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Travel Insurance for Pre-Existing Medical Conditions

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

  • Specialist confidential medical screening to confirm whether your condition is covered
  • Four levels of cover so that you can select the best cover for your travel insurance needs
  • 24 hour helpline from our UK-based team available for medical emergencies

Request a travel insurance policy online:

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Features of our 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 enrol 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.

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.

Travel Insurance for Pre-Existing Medical Conditions Claims

Claims for policies bought before 15 January

Call us on:

(+44) 0203 829 6761

The team is available from 8:30am to 6:30pm Monday to Friday.

Alternatively you can email the team: or find a claims form online here:

Make sure you include: your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

Claims for policies bought after 16 January

24-hour number for medical emergencies

When you are in hospital, ring our 24-hour emergency assistance service on +44 (0)1473 351757.

Other claims

For other non-emergency claims such as lost baggage, cancellation or claiming for medical expenses when you are back in the UK, call +44 (0) 345 850 5193 Monday-Friday 8am-6pm and Saturday 9am-12pm.

Claims for Towergate travel insurance through Sykes Cottages or Holiday Cottages

If you bought your insurance in 2019

If you need to cancel your trip and want to submit a claim for your travel insurance policy policy bought in 2019, please download and complete our claims form and email it to

If you bought your insurance in 2020

If you need to cancel your trip and want to submit a claim for your travel insurance policy policy bought in 2020, you will need to download and complete this ERGO claims form, and send to them directly as stated.

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Travel Insurance for Pre-Existing Medical Conditions FAQs

Will I be able to be insured if I have a medical condition?

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.

What are the details of the Money Advice Service’s customer contact centre for travel insurance queries?

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, or by phone Monday to Friday, 8am to 6pm, on 0800 138 7777 or

You can also see more information on OK to Travel.

Do I have to declare a pre-existing medical condition?

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.

Can I get travel insurance if I have an operation coming up?

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.

What do I do if I fall ill abroad?

Please contact the appropriate claim details above.

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