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Medical Travel Insurance

Finding suitable travel insurance with a medical condition isn't necessarily the hard part. It's finding a provider that won't compromise on comprehensive cover and a tailored policy for your needs. At Holiday Extras, we cover the majority of pre-existing medical conditions, and all medical conditions will be considered. 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, taking your medical condition into consideration.

How to book medical travel insurance

After you have filled in your travel details in the booking form at the top of this page, we will ask you a brief series of questions to determine whether your insurance will be with medical conditions or not.

These questions will include:

  • Has your (or anyone travelling with you) doctor altered your regular prescribed medication in the last 3 months?
  • In the last 2 years have you (or anyone travelling with you) been treated for any medical condition which has been deemed or referred to as a serious or re-occurring medical condition?
  • In the last 2 years have you (or anyone travelling with you) been asked to take regular prescribed medication, or referred to a specialist or consultant at a hospital for tests, diagnosis or treatment?
  • Are you (or anyone travelling with you) waiting for any tests, treatment or a non-routine hospital appointment?

If you answer yes to any of the above questions, this will indicate that somebody on the policy has a medical condition that will need to be declared. Yourself or someone within your policy will then need to undertake the screening process which is specifically designed for customers with a pre-existing medical condition.

This discreet and confidential screening process has been designed to ensure you get cover that's tailored to your requirements - giving you peace of mind when travelling. If you will be travelling with medication check out our page full of helpful tips and advice. If you're travelling with diabetes we also have handy information for that too.

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 medical 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.

Why choose Holiday Extras?

14 Day Guarantee
  • - Over 25 years experience selling travel insurance.
  • - Voted best insurance provider 12 years running.
  • - Tailored policies to suit your personal requirements.
  • - Policies with no excess available.
  • - UK-based contact centre and 24/7 helpline.
  • - All medical conditions considered.

Compare Holiday Extras' medical travel insurance policy cover levels

Our travel insurance is available in both single-trip or annual multi-trip, at bronze, silver, gold and platinum levels.

Bronze
Silver
Gold
Platinum
Baggage cover
£500
£1,500
£2,000
£2,000
Cancellation cover
£1,000
£2,500
£5,000
£5,000
Medical cover
£5 million
£10 million
£10 million
£10 million
Excess charge
£150
£100
£50
£0
Lost passport
£250
£250
£300
£350
End supplier failure
X
£1,500
£2,500
£2,500
Personal money
£300
£350
£400
£500
Wedding cover
X
X
£1,500
£1,500
Gadget cover
X
X
X
£750

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 medical travel insurance. These include:

Frequently asked questions


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.