Sml Shield

Trusted by over 400,000 with their insurance needs

Sml Star

Our service is rated ‘Excellent’ on Feefo

Sml Agent (1)

Over 2000 insurance specialists ready to support you

Travel Insurance for Pre-Existing Medical Conditions

Single or annual multi-trip travel insurance for those with pre-existing medical conditions.

  • Confidential medical screenings
  • Four cover options
  • 24 hour helpline
A shield with a tick inside it on a big translucent blue circle
Women in a hammock on a sandy beach reading, with trees and palm trees, facing the sea on the horizon
If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4260 customer reviews

Feefo Logo

Why choose travel insurance with pre-existing medical conditions with Towergate?


Confidential medical screenings

Specialist confidential medical screening to confirm whether your condition is covered.


Four pre-existing medical travel cover options

Four levels of cover so that you can select the best cover for your travel insurance needs.


24-hour helpline for pre-existing medical conditions travel insurance

24-hour helpline from our UK-based team available for medical emergencies.

Direct Debit icon

Pay by Direct Debit

Choose to spread your payment into 10 monthly Direct Debit instalments.

About travel insurance for pre-existing medical conditions


Cover for personal money

Where possible, we would always recommend you keep your travel money on you or in a safety deposit box. If, however, you find yourself in a situation where your travel money has been lost or stolen, then ensure you report it to the police within 24 hours. You’ll then be able to submit a claim for loss or theft of money, from £150 to £1000, depending on your policy.


Emergency medical treatment and expenses

Cover is included for medical expenses including repatriation under the SunWorld policies and you can get cover for up to £15 million for Medical Emergency and Repatriation Expenses. An excess may apply but we do recommend you to get an EHIC card to allow you to benefit from the health care arrangements which exist between countries within the EU/EEA or Switzerland. In Australia you must enroll with a local MEDICARE office after the first occasion you see medical treatment and make sure you call the Emergency Claims Assistance Service for guidance. All claims are handled within the UK.


Your personal possessions

Having your luggage lost or stolen is an unwelcome thought, especially if it happens in an unfamiliar country. Our pre-existing medical travel insurance includes cover for your personal possessions. If you find yourself in this situation then just be sure to report any stolen possessions to the local Police within 24 hours. We’ll also cover up to between £200 to £500, depending on your policy, for any essential items such as toiletries and a change of clothing in the meantime.

Flexibility (1)

Travel cover for a range of medical conditions

We recognise that no two medical conditions are the same and they can affect people differently. We may be able to provide cover even if you've had treatment for a heart condition, a stroke or high blood pressure, a breathing condition, or any type of cancer or diabetes.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 01473 351757 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Travel insurance for pre-existing medical conditions

This will be assessed on a case by case basis. The medical screening experts will ask you several questions relating to your health condition and this will determine whether we are able to offer you cover. Please be reassured, everything you tell the team is treated with the utmost confidentiality and your details will not be shared with anyone outside of the organisation.

If for some reason we are unable to find you affordable travel insurance for your medical conditions, the Money Advice Service has introduced a service to help you. 

If you need to speak to the Money Advice Service regarding travel insurance you can contact them online.

You can also see more information on OK to Travel.

Yes. It’s very important you declare any pre-existing or reoccurring medical conditions. Use our online quote system or phone the experienced staff to go through a medical screening process to allow you to do this.

The policy may be able to provide cover 12 weeks after your operation or, if your doctor confirms you’re in remission. Anything prior to that and the policy may not cover you.

Please contact the appropriate claim details above.

Read travel insurance for pre-existing medical conditions articles

Buying a Holiday Home

Buying a holiday home has major rewards, if it is done correctly! Take a look at our detailed guide to help you navigate the process and find the right house in the destination of your dreams.

Read more

Tips for Travelling Safely with Medical Conditions

If you are travelling with pre-existing medical conditions, read our tips to help you have a safe and comfortable journey.

Read more