Travel insurance with medical condition cover

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?

You must provide us with further details about your pre-existing medical condition(s), if you answer yes to any of the following medical screening questions:

In the last 12 months have/are you or any person to be insured on this policy:

1. Been prescribed medication (including being prescribed regular medication)?
2. Received treatment for or consulted a doctor about any medical condition?
3. Attended a hospital or clinic as an out-patient or in-patient for any reason?
4. Been diagnosed as having a terminal condition?
5. Currently awaiting tests, investigations, treatment, surgery, or are awaiting the results of any tests or investigations?

If you’re not sure, or have any questions, get in touch with us on 0345 305 2622^. 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:

For policies purchased on or before 20 April 2026

+44 (0) 1403 288 125

For policies purchased on or after 21 April 2026

+44 (0) 20 8603 9158

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

Helpful guides

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

Any questions?  

You can get in touch with our friendly team to speak about our travel insurance policies by calling 0345 305 2622^.

^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