Compare travel insurance for pre-existing medical conditions
- Tailored policies with up to unlimited medical cover
- Medical emergency cover
- Repatriation cover to bring you home if medically necessary
Why choose PayingTooMuch?
We specialise in travel insurance, so you don’t have to
Cover for pre-existing medical conditions, whatever your age
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What is a pre-existing medical condition?
A pre-existing medical condition is an illness or health issue you had before buying your policy. That includes any conditions you’ve been diagnosed with, experienced symptoms of or received treatment for.
You won’t find travel insurance for medical conditions everywhere as not all insurance providers offer it.
But with PayingTooMuch you can find and compare medical-specific policies, whether you’re interested in cruising in the Mediterranean or country hopping in Asia.
What pre-existing medical conditions can I get cover for?
Here are some of the most common pre-existing conditions we can help you get cover for – as long as they’ve been declared and assessed.
- cancer – cover for people living with cancer so you can explore the world on your own terms
- diabetes – compare policies that take into account your type of diabetes and how it’s managed
- epilepsy – epilepsy travel insurance can support you whether you’re managing medication or living with seizures
- circulatory and heart conditions – such as high blood pressure, raised cholesterol, angina, chest pain(s), heart attack or any other diagnosed heart issue
- stroke-related conditions – including stroke, transient ischaemic attack (mini-stroke) or brain haemorrhage
What should your travel insurance cover?
Comparing with PayingTooMuch is a great way to find the right travel insurance for medical conditions. It can also help you save money and time by only paying for the cover you actually need. A flexible policy should include:
- cover for pre-existing medical conditions – as long as you’ve declared them
- trip cancellation – if you’re stranded or unable to travel
- medical emergencies – for unexpected illness or injury abroad
- repatriation – if you need to be brought back to the UK
- lost luggage – to recover your belongings or replace essentials
- passport and money protection – if your passport is lost or money is stolen
- travel disruption – if you're affected by strikes, natural disasters or severe delays
- personal liability – if you're held responsible for injury or damage to others
How much does medical travel insurance cost?
The price of travel insurance varies as it’s based on several factors, including:
- age – older travellers are more likely to make a claim
- pre-existing medical conditions – your medical history can influence the cost
- length of stay – longer trips mean more potential risk of claims
- destination – some countries have higher medical costs
- type of policy – choose between single trip and annual multi-trip cover
- type of cover you choose – speciality policies for a cruise or ski trip can bump up the price
Travel insurance whatever your age
Policy prices for medical travel insurance vary for a lot of reasons, age being one of them. That’s because older travellers are likely to make a claim or have pre-existing medical conditions. Our specialist travel insurance comparison site helps you find:
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