Travel insurance: Medical conditions travel insurance

If you've been ill in the past, or you have any chronic conditions. getting travel insurance can be tricky. Mainstream insurers may charge a large premium to cover you and others may exclude your conditions entirely.  

However, there are specialists who can help. Our Best Rate table can help you find appropriate cover at a reasonable price.

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. 

Best rate cover for pre-existing medical conditions
ProviderHigh blood pressureaDiabetesbBreast cancercHeart diseased
Best rates: Single trip (15 day trip to Europe for a 70 year old)
Blue Bear Travel Gold---£57
Boots Silver£43£43£42£95
Covered2Go Gold---£57
Explorer Platinum£42£42--
Get Going Travel Premier£38£38£38£67
Holidaysafe Premier£24£24£24£68
Insurancewith Sapphire£39£39£39£72
LV Premier£50-£76-
Nowicantravel Premier--£65-
Sheilas' Wheels Single Trip-£52--
Best rates: Annual multi trip (worldwide policy for a 50 year old)
AA Annual Multitrip--£118-
Blue Bear Travel Gold---£120
Boots Silver£71£71£71£131
Covered2Go Gold---£124
Explorer Platinum£76£76--
Holidaysafe Premier£44£77£44£110
Insurancewith Sapphire--£81£131
Nowicantravel Premier£74£74£74£144
Topnotchcover Gold£69£69--
Yourtravelcover Gold£73£73£134-

Table Notes:
a. Has had high blood pressure for two to three years and takes ramipril once a day. A non-smoker with normal cholesterol levels b. Has type 2 diabetes and takes medication before each meal c. Diagnosed with breast cancer 18 months ago. Had a mastectomy and then chemotherapy and radiotherapy. And takes one Arimadix tablet daily. d. 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 April 2016. 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 Nov 2016.


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