Travel insurance Cover for those with medical conditions

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
ProviderHigh blood pressure aDiabetes bBreast cancer cHeart disease d
Best Rates: Single-trip (15-day trip to Europe for a 70 year-old)
Axa Premier---£52
Bengo Travel Optimum--£81-
Blue Bear Travel Gold£25£30-£69
Covered2go Gold£24£30-£67
Explorer Travel Insurance Platinum£35£35--
Holidaysafe Premier£24£24-£71
Insurancewith Platinum--£108-
Insurancewith in partnership with Boots UK Silver--£108-
Insuredtotravel Platinum-£35--
Letsgoinsure Travellers Choice£26-£98-
Marks and Spencer Bank--£96£65
Best Rates: Annual multi-trip (annual worldwide policy for a 50 year-old)
Bengo Travel Optimum--£102-
Biba Protect---£128
Blue Bear Travel Gold-£62£94£157
Covered2go Gold-£63£93£155
GoSure Premium Plus£64---
Holidaysafe Premier-£55-£115e
Insurancewith in partnership with Boots UK Silver--£103f-
Insurancewith Sapphire--£126g-
Insuredtotravel Platinum---£157
Insurewithease Gold£57£57--
Leisurecare Multi Traveller£33---
Letsgoinsure Travellers Choice£47---

Table notes

  1. Has had high blood pressure for two to three years and takes ramipril once a day. A non-smoker with normal cholesterol levels
  2. Has type 2 diabetes and takes medication before each meal
  3. Diagnosed with breast cancer 18 months ago. Had a mastectomy and then chemotherapy and radiotherapy. And takes one Arimadix tablet daily.
  4. 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
  5. Holidaysafe's Premier Platinum policy also covers for heart disease at £189
  6. Insurancewith in partnership with Boots UK Gold policy also covers for breast cancer at £248
  7. Insurancewith's Platinum policy also covers for breast cancer at £210

The premiums above are illustrations only and will vary depending on your individual medical conditions.

Premiums were gathered during September 2014. 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 1st May 2015.

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