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Travel Insurance » Medical Travel Insurance » Terminal illness travel insurance

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Terminal illness travel insurance with specialist cover

Terminal illness travel insurance covers you if you are currently living with a terminal illness and wish to travel with peace of mind. This type of insurance covers you for medical emergencies, even those related to COVID-19, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are away.

Being diagnosed with a terminal illness brings new considerations. Sometimes, travelling to a particular destination can become more important. AllClear are ready to help in this circumstance. While some travel insurers exclude cover for those with a terminal diagnosis, we may able to offer a quote, providing certain criteria are met. This article will explain how you could get terminal illness travel insurance from AllClear.

When we can offer a quote

Providing a GP or Doctor has confirmed that you are fit to travel, that a transport carrier is prepared to take you and that your prognosis is not less than six months from the return date of travel.

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
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

Frequently asked questions

What is the definition for a terminal illness?

A terminal prognosis can be defined as the following: the opinion of your doctor or consultant that a disease cannot be cured or adequately treated, to the extent that it is predicted to cause a shortened life expectancy.

This prediction of a shortened life expectancy is key to the definition, as incurable medical conditions are not necessarily terminal illnesses. If you are ever unsure of your diagnosis, please contact your doctor for confirmation.

What if your life expectancy is less than 6 months past the return date of your trip?

While we are unable to offer cover in this situation, another specialist insurer may be able to help. Contact the British Insurance Broker’s Association (BIBA) on 0370 950 1790 – where they might be able to find suitable cover.

What if you're on a waiting list for treatment?

If you have been given a date for your treatment, simply declare the name of your terminal illness during the quote. You may then be asked questions about treatment, but the most important detail is declaring your diagnosis.

If you are yet to be given a date for your treatment, you have the ability to add the optional extra of Waiting List cover. Also, be sure to answer that you are on a waiting list for treatment during the initial medical warranty section.

What if the doctor has said you are unfit to travel?

Unfortunately, we are unable to go against medical advice, and would not be able to offer cover in this event.

However, if your doctor later confirms you are fit to travel again, we can seek to offer a quote.

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.

Tips for travelling with a terminal illness

  • Find out if you’re able to travel to certain destinations. You are committing valuable time, effort and finances for your holiday, so, you need to know if your destination is viable for your condition. It can depend on mode of transport, whether immunisations are required, and your treatment plan. Your doctor may be able to help where and if you should travel.
  • Check out the healthcare quality in your destination. Will you be able to get the care you need if you become unwell? This is an essential part of planning your trip. Book safe in the knowledge you’ll be looked after whatever happens. Also, make sure you have the correct emergency telephone number for your policy. You can view them here: Emergency contact numbers.
  • Plan for unforeseen loss of medication. Bring more than you need and carry them on you. Also, bring along a note from your doctor and prescriptions if you need additional medicines.
  • Let the airline know in advance if you have any special requirements. Most are supportive and will go out of their way to make your flight as comfortable as possible. From early boarding and finding a suitable seat, to special dietary needs and organising oxygen, talking to the airline will improve your flight experience.

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Written by: AllClear Team
Last Updated: 24 November 2023


[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.

About Us
Our mission is to help anyone with pre-existing medical conditions to get the insurance they want and need.
We're passionate about offering value to customers of any age, with any condition. Our heritage in travel insurance means that we help customers travel anywhere in the world.
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Gibraltar Office
AllClear Limited, Portland House Glacis Road, Gibraltar, GX11 1AA
UK Office
AllClear Insurance Services Limited, AllClear House 1 Redwing Court, Ashton Road, Romford, Essex RM3 8QQ
Australia Office
AllClear Insurance Services PTY Limited, Suite 1.04, Level 1 19 Harris Street, Pyrmont, Sydney, NSW
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AllClear Travel Insurance is arranged by AllClear Limited, which is registered in Gibraltar company number 117274. Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. AllClear Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC25393 and trades into the UK on a freedom of services basis, FCA FRN 824283. AllClear Travel Insurance is administered by AllClear Insurance Services Limited, registered in England No. 04255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ. Authorised and Regulated by the Financial Conduct Authority firm reference number 311244. AllClear is a registered trademark.