from £3.16 per month in December 20231
We specialise in providing Travel Insurance with medical conditions.
You can get Travel Insurance with medical conditions if you buy cover from a specialist Travel Insurance provider like AllClear. Some policies will only cover you for medical issues due to accidents and emergencies unrelated to any pre-existing conditions. So if you’ve had a hospital appointment, visited a GP or taken any medication in the last two years, you’ll need specialist Travel Insurance for your medical conditions.
What is medical travel insurance, and why do you need it?
You can still get Travel Insurance if you’re living with medical conditions, but you’ll need a specialist policy.
Standard Travel Insurance excludes cover for your existing medical conditions.
Specialist Medical Travel Insurance covers you for all the medical conditions you declare.
What would your specialist medical Travel Insurance policy cover?
As well as covering cancellation and baggage, a specialist policy covers medical expenses, including if you need medical treatment for your existing medical conditions while you’re away.
Which medical conditions do you need to declare for your Travel Insurance?
A medical condition is anything you’re having treatment for or are taking medication for.
All Clear is a specialist medical Travel Insurance provider.
We have covered more than 1,300 different medical conditions.
If you don’t declare your medical conditions, your policy could be voided.
Without Medical Travel Insurance, medical costs abroad can be very expensive.
Example costs of treatment for heart attack.
Spain – £45,000.
Thailand – £75,000
USA – £362, 000
How do you get quotes for Travel Insurance with medical conditions?
You can get quotes for Medical Travel insurance with AllClear.
Just pop in a few details about your trip and answer the screening questions.
A set of simple questions that we ask about your medical conditions to individualise your policy.
We may ask what treatment you’re having or your prescribed medication. Don’t worry, we don’t need to know the specific names of any medication.
Once you’ve sorted your Medical Travel Insurance, you can focus on enjoying your holiday. All medical conditions. All ages. All destinations.
Get a quote at AllClearTravel.co.uk or call 0800 640 4839
Emergency medical treatment abroad can cost more than you think. That’s why medical cover should be your number one priority when looking for Travel Insurance.
It covers emergency medical costs including hospital charges and ambulance fees. It also covers repatriation (medical transport back home) if needed.
Cover for your pre-existing conditions while abroad. AllClear cover for emergency treatment up to £15 million, including treatment for ongoing medical issues.
Cover for cancellation due to a pre-existing medical condition. You can also be covered for up to £15K if you need to cancel your holiday because of your medical condition, or a complication related to it.
Repatriation costs, if medically necessary. According to FCDO figures, if you were to fall over in Spain and require treatment for a broken leg, you would be looking at costs of around £15,000. Even minor ailments such as an infection or stomach bug in the USA could cost you £100, 000 if you require flights home.
Peace of mind. While you’re away, you’ll have access to 24-hour medical emergency assistance, so you can travel with confidence, knowing we’ll be there just in case.
With a standard policy, you would need to pay for costs incurred due to your pre-existing conditions, which can easily reach thousands of pounds very quickly.
According to FCDO figures, if you were to fall over in Spain and require treatment for a broken leg, you would be looking at costs of around £15,000. Even minor ailments such as an infection or stomach bug in the USA could cost you £100, 000 if you require flights home.
Clinical Nurse Specialist, Kay Greveson explains more: “People often do not realise the cost of medical emergencies abroad. It’s natural that people believe it won’t happen to them, but even the most well-managed conditions need to be covered, in case the unexpected happens.”
In our 2023 Annual Survey, over 84% of you said you’d be travelling with one or more medical conditions4, making comprehensive cover essential.
With over 110,000 reviews on Trustpilot, it’s easy to see what our customers think about AllClear.
Sheila has been with AllClear since 2015. When the couple visited their holiday home in Portugal, her husband was taken ill, she found out the true importance of having Specialist Medical Travel Insurance.
“When my husband fell seriously ill, he was suddenly taken to hospital in Portugal so you can imagine how traumatised I was. I rang AllClear and they were absolutely fantastic. They arranged for the air ambulance to come and collect him, the doctor and nurse came to the hospital to meet us and they actually escorted him all the way home to Newcastle, even taking him into the hospital to make sure everything was OK. It was amazing and meant so much to me.”
A pre-existing medical condition is any illness or injury you have before you buy your Travel Insurance. It could be an ongoing condition, or one you have been treated for in the past. As part of the quote process, we’ll guide you through any relevant questions that may apply and help you ensure you’re covered if you need treatment abroad.
Diabetes: More than 4 million people in the UK are living with diabetes, which can mean some extra consideration is needed when planning your trip.
Heart conditions: Such as heart disease, heart attack and atrial fibrillation are common and vary in severity, which can impact on how you travel with the condition.
Circulatory conditions: Issues with blood flow such as stroke, high blood pressure which are still important to declare when quoting for your Travel Insurance. Even a well-managed condition at home, can affect you differently when abroad.
Respiratory conditions: Conditions which impact breathing such as asthma, or COPD can mean travelling with specific medication.
Chronic conditions: There are conditions which can have long-term health impacts on health such as cancer, epilepsy, multiple sclerosis, disability, Crohn’s disease
Bone and joint conditions: Issues affecting your bones or joints like arthritis, back problems or osteoporosis can affect how you plan your holiday.
Other conditions: AllClear cover a wide range of other conditions, including mental health issues, after-surgery, undiagnosed conditions, gallstones
“People often underestimate just how important it is to let us know about their medical conditions. Even if something is minor and controlled at home, changes in climate can affect it. Declaring all your pre-existing conditions helps make sure you have the right cover. With comprehensive cover you can travel with peace of mind, even if the unexpected happens while you’re away.”
