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Overview

Comprehensive travel insurance with pre-existing medical conditions covered is what we specialise in at Holiday Extras.

Why choose Holiday Extras' Travel Insurance?

  • Competitive and reliable holiday insurance you can trust
  • Friendly and discreet medical screening process
  • Award winning Kent-based customer call centre
  • 'Best Insurance Provider' 10 years running at Globe Travel Awards
  • Flexible policies, individually tailored
  • 14 day money back guarantee

Finding some 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. 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 with your medical condition considered.

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 would need to declare the medical condition, or medical conditions, 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 or not your insurance will be with medical conditions or not. These questions will include whether anyone on the policy...

  • takes prescribed medication
  • has a health problem that's meant they've needed to visit a doctor or needed an investigation in the last two years
  • has ever had cancer, heart, circulatory or breathing problems
  • has a terminal illness or prognosis
  • suffers from an undiagnosed medical condition or any undiagnosed symptoms
  • is on a waiting list for surgery, treatments or medical investigations at a hospital, clinic or nursing home

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 screening process both online and over the phone, has been designed to ensure you get cover that's tailored to your requirements - giving you peace of mind when travelling. Give a member of our confidential and friendly team a call on 0800 042 0309 quoting WY992, or get a quote online and declare your medical condition during the quote.

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 trade at any time prior to the point of departure for your chosen trip. You would not qualify for cover if you're travelling against medical advice or would have been advised not to travel if you had consulted your doctor. You should always refer to the policy wording for the exact definition.

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:

Below are examples of the amount of cover you can receive when you buy Holiday Extras Travel Insurance with Medical Conditions. You can 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

from £40.15*

Arthritis cover

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

from £40.15**

*Prices based on 1 person aged 25 with Diabetes, travelling to Europe excl. Spain/Cyprus/Malta on a single-trip policy 23/06/18-30/06/18. Price correct as of April 2018 - all prices subject to change.

**Prices based on 1 person aged 25 with Arthritis, travelling to Europe excl. Spain/Cyprus/Malta on a single-trip policy 23/06/18-30/06/18. Price correct as of April 2018 - all prices subject to change.

    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

Single Trip and Annual Trip Policies

As a ten-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.

Single trip


  • Cover one trip up to 45 days
  • £15 million medical cover
  • £5,000pp cancellation cover
  • £2,000pp baggage cover
  • 24/7 UK emergency helpline
  • UK, Europe & Worldwide cover

£41.19*

Annual travel


  • Cover multiple-trips per year
  • £15 million medical cover
  • £5,000pp cancellation cover
  • £5,000pp baggage cover
  • 24/7 UK emergency helpline
  • UK, Europe & Worldwide cover

£82.92**

*Prices based on 1 person aged 25 with a declared pre-existing medical condition, travelling to Europe excl. Spain/Cyprus/Malta, from 10/09/18 until 18/09/18. Price correct as of August 2018.

**Prices based on 1 person aged 25 with a declared pre-existing medical condition, travelling to Europe, from 10/09/18 to 09/09/19. Price correct as of August 2018.

We take into account all aspects of your trip, including how long you're travelling for. If you're planning a single trip abroad, then we can provide the comprehensive cover you need for up to 45 days at a time and, with your pre-existing medical conditions declared on your policy, you can travel with the knowledge that Holiday Extras has got you covered.

If you're planning two or more trips abroad, then you could purchase an annual holiday insurance policy. You will be entitled to travel as many times as you like across 365 days. Just make sure each trip doesn't exceed the 31 day limit.


Popular Policies with Medical Conditions Cover

Family Travel Insurance with Medical Conditions


  • Excellent comprehensive cover
  • Single and Annual Trip
  • Up to 3yr's insured free
  • 3 to 18yr's half price insurance
  • 24/7 emergency UK helpline
  • UK, Europe & Worldwide cover
  • Family of four for just £40.55*

Over 65's Travel Insurance with Medical Conditions


  • Excellent comprehensive cover
  • Up to £10m medical cover
  • Up to £5k cancellation cover
  • Up to £2,000pp baggage cover
  • 24/7 emergency UK helpline
  • UK, Europe & Worldwide cover
  • From just £50.07**

*Price based on a family of 4 with 2 adults (aged 35) with 1 adult with a declared medical condition and 2 under 3s, travelling to Europe excl. Spain, Cyprus, Malta, Turkey and Greece from 29/08/18 until 01/09/18. Up to 3 year olds travel insurance is free with a paying adult with medical conditions. 3 to 18 year olds travel insurance is half price with a paying adult with medical conditions. Price correct as of August 2018.

**Prices based on 1 person aged 65 with a pre-existing medical condition, travelling to Europe excl. Spain, Cyprus, Malta, Turkey and Greece from 23/09/18 until 01/10/18. Price correct as of August 2018.

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 cruise cover, 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.

Winter Sports Travel Insurance

Winter Sports Travel Insurance

Brrrilliant prices, just like our cover.
Hit the slopes knowing injuries and damaged ski equipment are covered.

Cruise Travel Insurance

Cruise Travel Insurance

Set sail with the right insurance.
Protecting your cruise trip from missed port departure, cabin confinement and unexpected itinerary changes.

Reviews

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

Frequently asked questions

Remember, you can book your policy online any time or via our UK based call centre on 0800 042 0309 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 with Allianz Global Assist, the world-leading insurance providers behind all of our policies. For more information on our policies and exactly what's included in your cover, please consult our non-medical policy wording or our pre-existing medical policy wording.