Skip to content
Travel insurance with medical condition cover

Travel insurance with medical condition cover

Underwritten by Great Lakes Insurance UK Limited

Retrieve saved details

What is a pre-existing medical condition?

When talking in travel insurance terms, a pre-existing medical condition is defined as an injury, illness, disease or other medical condition that happens before your trip starts. Some insurers will exclude these from your policy and won’t cover the related costs.

But we can tailor your travel insurance to cover many pre-existing medical conditions, including diabetes, heart conditions, epilepsy, high blood pressure and asthma depending on screening.

Why choose Sainsbury’s Bank?

  • Nectar members save up to 20% on all travel insurance policies. This discount doesn't apply to premiums for pre-existing medical conditions or enhanced gadget cover.*
  • Choose from Silver or our 5 star Defaqto rated Gold or Platinum cover
  • Cover for unlimited medical expenses if you choose Platinum annual or single trip cover
  • 24/7 helpline available in case of medical emergencies
  • Cover for a wide range of pre-existing medical conditions 
  • COVID as standard more info

Which policy is right for you?

While all our travel insurance policies have some sort of medical cover for emergencies, it’s important that you let us know about any pre-existing conditions upfront.

You could get cover for pre-existing medical conditions with any of our travel insurance policies. Simply choose the one that suits you best. And remember to tell us about any conditions before you get a quote.

Limits, exclusions and excesses apply.

Single trip

Single trip cover is a great option if you're planning just one trip away. You can get cover for many pre-existing medical conditions with our single trip policy.

Annual multi-trip

Annual multi-trip travel insurance with pre-existing medical conditions cover might be ideal if you’re planning several trips (including UK holidays) in a year.

Extended trip

Perfect for longer trips, it covers travellers for up to 548 days, depending on the level of cover you choose. Just like with our other policies, you can get cover for lots of pre-existing medical conditions with this insurance.

Travel with confidence

We want you to enjoy your trip without worrying about any unexpected medical bills. So, it’s important you declare any pre-existing conditions before you get a quote. Just tell us at the beginning of the online quote process.

You’ll also need to let us know about any new medical conditions that arise before your policy starts. And if the nature of a condition you’ve already told us about changes, you need to let us know about that too.

Once declared, your cover will help with costs for emergency treatment related to the specific conditions and related issues. If you don’t tell us about a pre-existing medical condition you have, future claims may be rejected, or payment could be reduced.

You can declare a pre-existing medical condition during our simple medical screening, as part of the application process. This can be completed online or over the phone. It’s quick to complete and will help make sure you have the correct cover in place.

What pre-existing medical conditions do I need to declare?

Have you been treated for, or been diagnosed with, any of the conditions listed below in the last two years? If so, you need to tell us. That goes for anyone else insured under the policy as well.

  • a cardiovascular or heart-related condition, including heart attack, angina, chest pain, hypertension
  • a lung or respiratory-related condition (not including stable, well-controlled asthma when you have no other medical condition)
  • a cerebro-vascular condition, including stroke or TIA. (Transient Ischaemic Attack)
  • any form of cancer
  • a terminal condition
  • a psychiatric or psychological condition
  • a renal condition or diabetes

You also need to let us know about any of the following, if it happened in the last 12 months:

  • you received treatment or are on a hospital waiting list for in-patient treatment
  • you were prescribed regular medication
  • you required an organ transplant or dialysis

If you’re not sure, or have any questions, get in touch with us on 0345 305 2621^. Our team is ready to help with any questions about travel insurance for pre-existing conditions.

Covid-19 Cover

Covid-19 cover is included as standard on all of our policies. Don’t forget to check the latest Foreign, Commonwealth and Development Office (FCDO) and local government travel advice before you go. You won’t be covered if you travel against it.

For full details of the Covid-19 cover provided on new and existing policies take a look at our policy booklet.

Covid-19 Cover

Silver (up to)

Gold (up to)

Platinum (up to)

Medical emergency and repatriation expenses £10 million £15 million Unlimited
Cancellation and cutting short your trip £3,000 £5,000 £7,500

Letting us know about medical treatment abroad

If you have an emergency or need medical treatment abroad, call our Medical Assistance Helpline on +44 (0) 1403 288 125 as soon as you can:

The Medical Assistance team will:

  • confirm that you’re in a safe place
  • find the best local treatment available to you
  • consider your health and best interests
  • make sure the necessary medical fees are guaranteed where cover is provided by your policy

We can’t cover any costs over £500 if you haven’t agreed treatment with the Medical Assistance Helpline.

Helpful guides

Our travel guides are packed full of useful information to help you when you’re travelling abroad.

 Dealing with disruption

Travel disruption

Add our optional travel disruption cover to your policy to help provide additional protection.

Losing documents abroad

Losing documents abroad

Take steps to prevent the stress of losing your passport or driving license whilst abroad.

Planning a solo trip

Solo travel guide

Planning a solo trip? Read our guide to travelling alone.

Any questions?  

You can get in touch with our friendly team to speak about our travel insurance policies by calling 0345 305 2621^..

^Sales and service lines are open 9am-5pm Monday to Friday. We're closed weekends and Bank Holidays. Calls may be monitored or recorded and are charged at local rates from landlines and mobiles.

Helpful phone numbers

Terms and conditions

*Up to 20% discount applies when you tell us your Nectar card number. Discount does not apply to premiums for pre-existing medical conditions or enhanced gadget cover. You won't be eligible if you buy through a price comparison website. We reserve the right to change or cancel this offer without notice.

** Telephone calls may be recorded for security purposes and monitored under our quality control procedures.

Sainsbury’s Bank Travel Insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting;

Sainsbury’s Bank Travel Insurance is sold and administered by Hood Travel Limited, registered at Companies House 08318836. Hood Travel is authorised and regulated by the Financial Conduct Authority under registration number 597211. Hood Travel Limited’s registered address is at 2nd Floor, Decora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB.