Travel insurance Cover for those with medical conditions
Shop around if you've a medical condition as there is a wide range of rates
Best rate travel insurance for those with specific medical conditions
Which? analysed the travel insurance market to find the best rates for those potential travellers with specific pre-existing medical conditions.
Our scenarios covered a 70-year-old traveller going to Europe for 15 days and a 50-year-old traveller taking out an annual worldwide multi-trip policy. The scenarios concerned travellers with high blood pressure, diabetes and a slipped disc.
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.
Our standard Best Rate tables will show you the best policies for single-trip and annual worldwide cover if you don't suffer from a pre-existing medical condition.
| Cover including pre-existing medical conditions | ||||
|---|---|---|---|---|
| Provider | High blood pressure a | Diabetes b | Slipped-disc c | |
| Best Rates: Single-trip (15-day trip to Europe for a 70 year-old) | ||||
| Holidaysafe Premier | £25 | £25 | - | |
| Golfguard | £31 | £31 | £31 | |
| Letsgoinsure.co.uk Travellers Choice | £32 | £32 | - | |
| Explorer Travel Insurance Platinum | £36 | £36 | £36 | |
| JLT Travel Platinum | £39 | £39 | £39 | |
| Best Rates: Annual multi-trip (annual worldwide policy for a 50 year-old) | ||||
| Holidaysafe Premier | £47 | £62 | £72 | |
| Letsgoinsure.co.uk Travellers Choice | £48 | £48 | - | |
| Insurewithease Gold | - | £59 | - | |
| MRL Insurance Premier | £61 | £61 | £61 | |
| Direct Travel Standard | - | - | £63 | |
Table notes
- 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 a slipped (prolapsed) disc in the lower back three months previously. Off work for six weeks
Premiums were gathered during October 2012. 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 2013.
- Call our experts on the Which? Money Helpline for travel insurance information to suit your needs
- Going to Europe? Find out the European Health Insurance Card essentials
- Is your holiday at risk? Find out in our guide to holiday protection
