Loading, please wait...

Why you need to declare your medical conditions on your travel insurance

Pre-existing medical conditions are not often covered by standard travel insurance policies and in failing to do so, you run the risk of invalidating any claims you need to make that relate to your pre-existing medical condition. As such it's imperative that you declare them when taking out such a policy, and secure a medical travel insurance policy that covers existing medical conditions.

Common conditions that need to be declared

Medical conditions that you will need to declare to claim travel insurance range from high cholesterol to cancer, and also include conditions or diagnoses that have recently occurred, such as a heart attack or stroke. These all present an 'increased risk' of needing medical treatment abroad and as such, are required to be declared when booking travel insurance. Though not immediately obvious, you will also need to declare 'manageable conditions' such as diabetes and asthma, conditions which travel and flying may present adverse effects.

When going through your health screening for medical travel insurance, answer all questions honestly as this will strengthen your claim, should you need to make one.

Why choose Holiday Extras for your medical travel insurance?

Holiday Extras travel insurance is available on single trip and annual travel insurance policies, in the UK, Europe and worldwide. Specific medical cover for cruises is also available. We cover the majority of pre-existing medical conditions and all conditions will be considered.

  • - 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.

How do I declare my pre-existing medical condition?

To declare any pre-existing medical conditions, simply enter your travel details at the top of this page to be taken through to our medical screening process. This should only take a few minutes, and all your information with be treated with the utmost care and confidentiality.

Compare medical travel insurance cover levels:

Our travel insurance for pre-existing medical conditions is available 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
Personal money
£300
£350
£400
£500
Wedding cover
X
X
£1,500
£1,500
Gadget cover
X
X
X
£500

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.