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Home » Travel insurance » Travel insurance for pre-existing illness

Travel insurance for pre-existing illness

Pre-existing illness travel insurance covers you if you’re living with a pre-existing illness and wish to travel with peace of mind. This type of insurance covers you for medical emergencies, 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.

AllClear believes everyone has the right to travel, meaning if you have a pre-existing illness, you shouldn’t let that get in the way of seeing the world. AllClear specialise in medical travel insurance for people of any age, travelling to any destination.

If you’ve been quoted sky-high premiums because of your illness or have been refused cover completely, AllClear could help. We are able to cover people where other providers aren’t. Getting a travel insurance quote for your illness doesn’t have to be a struggle and with AllClear it’s made even simpler with our online medical screening process.

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

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

Tips on travelling with pre-existing illness

  • Medication

    If you take medication to treat your illness you’ll want to see your doctor before you travel to ensure they can prescribe you enough to last you your trip plus some extras in case of delays. Speak to your airline if you know you’ll need your medication during your flight as some airlines rules state that medication should be stored in the hold.

  • Flying

    Depending on your illness, choose a destination with a flight length which won’t overexert you or spoil your holiday. Priority boarding and aisle seats could benefit you depending on your illness.

  • EHIC

    If you’re travelling within Europe, you’ll be entitled to an EHIC (European Health Insurance Card). This will offer the same level of medical care as the residents of the country you’re visiting which could mean lower costs or even free treatment. This isn’t however a valid form of medical travel insurance and wouldn’t cover repatriation or cancellation costs so it’s vital to take out a separate policy alongside this.

  • While you’re away

    While on holiday it’s important to take the same precautions regarding your illness as you would do at home. This may be healthy eating, some gentle exercise or resting regularly, it’s important not to overexert yourself as this could end up completely ruining your trip. Mix your days up and listen to your body, if you’ve been sightseeing one day, it might be an idea to relax by the pool with a good book the next day, allowing you to take in your surroundings from one sunny spot.

    Staying safe in the sun is an important part of going on holiday, taking regular breaks from the sun and sitting in the shade is recommended for people of all ages and illnesses. Wearing sun cream and staying hydrated will also ensure you stay safe in the sun.

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.

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[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.