Pre-existing Medical Condition Travel Insurance
- Up to £10 million - Emergency Medical Expenses Cover
- Up to £5,000 – Cancellation Cover Per Person
- Up to £1,500 – Mobility & Disability Equipment Cover
- Up to £450 – Replacement Prescribed Medication Cover
- 1000s of Medical Conditions Covered
3 Options available including:
Cruise Cover Option, Winter Sports Cover Option, Sports Travel Insurance...see all
Why Choose Able2Travel?
- Specialists in travel insurance for people with existing medical conditions
- Full Cover available for 1,000s of conditions
- Instant cover by telephone or quick and easy online screening in a few minutes
- Great value cover also available for you and everyone travelling with you
Pre-existing Medical Condition Travel Insurance
Cover For Thousands of Health Conditions
You're not alone in wondering, "Can I get travel insurance with pre-existing medical conditions?”. For many travellers with Able2Travel, the answer is yes — we can help you travel with peace of mind. Able2Travel specialises in covering people, with hundreds of different declared conditions every year.
Our pre-existing medical condition travel insurance is designed to protect you when plans change unexpectedly. It covers everything from emergency medical treatment abroad through trip cancellations to travel delays.
You might be planning a family adventure, or a relaxing beach holiday while adapting to recent health changes. Or simply exploring the world in your retirement with well-deserved peace of mind. Able2Travel is here to make arranging travel cover with a pre-existing medical condition as straightforward as possible.
Click below to get a travel insurance quote for pre-existing medical conditions.
What Pre-existing Medical Conditions can Able2Travel Cover?
At Able2Travel, we provide cover for thousands of pre-existing medical conditions, including chronic, complex, and ongoing illnesses. This list includes examples of conditions we have covered:
- Heart & Circulatory conditions: e.g. High Blood Pressure, Angina, Heart Attack, Atrial Fibrillation
- Chronic illnesses: e.g. Asthma, COPD, Diabetes, Kidney Conditions
- Mental Health Conditions: e.g. Anxiety, Depression, Bipolar Disorder
- Neurological & Autoimmune: e.g. Stroke, Epilepsy, Multiple Sclerosis (MS), Lupus
- Bone & Joint Issues: Arthritis, Osteopenia, Hip Replacements
Why Choose Able2Travel Travel Insurance?
Able2Travel Travel Insurance has over 15 years of experience in providing for holiday insurance with pre-existing medical conditions. Thousands of people like you place their confidence in us to help to protect their travels.
We take the time to understand your individual health circumstances when arranging cover for you. Because we know what matters most: to feel safe, supported, and understood.
To see how we have helped others find peace of mind, read our Able2Travel reviews on what they said about us.
What Does Able2Travel Travel Insurance Cover for Pre-Existing Medical Conditions Include?
Our holiday insurance for pre-existing medical conditions covers a range of holiday mishaps including:
- Emergency Medical Cover – Covers emergency medical care costs abroad, including hospital stays relating to your declared conditions
- Trip Cancellation - Covers for non-refundable travel and accommodation costs if you need to cancel your trip for an insured reason
- Mobility & Disability Equipment - Protection for essential equipment, such as wheelchairs, if it’s lost or damaged on your trip
- Replacement Prescribed Medication - Cover for the cost of replacing essential medication if it’s lost or delayed during your journey
- Emergency Transport – - Covers the costs of bringing you back to the UK if it becomes medically necessary
Click below to get a travel insurance quote for pre-existing medical conditions.
Which Travel Insurance Cover for Pre-Existing Medical Conditions is Right for You?
Selecting what is the best travel insurance for pre-existing medical conditions for your needs may feel overwhelming, but finding the right cover doesn’t need to be complicated. Able2Travel offers three levels of cover to choose to best match your travel needs and budget.
| Policy Highlights (per person) | Silver (£) | Gold (£) | Platinum (£) |
| Emergency Medical Cover | 10 million | 10 million | 10 million |
| Trip Cancellation | 1,500 | 2,500 | 5,000 |
| Mobility & Disability Equipment | 750 | 1,000 | 1,500 |
| Replacement Prescribed Medication | 150 | 300 | 450 |
| Emergency Transport | No Limit | No Limit | No Limit |
The table above highlights some of the benefits included with our holiday insurance cover for pre-existing medical conditions. To view full pre-existing medical condition travel insurance compare table, please refer to the policy wording.
