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Holiday Insurance and Pre-existing Medical Conditions

Finding good value, travel insurance with a medical condition isn't necessarily the hard part. It's finding a low-cost provider that won't compromise on comprehensive cover in exchange for a higher price. At Holiday Extras, we cover the majority of pre-existing medical conditions. With this in mind, it is important for us to know your medical history — both past and present — so we can arrange the most suitable travel insurance policy with your medical condition considered.

Medical Conditions and Travel Insurance

Can you get travel insurance with a pre-existing medical condition?

Yes, you can certainly get travel insurance with a pre-existing medical condition. You will need to declare any pre-existing medical conditions you have (or have had in the past) when you are applying for the travel insurance. You can either do this online or over the phone by speaking to a member of our friendly and confidential customer service team.

When you are purchasing travel insurance, we will ask you questions to determine whether your insurance will be with medical conditions or not. These questions will include whether anyone on the policy has/is...

  • Been treated for a medical condition which has been deemed or referred to as a serious or reoccurring medical condition in the last 2 years
  • Been referred to a specialist or consultant at a hospital for tests, diagnosis or treatment in the last 2 years
  • Currently awaiting any tests, treatments or non-routine hospital appointments
  • Has ever had a heart or circulatory condition, type of cancer, a breathing condition, high blood pressure, stroke, diabetes or a bowel condition or disease

What is a pre-existing medical condition for travel insurance?

A precise definition of a 'pre-existing medical condition' can vary. A helpful explanation of a pre-existing medical condition is that it's any illness, sickness, disease, injury, or other physical or mental ailment or condition that, with acceptable medical certainty, existed at the time of your application for travel insurance or during a specific number of years prior to the date of your application. You are okay to travel with a medical condition as long as you are fit to travel and undertake your planned journey and it this has been declared when you are buying insurance.

When purchasing travel insurance, a 'pre-existing medical condition' will usually refer to any kind of medical condition (or symptoms) for which medical advice, diagnosis or treatment has been given or recommended by someone of the medical practitioner at any time prior to the point of departure for your chosen trip. You would not qualify for cover if you've been advised not to travel if you had consulted your doctor. You should always refer to the policy wording for the exact definition.

How to book online

To book online, or simply just to get a quote with your specific travel plans in mind, simply click below and bear in mind the following information:

    Location: Where abouts are you going?

    Dates: When will you be going, and how long for?

    Money: The total cost of your holiday (including travel)

    Health: What pre-existing medical conditions have you had in the past, or present?

Book online with us today

What could be considered a pre-existing condition?

Various conditions could be considered a pre-existing medical condition and would need to be declared on your travel insurance. These include:

Minor medical conditions that you do not need to declare

You do not have to declare minor ailments e.g. hay fever, tonsillitis, ear infections, colds/flu, skin irritations, chiropody, dental treatment etc. if:

  • You were only prescribed short term antibiotics
  • You were only prescribed non-prescription painkillers, creams or ointments
  • You have had no further problems since
  • You have been advised by your doctor that it is safe to travel

Holiday Extras' Travel Insurance policy cover levels

Baggage cover
Cancellation cover
Medical cover
£5 million
£10 million
£10 million
£10 million
Excess charge
Lost passport
Personal money
Wedding cover
Gadget cover
Defaqto rating
2 Star rating
3 Star rating
5 Star rating
5 Star rating

Why choose Holiday Extras?

14 Day Guarantee
  • - Voted best insurance provider 11 years running.
  • - Policies with no excess available.
  • - UK based contact centre and 24/7 helpline.
  • - No maximum age on single trip policies.*
  • - Over 25 years experience selling Travel Insurance.

Single Trip and Annual Trip Policies

As an 11-year award-winning travel insurance provider, Holiday Extras is a great place to protect your holiday experience, your belongings and your pocket for either a single trip or for multiple trips throughout the year, with our annual travel insurance policy.

Additional cover

A medical condition doesn't mean you need to miss out on fun, and the right travel insurance ensures you're covered to try something new. We have winter sports cover and additional sports cover available for an additional fee to add to your policy so whatever the journey, we'll make sure you have the right protection you need to suit your trip. 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. Age limits apply

Sports Travel Insurance

Sports Travel Insurance

Great cover for sport-lovers!
We include cover for 100+ sports in all of our policies at no extra charge!

Certain sports are only covered with an additional sports cover premium. Please check the policy wording.

Student Travel Insurance

Student Travel Insurance

Safeguarding your studies!
Everything you need for a safe term abroad including personal possessions cover.

Golf Travel Insurance

Gap Year Travel Insurance

Planning the trip of a lifetime?
Stay safe on your ventures volunteering, interning and exploring the globe.

Water Sports Travel Insurance

Water Sports Travel Insurance

Make a splash without too much cash!
Our policies already include cover for scuba diving, water-skiing and water-polo. Plus many more!

Under 18s Travel Insurance

Under 18's Travel Insurance

For those seeking to explore the world!
Our policies already include cover for people under 18 years of age, so book online today and start your expedition!

Natural disaster cover

Natural disaster cover

Weather the storm with peace of mind!
Our natural disaster add-on has you covered for anything from typhoons, volcanic eruptions, earthquakes, blizzards and forest fires to name a few!

Winter Sports Travel Insurance

Winter sports Cover

Brrrrilliant prices, just like our cover.
Cover yourself for your skiing trip and if you're hitting the slopes with extra cover for ski equipment, piste closure and avalanche cover!

Wedding Travel Insurance

Wedding Travel Insurance

Your big day needn't be stressful.
We've got the dress, rings and gifts covered so cue the wedding march!

Available with Gold and Platinum level policies

Additional Sports Travel Insurance

Extra Sports Activity Cover

Taking on an extreme sport?
Cover yourself for additional sports that are not included in your ordinary policy with this added cover extension!

Available with Gold and Platinum level policies

Gadget Cover Insurance

Gadget Cover Insurance

Insure your gadgets with Holiday Extras!
Make the most of comprehensive insurance for your gadgets - including your smartphones and tablets, in the event of loss, theft or damage!

Car Hire Excess Cover

Car hire excess

Avoid paying extra car hire excess charges.
Make a one-off extra payment on your policy for damage excess for your rental vehicle and enjoy excess cover; including windcreen, tyres and rental vehicle key cover.

Increased Cancellation Cover

Increased Cancellation Cover

Security if your plans change last minute.
If you are taking out a single trip policy with Platinum level cover you can increase your cancellation cover to £10,000 on a non-cruise policy and up to £20,000 for a cruise policy!

Frequently asked questions

Remember, you can book your policy online any time or via our UK based call centre on 0800 3160 308 quoting WY992.

Visit our FAQs page for more information or to find out everything you need to know about your travel insurance policy, visit our terms and conditions page.

Policy Wording

We're proud partners Travel Insurance Facilities (TIF) as of April 1st 2019. For more information on our policies and exactly what's included in your cover, please consult our policy wording page.

Holiday Extras Cover Ltd and Holiday Extras Ltd are authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 and Holiday Extras Ltd 01693250 are registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

Holiday Extras is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.