Travel Insurance with Medical Conditions

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Premium travel insurance for everyone, including those with pre-existing conditions, delivered by insurance experts with a discreet medical screening process.

For travellers over 80 or with more complex medical conditions, we recommend booking a policy through one of our insurance specialists, by calling our UK call centre.

Finding some cheap travel insurance with a medical condition isn't necessarily the hard part, it's finding a low-cost provider that won't compromise on fully comprehensive cover in exchange for a higher price.

At Holiday Extras, we know how important a holiday is for the recovery period, a celebration or just some downtime. With this in mind, it is important for us to know your medical history - both past and present - so we can arrange an affordable yet appropriate holiday insurance policy for your medical condition.

That's just one of many reasons to choose Holiday Extras as your travel insurance provider, here's a few more:

  • A friendly and discreet medical screening process
  • Award winning customer call centre based in the UK
  • 9th time award winning travel insurance provider
  • Flexible and individually tailored policies
  • 14 day money back guarantee

Our medical travel insurance

We've got a booking process to be proud of. Every pre-existing conditions holiday insurance policy we sell has been individually tailored to suit both the traveller and their medical needs. Instead of quoting you with a generic price, we'll make sure you're ready to go travelling with a level of cover that's right for you.

Add anyone from your household to your booking

Diabetes cover

  • £15 million medical cover
  • £5,000pp cancellation cover
  • £2,000pp baggage cover
  • Friendly 24/7 UK based helpline
  • UK, Europe & Worldwide cover


Arthritis cover

  • £15 million medical cover
  • £5,000pp cancellation cover
  • £2,000pp baggage cover
  • Friendly 24/7 UK based helpline
  • UK, Europe & Worldwide cover


We've based these quotes on a 54-year old customer travelling to Europe for one week, the price is subject to change.

Single trip travel insurance

We take into account all aspects of your trip, including how long you're travelling for. If you're planning one holiday this year, then we can provide all the cover you need for up to 45 days at a time.

Annual travel insurance

The best travel insurance providers won't limit your chance to travel because of a medical condition. If you're planning two or more trips, with an annual holiday insurance policy, you're entitled to travel as many times as you like across 365 days. Just make sure each trip doesn't exceed the 31 day limit.

It's all about the destination

Alongside your dates of travel, the important bit we need to know is where you'll be travelling to. Bearing this in mind can save you some money because medical costs vary greatly across the globe. If you're staying closer to home then naturally, your travel insurance policy will be cheaper.

What am I covered for?

We don’t have a strict standard level of cover for those travelling with a medical condition because we understand how individual your needs are. In addition to your tailored cover for medical treatment, we also provide financial protection in instances of lost baggage, unexpected cancellations and lost personal possessions. You can also travel with peace of mind, one of the team are on hand when you need us most via the 24-hour helpline.

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Pre-existing medical conditions

Use the side bar menu to browse our information pages on a range of medical conditions that our customers regularly suffer with. If any of these are relevant to you then we recommend you find out more about our travel insurance for medical conditions.

You can book online or call our team

Visit our FAQs page for further information and answers to your questions regarding pre-existing conditions and travel insurance.

Free live chat support

To begin your quote, all we need to know is your destination and the dates you're travelling. But it's important for you to know all about your travel insurance policy and your provider

Who is my policy provider?

Latitude insurance is powered by Holiday Extras, so we get to work closely with the travel insurance experts within the Latitude team to arrange your tailored quotes. They play a big role in providing the best travel insurance with the cheapest additional cover for your medical condition, without compromising on your financial protection.

What does the medical screening involve?

Your medical screening entails a series of questions regarding your medication and any treatment/surgery received or waiting to be received. We will have to ask some questions, we won’t be asking for the names of your medication or the type of surgery you’ve undergone, just how many you use and whether you’ve recently been seen for medical treatment. Depending on your condition, you will be asked to complete the medical screening via our online booking system or you may be transferred to our friendly and UK based insurance call centre team.

What if I choose not to declare my medical conditions?

Should you choose to go abroad without any form of travel insurance and require medical attention, unfortunately you will be responsible for the whole bill, which can cost thousands. For example, to be flown back from Australia to the UK via stretcher and helicopter can cost between £15-£20k!

If you decide to hold back on some - or all - of your medical conditions and need to make a claim, any of your claims related to your medical condition you chose not to declare may be rejected.

Best travel insurance

Additional cover

A medical condition doesn't mean you need to miss out and the right travel insurance ensures you're fully covered to try something new. We have cruise cover and a winter sports cover available for an additional fee. These options provide cover for the likes of search and rescue, equipment hire and in the case of hitting the slopes - avalanche cover is also included.

Be sure to check your policy wording to clarify which sports you are covered for. There are a few activities we don't include but, for a small added premium, our call centre team will be able to lend a hand customising your policy.

Holiday Extras Medical Travel Insurance reviews

The questions regarding previous medical conditions were logical and precise unlike some companies.

Mr Hamilton 10 out of 10

It was cheaper than expected.

Mr Etheridge 8 out of 10

Quick and easy, with no obscure questions, just straight forward and to the point , well done!

Mrs Brooks 10 out of 10

It was very quick and it was done with ease, simple and easy to follow!

Mr Gowans 10 out of 10

Excellent customer service staff - good value for money.

Mr Jones 8 out of 10

Your website is very user friendly, you offer wide cover at great premiums, especially for people with health issues, and there are loads of us. Screening is simple.

Mr Tracey 10 out of 10

Questionnaire regarding medical conditions is too rigid.

Mr Harriman 6 out of 10

It was carried out with professionalism and speed including the email confirmation.

Mr Scott 10 out of 10

No problems, a quick and easy process.

Mr Bruce 8 out of 10

It was so much easier than I anticipated and a huge relief to have your back-up.

Mrs Rogers 10 out of 10

Visit our medical conditions page.

Find more information about cover for your condition below:

Our policies:

Our cover levels:


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Travel insurance advice for your destination whether that's right here in the UK, hopping over to Europe or heading Worldwide