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 in September and October 2011 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 Buys will give you the best rates for single-trip and annual worldwide policies 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 Club 65 | £25 | £25 | - | |
| Golfguard | £31 | £31 | £31 | |
| Elect Travel Platinum | £34 | £34 | £40 | |
| JLT Travel Platinum | £34 | £34 | £34 | |
| Explorer Travel Insurance Platinum | £36 | £36 | £36 | |
| Best Rates: Annual multi-trip (annual worldwide policy for a 50 year-old) | ||||
| Holidaysafe Premier | £47 | £47 | - | |
| Insurewithease Gold | £50 | £50 | £59 | |
| Topnotchcover.com Gold | £54 | - | £63 | |
| JS Insurance Standard | - | £59 | £59 | |
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
- 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
