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 Emergency Assistance Facilities helpline from our UK-based team available for medical emergencies

Request a travel insurance policy online:

Get a quote

Call our dedicated team for a tailored travel insurance policy:

0203 829 3822
0203 829 3822

Monday to Friday 9am - 5pm

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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

Our 24 hour Emergency Assistance Facilities helpline will help you locate the nearest suitable facility if you fall ill on your trip, together with associated expenses such as a need for surgical or medical treatment. We’ll also cover travel and hotel costs if another person on your trip is required to travel with you for medical reasons. This doesn't apply to any routine non-emergency tests or treatment and just be aware an excess may apply to this section of cover.

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 therefore work with the team at Travel Insurance Facilities (TIF) and Union Reiseversicherung (URV), who are experts trained to provide comprehensive and confidential medical screening on a case by case basis. 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. You just need to speak with experts at TIF, who will be able to confirm whether or not we can provide cover for you.

Compare our levels of cover in a glance using this handy table:
Cover Basic 28/03/2018 Standard 28/03/2018 Premier 28/03/2018 Premier Plus 28/03/2018
Emergency Medical Expenses £2,000,000 £5,000,000 £10,000,000 £10,000,000

Travel Insurance for Pre-Existing Medical Conditions Claims

This policy is administered by tifgroup and Union Reiseversicherung AG (URV). tifgroup has a specialist travel claims team, so it's the friendly team at tifgroup you'll speak to if you need to make a claim.

They’ll talk you through the details of your claim and advise you of the next steps in the process. If you’re claiming for any stolen property, make sure you have reported your loss to the police and have obtained a written report and reference number - this will help with your claim.

We would also recommend you share your policy details with your next of kin, just in case they need to act on your behalf should you fall ill and you’re unable to make any contact with our claims team.

Need to make a claim?

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.

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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.

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?

The policy provides Emergency Assistance Facilities, offering a 24 hour advice line to support you in finding the treatment you need. Contact the advice line on +44 (0)020 3901 1722. We recommend you keep this number handy when you’re travelling.

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