Travel insurance and your medical condition
Information about the benefits of travel insurance and how it can help you if you have a medical condition.

When planning a trip – whether it’s a short break, or the adventure of a lifetime – it’s important to make sure you have the right travel insurance for your needs. The right policy can protect you against the expenses of unexpected medical emergencies and/or cancellation of your holiday and other losses.

Why might I need medical cover when travelling?

In the UK, we are very fortunate to have access to medical care through the NHS.  However, if you require emergency medical treatment in a foreign country there is the potential that you will have to pay for it yourself.  Medical expenses can be financially devastating and this is where travel insurance really comes in as an essential part of your travel plans and budget.

Travel insurance will help pay unexpected emergency medical costs that may be incurred while travelling, in-line with the terms in the policy wording. 

What if I have a pre-existing medical condition, such as a heart problem, Parkinson's disease or cancer?

Pre-existing medical conditions may not be covered automatically, so you may be required to go through a health screening process on the telephone to see if your conditions can be covered.  There may be an additional premium to pay in order to have insurance cover for these health problems.

Whether you need to declare your conditions or not varies from policy to policy, so read the health questions carefully. Cheaper policies often simply exclude most existing medical conditions completely

What about the European Health Insurance Card (EHIC)?

The EHIC gives you the same rights and access to medical care in participating countries as a local person. Therefore, if a local person has to pay for treatment, so will you. There are certain things that the EHIC does not cover in any circumstances, such as medical repatriation back to the UK. This can run into tens of thousands of £’s. Without travel insurance, you may have to pay for this yourself if medical repatriation becomes necessary.

Additionally, the EHIC is not valid outside of Europe leaving you exposed to the full cost of emergency medical expenses. Some other countries do have a reciprocal health agreement with the UK, for example, Australia. You should check this before you travel.

Why does my partner need to be on the same policy as me? They don’t have a medical condition.

Usually, if your partner is on another travel insurance policy and has not declared your medical condition, they may not be covered if they need to make a claim because of it. For example: cancelling the trip due to an unplanned hospital visit.

By having you both on the same policy with your conditions declared and covered, you will both be able to claim if you had cancel, in-line with the policy terms and conditions, due to a pre-existing medical condition. This is because the premium you have paid to cover your medical conditions has taken into account the possibility of this happening.

There are a lot of insurance companies and policies – where do I start?

With over 15 years’ experience, Able2Travel is proud to have helped many people to find suitable travel insurance that covers their medical conditions.  In addition to the Able2Travel policy, our specialists have access to additional options that may be suitable for more serious medical conditions. This means you can find the cover you need with one call to Able2Travel at 01892 839 501.


Get a quote for travel insurance
Telephone 01892 839 501

Able2Travel is here to help you obtain travel insurance, even if you have a health problem or a pre-existing medical condition.
Call us today for a sensitive and confidential quote on 01892 839 501, or click the Get a Quote button and an Able2Travel insurance specialist will call you back.

If you have any health concerns, always consult your doctor before travelling.

Author: Michèle