Able2Travel Travel Insurance

Specialist Medical Travel Insurance For People With Pre-existing Medical Conditions

Finding the best travel insurance for your pre-existing medical conditions or long term illness can be a struggle as many standard travel insurance policies offer limited or inadequate cover for pre-existing conditions. Even if you do manage to find a policy that meets your needs, the price could be end up being prohibitive.

As an older person, buying travel insurance that meets your requirements can also be difficult as many insurers are not keen to offer cover to senior travellers. At Able2Travel, we believe older travellers, and travellers with pre-existing medical conditions deserve the opportunity to travel with peace of mind at a reasonable price.

For the love of travel, choose Able2Travel. 

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Why Choose Able2Travel?

Able2Travel has over 20 years of experience in providing travel insurance for elderly travellers or people with existing conditions. Our award winning Travel Insurance policies offer competitive protection for your trip including a wide range of benefits such as:

  • No Age Limit on Single Trip Policies*
  • Cover for 1,000s of pre-existing medical conditions including cancer, diabetes and heart conditions
  • Emergency Medical Expenses Cover – up to £10 million per person
  • Trip Cancellation Cover - up to £5,000 per person
  • Optional cruise cover and the ability to include ‘missed port of call cover’

*for areas 1, 2 and 3

These are just a few benefits of our Able2Travel policy. For all details, click on the button below to view the full table of benefits.

View Full Table of Benefits

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Don’t just take our word for it, take the word of thousands of our satisfied customers who we’ve helped cover in the last 20 years.

What Type of Policies Does Able2Travel Offer?

Able2Travel has a wide range of policies available for you to choose from to best suit your needs.


Single Trip Travel Insurance

Suitable for travellers looking to cover one trip abroad with no upper age limit to Areas 1,2 and 3.

Annual Multi-Trip Insurance

Unlimited travel. Designed for travellers going on multiple trips in the next 12 months.

Pre-existing Medical Condition Travel Insurance

You can get travel insurance with existing conditions cover, including cancer, COPD, and many more.

Senior Travel Insurance

Travel Insurance for senior travellers who still want to explore the world. Travel without limits.

What Features Do Able2Travel Policies Have?

Able2Travel offers 3 levels of cover for both Single Trip and Annual Multi-trip policies, enabling you to pick a travel policy that is best suited to your individual needs.

The policy features table below will help you understand the different features on Single and Annual Multi-Trip policies depending on the level of Travel Insurance cover that you choose.

Single Trip Policy Features





Maximum age at date of departure (travel to areas 1, 2 & 3) No Limit No Limit No Limit
Maximum age at date of departure (travel to area 4) 79 79 79
Maximum period per Trip if aged 65 years or under 365 days 365 days 365 days
Maximum period per Trip if aged 66 to 79 years 45 days 45 days 45 days
Maximum period per Trip if aged 80 to 85 years in all areas excluding area 4 31 days 31 days 31 days
Maximum period per Trip if aged 86 years and over in all areas excluding area 4 23 days 23 days 23 days
Maximum period per Trip if aged 80 years and over in area 4 No Cover No Cover No Cover

Annual Multi-Trip Policy Features





Maximum age at start date of the period of cover shown on Your certificate 79 79 79
Maximum period per Trip if aged 65 years or under 31 days 31 days* 31 days*
Maximum period per Trip if aged 66 to 75 years 31 days 31 days** 31 days**
Maximum period per Trip if aged 76 to 79 years 31 days 31 days 31 days
Business travel included Yes Yes Yes
Trips within your country of residence (refer to definition of trip for further information) Included Included Included
Family members can travel separately if named on Your certificate No No Yes
Wintersports (Activity pack 5) upon payment of an additional premium and shown on Your Policy Certificate - up to total maximum of 21 Days 21 Days 21 Days

*Available to extend to 45 days or 60 days for an additional premium.

**Available to extend to 45 days for an additional premium.

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Frequently Asked Questions

1. How Much Does Travel Insurance Cost?

The cost of travel insurance varies depending on the level of cover you have chosen, your age, pre-existing medical condition you have, holiday duration, and destination.

If you add any policy options e.g. sports cover or cruise cover to your policy, this will also affect the cost of the policy.

2. Which Area Do I Choose?

If you aren’t sure which area to choose, please see below to find which area to select for your trip when purchasing your Able2Travel policy.

  • Area 1- England, Scotland, Wales, Northern Ireland, and the Isle of Man.
  • Area 2- Those countries listed above in 'Area1' and including: Albania, Andorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands (Guernsey, Jersey, Alderney, and Sark), Corsica, Croatia, Cyprus, Czech Republic, Denmark (inc. Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Greece (including Greek Islands), Holland (Netherlands), Hungary, Iceland, Italy, Kosovo, Liechtenstein, Latvia, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, North Macedonia, Norway, Poland, Portugal (inc. Azores), Republic of Ireland, Romania, Russia (West of Urals), San Marino, Sardinia, Serbia, Slovakia, Slovenia, Spain (including Balearic and Canary Islands), Sweden, Switzerland, Ukraine, Vatican City.
  • Area 3- Anywhere in the world excluding the United States of America, Canada, the Caribbean, and Mexico.
  • Area 4- Anywhere in the world

3. What Level of Cover Do I Need?

Able2Travel offers 3 levels of cover on all policies (Silver, Gold, and Platinum) When choosing the level of cover, make sure you choose enough cover for the cost of your trip and how much baggage you are taking.

If you want to compare the different levels of cover, you can visit our Compare Cover page.

4. Do I Need to Tell Able2Travel If I Have Pre-Existing Medical Condition?

Yes, it’s important that you declare any pre-existing medical conditions you may have when taking out a policy at Able2Travel. If you don’t declare your pre-existing medical conditions, it can make your travel insurance policy invalid when you need to make a claim.

5. Can I Get Travel Insurance While on A Waiting List?

Most likely yes. If you’re currently on a waiting list for treatment or surgery for a diagnosed medical condition we can potentially find a travel insurance solution for you. We may even be able to find you cover in case you have to cancel or end your holiday early, due to a change of date for your treatment or surgery.

For more details about getting travel insurance while on waiting list, please contact our dedicated UK Call Centre on +44(0)1483 806 826 to speak with one of our trained specialists.

Please note: we cannot provide cover to travellers who are experiencing symptoms and have not yet received a confirmed diagnosis of those symptoms from GP or medical practitioner.

6. How Do I Get a Travel Insurance Quote?

It’s quick and easy to get a quote from Able2Travel. Just click the quote button below and pick the policy that best meets your needs - We can then provide you with an instant travel insurance quote online. If you prefer to speak with someone, you can call our dedicated UK based Able2Travel specialist travel insurance team.

Get your Quote OnlineorCall us on +44(0)1483 806

Important Information for Customers with Serious Medical Conditions

MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.