Tailor Your Travel Insurance Cover for Pre-Existing Medical Conditions
You can add optional extras to your travel insurance including pre-existing medical conditions to match your travel plans:
- Cruise Cover – Perfect for those who love to relax on the cruise
- Winter Sports Cover – Ideal for hitting the slopes, whether you're skiing, snowboarding (max duration of 21 days)
- Sports Cover – Covers for traveller taking part in more adventurous sports
Ready to Travel with Confidence?
We’re here to give you the confidence to travel and enjoy your time away. With the right cover in place, your medical condition doesn’t have to prevent you from making the memories you deserve.
Pre-existing Medical Condition Travel Insurance Options
Winter Sports Cover Option
Winter Sports Cover will provide protection for lost, damaged or stolen ski equipment whether its owned or hired, and cover in place should you miss any prepaid activities.
Cruise Cover Option
Add Optional Cruise Cover to your Able2Travel Travel Insurance policy to include specific cruise related cover for Missed Port, Cabin Confinement, Low/High Water, Shore Excursions, and Denied Boarding.
Sports Travel Insurance
Add the Sports Cover Option to your Able2Travel Travel Insurance policy if you plan on taking part in sports whilst on your trip, including Golf!
Frequently Asked Questions about Travel Insurance Cover for Pre Existing Medical Conditions
1. What Does Pre-existing Medical Condition Mean for Holiday Insurance?
At Able2travel, we define “pre-existing medical condition” as any illness, disease, or injury, including any psychological conditions. These medical conditions can be something you have now or have had. This applies to you and anyone on your policy at the time you buy your holiday insurance or book your trip.
2. Can I Exclude a Pre-Existing Medical Condition from Holiday Insurance?
No — all existing or ongoing medical conditions must be declared when you get a quote. This makes sure we can offer you the right cover and that your policy stays valid.
By declaring all conditions, you can be confident your policy will be valid if you ever need to make a claim.
Similarly, any changes in health you may have while the policy is in force, you also would need to declare them.
3. How to Get a Holiday Insurance Quote with Pre-existing Medical Conditions?
Arranging the right cover is straightforward with Able2Travel — it only takes five simple steps to get your quote:
- Tell us about your trip – where you’re travelling to, travel dates, and who’s travelling
- Complete the medical screening about any health issues you have had – this can be done online or over the phone
- Get your personalised quote
- Compare three levels of cover and choose the option that suits you best
- Add optional extras to tailor the policy to your needs, such as cruise cover or winter sports cover
4. What Types of Pre-existing Medical Holiday Insurance Policies Are Available?
Able2Travel provides flexible holiday insurance to solo travellers, families and seniors to suit a variety of needs:
- Single Trip Cover: Ideal for one-off trips, covering you from the start to the end of your holiday.
- Annual Multi-Trip Cover: Covers multiple trips within a 12-month period, making it a convenient option for frequent travellers.
5. What Happens If My Health Condition Changes After I’ve Bought Holiday Insurance?
If your health changes after you’ve bought your policy, please let us know as soon as possible. This is so we can make sure you remain fully covered.
You need to tell us if you have any change in your health where you had to:
- See a specialist or consultant
- Go to hospital for treatment, tests, or surgery
- Wait for treatment or test results
- Change your regular medication
6. Can I Get Holiday Insurance Cover for Pre-existing Medical Conditions While on A Waiting List for Treatment?
Being on a waiting list for treatment or surgery does not always mean you cannot travel. At Able2Travel, we review each case individually, and in some situations, it is possible to arrange suitable travel insurance cover.
In certain situations, cover can also be included for cancelling or shortening your trip due to changes in your treatment schedule. Our team is here to explain your options and help you find the cover that suits your needs. please call us on 01483 806 826.
7. Can I Rely on The GHIC Instead of Holiday Insurance with Pre-Existing Medical Conditions?
While the GHIC (Global Health Insurance Card) provides access to state-provided healthcare in the EU, but it doesn’t replace holiday insurance. There are important limitations to be aware of as it doesn’t cover:
- private medical treatment, if this is the most appropriate place for you to be treated, which can be costly abroad
- trip cancellations, travel delays, or lost/damaged luggage
- cover emergency medical transport back to the UK (known as repatriation)
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 www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.