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Call our Kent-based team on 0800 3160 308 and quote agent, or book online to find the best medical travel insurance policy

Is a mental health disorder classed as a pre-existing condition?

Both physical and mental health conditions need to be listed as pre-existing conditions when applying for travel insurance as both of these may need treatment when abroad and can affect your insurance premium. You can also take out insurance that will cover you in the event of needing to cancel a holiday, something which may be particularly important for those suffering from mental health issues.

Mental health disorders class as pre-existing conditions as having these may affect your risk factor for physical illness and needing treatment for drugs and alcohol-related incidents. Knowing the severity of your condition is important to establish this risk factor, as many insurers may see mental health conditions as a high-risk factor as you are more likely to claim.

The most common mental health disorders that need declaring

Over a third of people have mental health disorders in their lifetimes, and so it is vital to understand how these can affect your insurance policy so that you can take out the best insurance for you. Luckily, there are many insurers who specialise in ensuring people with pre-existing and mental health conditions that can help you to stay covered for the entirety of your trip.

Any mental health disorder that you have that needs medicating or affects your everyday life needs to be declared to ensure that you are fully covered. The most common mental health disorders that need to be declared when taking out insurance include:

  • Anxiety and Panic Disorders
  • Depression
  • Bipolar Disorder
  • Schizophrenia
  • Obsessive Compulsive Disorder
  • Eating Disorders such as Anorexia and Bulimia
  • Tourettes Syndrome
  • Psychosis

There are many common mental health disorders that need to be declared to ensure full coverage and these are only a few of the mental health issues that could stop you from being fully covered in the event of necessary treatment.

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.