Finding the right travel insurance when you have a pre-existing medical condition can be challenging. Our policies can be tailored to cover a range of conditions.

With Sainsbury’s Bank Travel Insurance, you’ll get:

  • Unlimited medical expenses with single trip and annual multi-trip policies if you choose Platinum cover
  • Access to our 24-hour helpline in the case of medical or other emergencies while you’re away
  • Peace of mind to travel with confidence knowing that your medical conditions are covered (once declared)

As long as you let us know about any conditions before you travel, you can relax on holiday, knowing we’ve got you covered.

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 policy 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.

Which policy is right for you?

While all our travel insurance policies have some sort of medical cover for emergencies, it’s important 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.

Find out more

Annual Multi-trip

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


Find out more

Extended trip

Perfect for longer trips, covering 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.

Find out more

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 T.I.A. (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.

Letting us know about medical treatment abroad

If you have an emergency or need medical treatment abroad, call our Medical Assistance Helpline as soon as you can:

+44 (0) 1403 288 125

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.

You should then contact the Sainsbury's Travel Insurance Assistance Centre:

+44 (0) 208 763 3284**

Try to make sure you get in touch within 48 hours if:

  • you have to stay in a hospital
  • your medical expenses are likely to be more than £500

Be sure to get any medical certificates showing the nature of the injury or sickness. Without them, it will be difficult to process a claim.

You may also need to provide hospital, doctor, dentist or pharmacist receipts as well as all receipts for any additional, related expenses.

Get a quote


Helpful guides

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

Travel disruption

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

Find out more
Losing Documents Abroad

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

Find out more
Solo Travel Guide

Planning solo trip? Read our guide to travelling alone.

Find out more

Any questions?

Get in touch with our friendly team to speak about our travel insurance policies.

Call 0345 305 2621^

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

Helpful phone numbers

**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 SE (GLISE) a German insurance company. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ, company number SE000083. Authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority: register number 769884. Details about the extent of GLISE’s authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from the insurer on request.

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 1st Floor Maitland House, Warrior Square, Southend-on-Sea, Essex, SS1 2JY. Hood travel is an insurance intermediary providing a non-advised service. We act for and on behalf of the insurer.