Travel insurance: Cover for those with medical conditions
Best rate travel insurance for those with specific medical conditions
Buying travel insurance can be simple if you are in good health but it becomes much more difficult if you have health problems. Travellers with medical conditions are deemed to be more of a risk so buying cover can be more expensive and, depending on your risk, very tricky to obtain.
Which? analysed the travel insurance market to find the best rates for those potential travellers with specific pre-existing medical conditions.
Below are the best rates for travellers with high blood pressure, diabetes, breast cancer or heart disease.
|Cover including pre-existing medical conditions|
|Provider||High blood pressure a||Diabetes b||Breast cancer c||Heart disease d|
|Best Rates: Single-trip (15-day trip to Europe for a 70 year-old)|
|Blue Bear Travel Gold||£29||£29||-||£62|
|Get Going Travel Premier||£35||-||£62||£62|
|Letsgoinsure Travellers Choice||£29||-||-||-|
|Travel Insurance Saver Prime||-||£35||-||-|
|Best Rates: Annual multi-trip (annual worldwide policy for a 50 year-old)|
|Blue Bear Travel Gold||£58||£58||-||£126|
|Leisurecare Multi Traveller||£33||£63||-||-|
|Letsgoinsure Travellers Choice||£44||£74||-||-|
- Has had high blood pressure for two to three years and takes ramipril once a day. A non-smoker with normal cholesterol levels
- Has type 2 diabetes and takes medication before each meal
- Diagnosed with breast cancer 18 months ago. Had a mastectomy and then chemotherapy and radiotherapy. And takes one Arimadix tablet daily.
- Suffered a heart attack 2 years ago, but now fit to travel. Take the following medication - Aspirin, Beta blocker (acebutolol), Ace inhibitor (metoprolol), Statin (Fluvastatin), GTN spray as and when required
The premiums above are illustrations only and will vary depending on your individual medical conditions.
Premiums were gathered during September 2015. It's worth checking with the insurer as there is a possibility the premiums have changed. This information is updated on a six-monthly basis - next update is due in May 2016.
Go further: Travel insurance for medical conditions
The policies included still had to meet our minimum criteria - at least £2 million (Europe) or £5 million (Worldwide) worth of medical cover (including air ambulance), at least £1,500 of cover for baggage or personal belongings, and cover for lost or stolen money, £3,000 for cancellation and curtailment, a minimum of £1 million of personal liability cover, a 24-hour emergency helpline that you can call for advice and help and cover for legal expenses.
Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.