What is a pre-existing medical condition, and can I be covered?

A pre-existing condition usually means any medical condition for which medical advice, diagnosis, or treatment was/is recommended or received.

Cover will only be provided for pre-existing medical conditions that you have declared. If you fall ill from a pre-existing condition that you have not declared, you are unlikely to make a successful claim on your travel insurance.

It’s always a good idea to speak to the insurer you’re thinking of using to check whether they will include your condition on the policy, and how much it will cost.

If you’re pregnant, certain exclusions may apply if you travel after a certain point during the period of your pregnancy.

We would advise you to read the key facts policy summary and the policy wording thoroughly prior to purchasing the product, to see which exclusions and conditions may be in place. For complete peace of mind, you can also ask your insurer any questions you may have.

We offer a full list of companies who specialise in cover for pre-existing medical conditions. Please click to see our panel of insurers who provide travel insurance for pre-existing medical conditions – you’ll be asked to disclose the conditions you have.