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Holiday Insurance and Pre-existing Medical Conditions
Finding good value, 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 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. It's a great idea to always compare travel insurance.
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
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 3160 308 quoting WY992, or get a quote online and declare your medical condition during the quote. 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 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 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 bits of information:
Location: Where abouts are you going?
Book online with us today
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?
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
We are super excited to offer you our brand-new products with our partnered underwriters, TIF (Travel Insurance Facilities), that launched in April. Finding the right travel insurance sometimes can seem overwhelming, but with Holiday Extras we just have 2 policies ( Single Trip and Annual Multi-Trip with 4 levels of cover. This way you can personalise your insurance policy to what you need and what you will be doing on holiday! Our policies have varying levels of medical cover, so depending on your condition and the country you visit, you can pick what personally suits you best:
Why choose Holiday Extras?
- - 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.
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
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.
Gap Year Travel Insurance
Planning the trip of a lifetime?
Stay safe on your ventures volunteering, interning and exploring the globe.
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
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!
We want to make sure your policy is kitted out with all of the protection you need. Use our comprehensive additional cover options to ensure you're covered for every item on your itinerary with a great value extra premium.
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!
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
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.
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 3160 308 quoting WY992.
- Find more information about cover for your condition below:
- Medical Insurance Homepage
- Allergies Travel Insurance
- Angina Travel Insurance
- Arthritis Travel Insurance
- Asthma Travel Insurance
- Brain Tumour Travel Insurance
- Breast Cancer Travel Insurance
- Broken Bones Travel Insurance
- Cancer Travel Insurance
- COPD Travel Insurance
- Crohn's Disease Travel Insurance
- Dementia Travel Insurance
- Depression Travel Insurance
- Diabetes Travel Insurance
- Disability Travel Insurance
- DVT Travel Insurance
- Epilepsy Travel Insurance
- Fibromyalgia Travel Insurance
- Heart Condition Travel Insurance
- High Blood Pressure Travel Insurance
- HIV Travel Insurance
- Gall Stones Travel Insurance
- Lung Cancer Travel Insurance
- Lupus Travel Insurance
- MS Travel Insurance
- Myeloma Travel Insurance
- Prostate Cancer Travel Insurance
- Stroke Travel Insurance
- Children with medical conditions:
- Travel Insurance Child with Medical Conditions
- Travel Insurance for Child with Autism
- Travel Insurance for Child with Cystic Fibrosis
- Travel Insurance for Child with Heart Conditions
- Travelling with a Disabled Child
- Child Travelling with Medication
- Additional information:
- Do you have to declare medical conditions for travel insurance?
- Are mental health conditions classed as a pre-existing medical condition?
- What is classed as a pre-existing medical condition?
- What medical conditions can stop me from flying?
- Travelling with Arthritis
- Travelling with Diabetes
- Travelling with Medication
- Guide to Flying with Back Pain
- Which countries have the best medical care?
- Deep Vein Thrombosis when Travelling
- Senior Travel Insurance with Medical Conditions
- Travel vaccinations:
- Travel Vaccinations
- BCG Tuberculosis Vaccine
- Cholera Vaccine
- Hepatitis A Vaccine
- Hepatitis B Vaccine
- Japanese Encephalitis Vaccine
- Meningitis Vaccine
- Polio Tetanus and Diphtheria Vaccine
- Rabies Vaccine
- Typhoid Vaccine
- Yellow Fever Vaccine
- Upgrade your policy with extra cover to suit how you like to travel:
- Business Travel Insurance
- Gadget Travel Insurance
- Cruise Travel Insurance
- Golf Travel Insurance
- Wedding Travel Insurance
- Excess Waiver Travel Insurance
- Car Hire Excess Cover
- Extreme Sports Travel Insurance
- Water Sports Travel Insurance
- Winter Sports Travel Insurance
- Travel insurance homepage
- Travel insurance FAQs
- Our cover levels:
- Basic cover policy
- Standard cover policy
- Premium cover policy
- Our policies:
- Single Trip Travel Insurance
- Annual Travel Insurance
- Latitude Medical Travel Insurance
- Coach Travel Insurance
- European Travel Insurance
- Worldwide Travel Insurance
- Cheap Travel Insurance
- Compare Travel Insurance
- Cheap Travel Insurance Europe
- Cheap Travel Insurance Worldwide
- Family travel:
- Children's Travel Insurance
- Family Travel Insurance
- Pregnancy Travel Insurance
- Single Parent Travel Insurance
- Under 16 Travel Insurance
- Under 18 Travel Insurance
- Single-Trip Family Travel Insurance
- Annual Family Travel Insurance
- Over 50's Travel Insurance
- Over 65's Travel Insurance
- Over 65's Travel Insurance
- Over 70's Travel Insurance
- Over 75's Travel Insurance
- Over 80's Travel Insurance
- Over 85's Travel Insurance
- Student travel:
- Backpacker Travel Insurance
- Gap Year Travel Insurance
- Nomad Travel Insurance
- School Trip Travel Insurance
- Student Travel Insurance
- Volunteering Abroad Travel Insurance
- Working Holiday Insurance
- Sports cover:
- Sports Travel Insurance
- Adventure Travel Insurance
- Camping Travel Insurance
- Football Travel Insurance
- Horse Riding Travel Insurance
- Hiking Travel Insurance
- Kayaking Travel Insurance
- Kitesurfing Travel Insurance
- Motorcycle Travel Insurance
- Mountain Biking Travel Insurance
- Off-piste Ski Travel Insurance
- Safari Travel Insurance
- Sailing Travel Insurance
- Scuba Diving Travel Insurance
- Ski Travel Insurance
- Snowboarding Travel Insurance
- Surfing Travel Insurance
- Trekking Travel Insurance
- Windsurfing Travel Insurance
- Further information:
- Annual Cruise Travel Insurance
- Brexit and Travel
- Couple's Travel Insurance
- EHIC Information
- End Supplier Failure Cover
- Group Travel Insurance
- Holiday Cancellation Insurance
- Independent Travel Insurance
- Interrail Travel Insurance
- International Travel Insurance
- Long Term Travel Insurance
- Senior Travel Insurance
- Travel Health Travel Insurance
- Weekend Travel Insurance
- What Happens If You Miss Your Flight?
- Travel insurance advice for your destination:
- European Travel Insurance
- Worldwide Travel Insurance
- Costa Rica
- Halong Bay Vietnam
- Hong Kong
- New Orleans
- New York
- New Zealand
- South Africa
- Sri Lanka
- Visa Waiver Program
- B1 visa
- B2 visa
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.