Letitia Smith MSc, Travel Insurance expert
As part of the quote process, we ask you to declare all of your conditions as part of our medical screening for Travel Insurance. But you may wonder if there are any conditions you don’t need to declare.
If you’ve had a cold or flu, but didn’t need to see a doctor or take any prescribed medication, then you don’t need to tell us about it. We also don’t need to know about a complication-free pregnancy or any contraception prescriptions.
Travel Insurance offers financial protection for specific problems you might face on holiday. The medical section of your policy covers the cost of medical care if you become ill or have an accident.
The GHIC has replaced the European Health Insurance Card (EHIC). This card means you’ll receive emergency and necessary state healthcare in EU countries as though you were a local citizen.
However, the GHIC isn’t a substitute for Travel Insurance. It doesn’t cover you for:
SWIPE TO COMPARE POLICIES
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
Travel insurance looks after you when abroad (and before you go) provides assistance in case of unforeseen emergencies However, certain types of claims may not be covered. You should review your policy document carefully before you travel. This will help you to know what benefits you have, and what exclusions apply.
Examples of situations where you may not be covered:
Travelling against the advice of a medical professional
If you choose not to travel
If you have not declared a pre-existing medical condition
If you are travelling specifically to receive medical treatment abroad.
Insurance for medical conditions doesn’t have to be hard to buy. If you have serious health conditions you can get specialist insurance from AllClear.
Call us or go online for a quote. As a specialist, AllClear can cover all pre-existing conditions.
Tell us about your condition. As part of the quote process, we’ll run through a medical screening, and ask you some questions about your conditions.
Select your level of cover. Once you’ve completed the medical screening process, you’ll be able to choose the level of cover which best suits your needs.
If you’re concerned about the cost, there are some steps you can take to get cheaper Travel Insurance.
Consider arranging a shorter trip.
Consider choosing a destination with lower medical costs. Coverage tends to be pricier when traveling to countries with high private healthcare expenses.
If you plan to travel two or more times within a year, an annual policy is typically more cost-effective than securing coverage for each trip.
The length of your trip and the cost of medical treatment in the country you plan to visit can affect the costs of medical cover. For example, a week’s trip to Milan will be cheaper to cover than a two-week holiday in New York City.
One thing you should never do is to declare your medical conditions inaccurately. Doing so may reduce the policy premium, but you would invalidate your cover and leave yourself responsible for all the costs incurred in the event of a claim.
A standard Travel Insurance policy is only designed to cover accidents and emergencies rather than elective treatment or continuing treatment of chronic conditions. Both types of cover are available for single trips and as Annual Multi-Trip Insurance.
We consider a number of factors when calculating the premium (price of the policy).
These include the destination you’re travelling to. Spain, the United States and Canada are among the more expensive countries for medical expenses.
Other factors are: the length of your trip; the type and severity of your medical conditions; your age and the level of benefits being offered to you. At AllClear, we offer Senior Travel Insurance, so that you can have comprehensive cover at any age, no matter your conditions. So, if you’re looking for Travel Insurance for over 70s or over 60s we can help you!
Medical care abroad can be very expensive. A stomach bug treated in a hospital in the USA with return flights home could cost around £100k.
At AllClear, a medical holiday insurance policy offers up to £15 million of cover for emergencies and repatriation.
No. Our policies have no upper age limit, whatever your health conditions. Only our optional winter sports cover is limited to those 65 or under.
You’ll need to answer a series of questions relating to your condition(s) when completing your Insurance quote. You can do this via our website or over the telephone. These conditions may incur an additional premium.
Some of the questions we might ask will be about your:
Treatment or surgery
Recent hospital admissions
If you need to make a claim, you may need a letter from your doctor confirming that you were fit to travel at the time you bought your policy, and the date when you were declared unfit to travel.
We need to know the name of your medical condition. If you have a currently undiagnosed condition you’ll need to wait until your GP or consultant has given you a diagnosis. Then you can get a quote.
We suggest you carry extra supplies in case you’re delayed abroad. Subject to airline restrictions, carry your medication in your hand luggage and not in checked-in bags.
Also, it’s useful to travel with a copy of your prescriptions. Always check that your medications are not prohibited in the destination you’re travelling to.
“Everyone has the right to travel and living with medical conditions shouldn’t stop you from enjoying your holiday. It does help to be prepared and make sure you have comprehensive Medical Travel Insurance. That way, you can travel with peace of mind, knowing you’re covered if the unexpected happens and you need emergency medical assistance while you’re away. It means there will be a 24 hour helpline to help you through a difficult situation.”
Explore our helpful guides for tips to ensure you remember everything you need when travelling to one of the below destinations
Whether you’re planning a skiing holiday or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip.
Written by: Letitia Smith | Travel Insurance ExpertLast Updated: 7 December 2023
Reviewed by Kay Greveson, Clinical nurse specialist and Chair of IBD Passport charity. Kay is a qualified independent nurse prescriber and has been an IBD specialist nurse since 2005. Kay’s research interests include travel health and IBD.
1 - £3.16 per month for a 50 year old with high blood pressure choosing an AllClear Gold exc cancellation annual multi-trip policy to Europe. Price is correct as at 01/12/23.2 - From 100,000+ Trustpilot reviews as of January 2023.3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.4 - AllClear Annual Survey. January 2023. 3,901 responses.
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