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Which medical conditions affect Travel Insurance?

Travel Insurance is an essential means of travelling safely. Many countries have begun making it a mandatory rule for entry. Following the pandemic, countries such as; Singapore and Thailand have made it a requirement for visitors. It can be easily obtained from several Travel Insurance providers.

However, if you live with a pre-existing medical condition, you may have a few more questions when it comes to buying travel insurance. Before choosing a Travel Insurance policy, it’s essential to know:

  • which medical conditions affect travel insurance
  • which conditions to declare
  • what’s involved in the screening process

How do medical conditions affect Travel Insurance?

All pre-existing medical conditions affect Travel Insurance. The conditions you have will affect the price of your chosen Travel Insurance and which provider you can purchase from.
The premium you pay is based on the risk of each medical condition on an individual basis. Unfortunately, not all providers can cover the risk of certain medical conditions. Therefore you may need Specialist Medical Travel Insurance. For instance, if you live with a particular disease, illness diagnosis or condition.

How do medical conditions affect the cost of Travel Insurance?

The price of travel insurance is based on several factors, including:

  • Medical conditions
  • Destination
  • Age

Those with certain medical conditions will be at a higher risk of experiencing a medical emergency when travelling. Treatment varies in cost and differs depending on destination. For example, a broken leg in the USA costs £3,363. In comparison, the average hospital stay cost for a stroke patient ranges from $20,396 to $43,652 in the USA. Therefore someone that has previously experienced a stroke may have a higher premium to cover the risk. After all, there is a 23% chance of having a second stroke following the first.

Many are concerned with the rising price of Travel Insurance. However, in May, the Financial Conduct Authority said the practice of “price walking“, would be banned as of 1 January 2022. Price walking is where premiums go up as a matter, of course, year on year. Going forward your cover will only be based on personal medical history and the level of cover you choose.

Which medical conditions affect the choice of Travel Insurance?

Serious or life long conditions carry greater risk. Examples that often need Specialist Medical Travel Insurance include:

Where can you buy Specialist Medical Travel Insurance?

AllClear is a specialist medical Travel Insurance provider. Our Summer Survey found that 90%2 of our customers have at least one medical condition, with 56%2 having two or more.

So far, we’ve covered over 3.5 million people and 1300 different conditions. 99% of customers would recommend us to family and friends3.

CEO of AllClear Travel Group states: “At AllClear, we know that safety is the top priority when travelling. We want to ensure those with pre-existing medical conditions have the opportunity to travel with confidence. After all, everyone deserves peace of mind.”

If you’re struggling to find someone to cover you – we can help! Get your quote today!

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
Recuperation stay
Personal Belongings Up to £2k Up to £2.5k Up to £3k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k
* If you buy a policy which includes cancellation cover
All these figures are per person and per trip

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear
Edited by Letitia Smith, M.Sc. Content Manager at AllClear

2 Based on 166 AllClear customers surveyed in April 2021.

3 Based on 166 AllClear customers surveyed in April 2021.

Written by: Lydia Crispin | Travel Insurance Expert
Last Updated: 16 November 2023

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.