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Why should you buy travel insurance with medical conditions?
With medical travel insurance you’re covered if you have medical conditions and wish to travel with peace of mind. Travel insurance with medical conditions covers you for medical emergencies while you’re on holiday, as well as cancellation costs before you leave. This is vital to prevent any unexpected medical bills or unnecessary complications on your trip. In a recent survey, 40% of customers told us that travel insurance is even more important to them since the Coronavirus pandemic.
If you choose our comprehensive travel medical insurance, you will be reassured that:
- You are covered for emergency medical care up to £15 million – including for your medical conditions and COVID-19
- You will have access to 24-hour medical emergency assistance
- You’ll be covered in almost every country in the world
- You can claim for lost baggage (normally up to £3K)
- You can claim if you need to cancel your holiday because of your medical condition (normally up to £5K)
- You can claim for hospital inconvenience benefits when you’re treated abroad as an in-patient
WITHOUT comprehensive medical travel insurance:
- You could be liable for very large health costs. Claims for emergency medical assistance in some areas of Europe can exceed £250,000
- You’ll have to pay for transport home in case of an emergency. For an air ambulance from USA, for example, would cost you £80K to £100K
- You won’t be covered for other problems you may have while travelling – including lost luggage and cutting short your trip (curtailment).
Coranavirus Travel Insurance when travelling with medical conditions
Since the Coronavirus pandemic, quality travel insurance when you are travelling with medical conditions has become even more important. In our Annual Travel Survey, 36% of you said that having the best possible travel insurance that would fully cover you for COVID-19 risks was now a top priority.
At AllClear, we offer enhanced Coronavirus travel insurance which covers you for medical emergency expenses and cancellation if you contract the virus.
50% of those surveyed had a holiday cancelled in 2020 because of COVID-related factors.

What’s a pre-existing medical condition?
A pre-existing medical condition is any illness or injury you’ve experienced symptoms, treatment, investigations, surgery, or medical appointments for within the last two years. These include diabetes, COPD, heart disease or cancer. Declaring all pre-existing conditions on your policy can help to avoid unwanted medical bills should you require treatment when abroad.
1
Any condition for which you have received treatment, including:
– Respiratory problems (relating to the lungs or breathing),
– Any heart, kidney, liver, circulatory or brain disease, or damage,
– Major psychological or mental health problems, including anxiety and depression,
– Strokes or central nervous system disorders,
– Malignant lesion (cancerous),
– Terminal illnesses.
2
Any medical condition for which you have undergone surgery, in or out-patient treatment, tests or investigations in a hospital, clinic or GP surgery within the last 5 years.
3
Any condition for which you have been prescribed medication in the last 5 years.
You can choose to report your pre-existing medical condition to us through our health screening process online or over the phone, whichever you prefer. The screening process is a set of simple questions that allow us to determine the likelihood of you needing medical assistance while abroad and the potential associated costs.
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Frequently Asked Questions
How is the cost of medical cover travel insurance calculated?
A number of factors are considered when calculating premiums. These include:
- the destination to which you are travelling (for example, Spain, the United States and Canada are among the more expensive countries in which to receive medical treatment)
- the duration of your trip
- the type and severity of your medical conditions
- your age and the level of benefits being offered to you
- quote premiums may vary by provider because they may offer different levels of cover, excesses and upgrades
What is the medical screening process?
The medical screening process is a sequence of questions relating to your medical condition(s) that you’re required to answer for your travel insurance quote. You’ll be required to complete the medical screening process when obtaining a quote via our website or over the telephone when purchasing via our contact centres.
How to make sure you are ‘fit to travel’?
You don’t need to provide us with a certificate from your doctor, but you will need to confirm you’re fit to travel at the time of getting a quote or purchasing a policy. If you need to make a claim, you may require a letter from your doctor confirming that you were fit to travel at the time you purchased your policy, and the date when you were declared unfit to travel.
What do I need to do about my prescription medication?
We suggest you carry extra supplies in case you are delayed abroad. Subject to airline restrictions, ideally carry your medication in your hand luggage and not in checked-in bags. Also, it’s useful to travel with a copy of your prescription and/or the names of your medications. Always check that your medications are not prohibited in the destination to which you are travelling.
What is Medical Emergency Assistance?
In the event of a medical emergency the emergency medical assistance company will liaise with the hospital and medical professionals during your treatment and, if needed, will arrange for your return home. All our providers offer 24 hour medical emergency assistance.
Can I get travel insurance with pre-existing medical conditions?
Many travel insurance providers do not cover pre-existing conditions. AllClear can cover many conditions such as cancer, COPD, diabetes and stroke. We specialise in travel insurance for the over 50s with pre-existing medical conditions and can tailor cover to your needs.
Travel insurance and the EHIC
With the European Health Insurance Card (EHIC) you will receive treatment in any of the EU’s 28 states as a local citizen. However, this is based on treatments received in public, not private hospitals. The EHIC isn’t a substitute for travel insurance. It doesn’t cover you for:
- The costs of rescue and repatriation (an air ambulance from Spain back to the UK costs upwards of £10,000)
- Lost or stolen property such as passports, baggage or precious items.
- Losses from trip cancellation, curtailment and interruption
- Extra travel and accommodation costs due to illness
- Any medical coverage outside of the EU
- Check the expiry date on your EHIC card before you travel.
What 5 things do you need to know about healthcare at your destination?
