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Home » Travel insurance » What is a pre-existing medical condition for Travel Insurance purposes?

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What is a pre-existing medical condition for Travel Insurance purposes?

A pre-existing medical condition is any health condition whereby, in the last few years, you’ve:

  • Received a diagnosis
  • Received treatment or
  • Experienced symptoms

What do you do if you’re unsure?

It’s best to call your chosen Travel Insurance provider for clarification.

Do all pre-existing conditions need to be declared?

You must declare certain conditions no matter how long ago you experienced symptoms. For example, if you have experienced a stroke at any point in your lifetime, you will still need to declare this. No matter if you haven’t experienced another.

The same will apply if you live with asthma, whereby you haven’t had an attack in many years, and it is well-managed. You would still need to declare it.

It’s likely you will need specialist medical travel insurance if you have:

  • A lifelong illness
  • Chronic condition
  • Disease

Examples of pre-existing medical conditions

Medical conditions affect Travel Insurance costs and which providers you can buy from. You must declare all pre-existing medical conditions. This will ensure your chosen policy remains valid. Examples include:

How do you declare pre-existing medical conditions when buying travel insurance?

Conditions are declared during the medical screening process. During this process, you will be asked a set of questions. Quotes will be based on your medical history, age and destination you’re travelling to.

Is Covid a pre-existing medical condition for travel insurance?

Cases in the UK has risen to 16,047,716, with 94,326 new cases reported on January 25, 2022.
Luckily the current dominant strain, omicron, is less serve. Resulting in the easing of restrictions and the freedom to travel more widely.

Steve Heapy, chief executive of Jet2.com, has noted that the company has seen an increase in demand for holidays and flights across all seasons. He said: “… particularly February half term, the Easter holidays and summer 2022.

While this is excellent news, you should look for Travel Insurance that includes Covid cover. Covid cover will protect you and your trip. At AllClear, we include Superior2 rated Covid cover for FREE with all AllClear branded policies.

If you have had Covid – you don’t need to declare it as a pre-existing medical condition when buying Travel Insurance. Unless you have experienced complications, experienced a hospital stay, or developed Long Covid.

If you have any other questions about coronavirus and travel insurance – visit our Coronavirus help centre.

Does pregnancy count as a pre-existing condition?

Pregnancy isn’t usually categorised as a pre-existing medical condition. If you have experienced complications – you will need to declare them. Insurers will only usually insure you up to 37 weeks.

How to find travel insurance if you have medical conditions

Looking for Specialist Medical Travel Insurance? AllClear can help! This type of travel insurance will provide you with peace of mind if you have medical conditions.

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

Planning and protecting your holiday abroad

Things to know before you go:
  • Remember to check the latest travel advice from the FCDO for your destination. You will have no cover if you choose to travel against FCDO advice, unless that advice relates specifically to Covid-19 (check our Covid FAQs  for more details)
  • Check any entry requirements and quarantine requirements for your chosen destination
  • Choose a Travel Insurance policy that includes Covid-19 Cover
  • For information on how Covid might affect your trip, visit our dedicated FAQs page

Author notes

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

2 Covid cover rated Superior by a leading Independent UK Consumer Champion.

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of January 2022.

^Discount applies to the base price of AllClear branded travel insurance policies purchased through our Call Center only and does not apply to any premium generated to cover medical conditions or optional extras. This discount cannot be used in conjunction with any other offer.