cover provides Medical and Repatriation cover up to £10 million, as well as cover for Cancellation and Curtailment, Personal Possessions, Travel Delay and much more.


Platinum provides our highest level of travel insurance cover. It provides the same level of Medical and Repatriation cover as our Silver and Gold policies, with increased cover for Cancellation and Personal Possessions. Plus there is no excess payable on Platinum policies.


Emergency Medical and Repatriation Expenses (Not Private Medical Insurance)
Up to £ 10m
Up to £ 10m
Up to £ 10m
Cancellation and Curtailment
No cover
Up to £2k
Up to £5k
Missed Departure
No cover
Up to £500
Up to £500
No cover
Up to £2k
Up to £5k
Personal Possessions (Not Gadgets)
No cover
Up to £2k
Up to £3k
Mobility Aids
Up to £2.5k
Up to £2.5k
Up to £2.5k
Personal Liability
No cover
Up to £2m
Up to £2m
Legal Expenses
No cover
Up to £25k
Up to £25k
* All these figures are per person and per trip. Platinum cover has no excess. Check the full Schedule of Benefits to see all benefits and excess limits.

Reviews: Single trip & annual travel insurance

Travel insurance with medical conditions- Frequently asked questions

  • Why do I need to declare all of my medical conditions?
  • What counts as a pre-existing medical condition?
  • How do I declare my conditions?
  • My travelling companion doesn't have any medical conditions; can we be insured on the same policy?
  • Why do I need travel insurance for medical conditions?
  • Can I get travel insurance with pre existing medical conditions?
  • When should I book travel insurance with medical conditions?
  • How can I get cheap travel insurance with medical conditions?
  • Do I need travel insurance for pre existing medical conditions if I have a GHIC card?
  • What is the best travel insurance with medical conditions?
  • What does travel insurance with existing medical conditions cover?
  • What countries does travel insurance for existing medical conditions cover?
  • Where can I get pre existing medical conditions travel insurance?
  • How much is travel insurance with pre existing medical conditions uk?
  • How does medical travel insurance with pre existing conditions work?