A benefit of comprehensive travel insurance is the peace of mind that should the unthinkable happen, your medical treatment will be taken care of. However, the quality of care is only as good as the medical infrastructure of the country you are visiting. This in many cases can present a challenge. There are huge variations in the level of healthcare offered around the world which you may wish to consider when planning your trip. Consider the following:
- What is the availability and affordability of private healthcare?
- Does the country offer a free healthcare system?
- Is English widely spoken in hospitals?
- Are there any specific health risks or diseases associated with the destination? If so, what vaccinations are required?
On the Foreign & Commonwealth Office website you can find useful, country-specific advice on healthcare standards and general safety issues. You can find more country-specific information on the NHS Fit For Travel website too.
What is your ‘Before you Buy’ checklist?
We suggest you consider the following when looking for travel insurance:
- personal possessions cover
- the baggage cover limits
- whether you’ll carry a relatively large amount of foreign currency
- the personal property cover offered and specifically the cover limits for cash
- whether you will do any winter sports, for which additional premium will be required
- check the cancellation cover is sufficient to cover the cost of your holiday. Remember you may also be required to pay an excess in the event of you having to cancel your trip and make a claim
Why buy AllClear medical travel insurance?
It’s important that you’re happy with your level of medical holiday insurance, especially if you’re anxious about any pre-existing medical conditions. AllClear offers you peace of mind when you’re travelling. It’s travel medical insurance you can rely on, with emergency medical treatment if you need it and, if required, getting you safely home too. It’s valuable cover, and it can be purchased as single trip or annual multi-trip travel insurance.
What is Covered?
Before you take out a policy with us, it’s worth thinking about any optional extras that you might want.
Please note, not all Optional Extras are available on all products.
Also, you can buy Cruise Travel Insurance products. This provides additional cover for your Cruise holiday.
This includes cruise specific cover such as Missed port departure, cabin confinement, unused excursions and cruise interruption.
Why More Than 3 Million People Have Chosen AllClear
This table shows how AllClear Travel Insurance compares to other providers | AllClear | Staysure | Avanti | Saga |
---|---|---|---|---|
Trust | ||||
5-star Trustpilot reviews | 82% | 77% | 77% | 71% |
TrustScore | 4.8 | 4.7 | 4.7 | 4.6 |
5-star Defaqto rated | ||||
Good Housekeeping endorsement | ||||
Established for 20+ years | ||||
Product | ||||
Maximum cancellation cover | £25k | £15k | £7.5k | £10k |
Minimum standard excess | £0 | £65 | £0 | £70 |
Baggage delay benefit after 12 hours | £250 | £0 | £75 | £250 |
Number of product choices | 4 | 2 | 3 | 1 |
No age limits | ||||
Travel companion cover | ||||
Terminal conditions cover | ||||
Cancellations | ||||
Admin fee for cancelling during the cooling off period | £0 | £25 | £25 | £0 |
Refund provided outside of cooling off period | ||||
Claims | ||||
Claims paid within 5 working days | 100% | 95% | N/A | N/A |
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Undiagnosed conditions and getting cover
Your condition is undiagnosed, can you still get cover?
We need to know the name of your medical condition, so if you have an undiagnosed condition you’ll need to wait until your GP or consultant has given you a diagnosis. Once you’ve received a diagnosis you can proceed to get a quote. Your GP or healthcare provider may be able to help you if you have a currently undiagnosed condition.
Waiting for a diagnosis before getting a quote
Should you wait for a diagnosis before getting a medical travel insurance quote?
Yes, you should wait for a diagnosis before getting a medical travel insurance quote. We’re unable to provide medical travel insurance cover unless all conditions/symptoms are diagnosed. If you’re waiting for a diagnosis, then please come back to us once you have one.
Waiting on test results before your quote
If your test is part of a routine check-up, on a previously diagnosed medical condition, you can get a quote. A medical condition is regarded as undiagnosed when the cause of symptoms is unknown. Please note, if you are unsure about the purpose of your test, it is best to confirm with your doctor.
Waiting on the results of an investigation before your quote
How do you declare that you’re waiting the results of an investigation?
If you have an undiagnosed condition or symptoms that you are waiting to be investigated, then, unfortunately, we would be unable to provide cover until you have a confirmed diagnosis. Once you have a diagnosis, you can come back to us and get a quote.
Excluding your undiagnosed condition
Can you exclude your undiagnosed condition?
As we are a medical travel insurance specialist, you must declare ALL medical conditions. That means, unfortunately, we’re unable to exclude any undiagnosed conditions from your cover.
Once you have a diagnosis you will be able to complete the medical screening process and get a quote.
Common questions about undiagnosed conditions
All your tests/scans were negative; what do you need to declare?
If the purpose of the tests and / or scans were only to investigate the possibility of a new medical condition, for which your results have confirmed you do not have, then there is nothing you need to declare.
However, please note that if the investigation was in relation to an existing and diagnosed medical condition, you may be asked about having tests or hospital visits for said medical condition, during the Medical section of your quote.
If your doctor was unsure of the diagnosis and you have no further tests planned, but you received treatment for the medical condition they suspected it to be, we will need to declare this medical condition.
How do you declare your symptoms?
You need to declare your medical condition rather than the symptoms that are presented as a result of it.
If you do not know what the condition is, then, unfortunately, it’s classed as undiagnosed and we cannot provide cover at this time.
Once you have a diagnosis, you can come back to get a quote.
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