Medical Conditions Travel Insurance

JS Travel Insurance can provide cover for pre-existing medical conditions. Buying a travel insurance policy that covers your conditions may be challenging if you have a medical condition.

We have several Providers who will cover most pre-existing medical conditions. This allows us to find a policy which best suits your demands and needs at the lowest premium available and includes your medical history. 

To contact us by telephone, 0800 043 0020 / 01273 092 757.

• Levels of Cover
• Travelling with Medical Conditions
• Accepted Medical Conditions
• Excluding Pre Existing Medical Conditions
• Awaiting Medical Treatment or Investigation
• Why Premiums May Increase
• Medical Screening FAQs
• Medical Conditions That Need to be Declared
• Global Health Insurance Card
• Useful Websites

*Excess payables vary depending on the claim benefit.

Goodtogoinsurance.com provides this Medical Conditions Travel Insurance. Goodtogoinsurance.com is a trading name of Ancile Insurance Group Limited, Registered Address: Kao Hockham Building, Edinburgh Way, Harlow, Essex, CM20 2NQ. Authorised and regulated by the Financial Conduct Authority - No. 471641.

• Before booking your trip, it is crucial to consult with your doctor. Discuss your travel plans and get their clearance to travel, especially if you have a pre-existing medical condition. They can advise you of any potential risks associated with your destination and activities and recommend managing your condition whilst travelling.
• Travel Insurance is essential for everyone, especially if you have a medical condition. Make sure the policy that you purchase explicitly covers the condition and any potential and any potential emergencies you might encounter whilst travelling.
• Pack enough medication for the entire trip and consider bringing some extra in case of delays. Keep your medication in its original packaging and carry a doctor's note explaining your condition and the necessity of the medication.
• Research the availability and quality of medical facilities at your destination. Knowing where hospitals and clinics are located and if they cater for English-speaking patients will provide peace of mind.
• If you require any assistance or medical equipment, such as oxygen or mobility aids, you must let the airline know beforehand.
• Be prepared for delays and flight cancellations. Consider having a medical information card in your wallet outlining your medical conditions, allergies and emergency contact information.
• Stay informed about travel advice or health alerts for your destination. This will help you stay knowledgeable about potential health risks and take necessary precautions.

The below conditions are covered as standard provided that, in the last 12 months, you have not been referred to a specialist due to worsening or destabilisation of the condition; you have never had any hospital admissions with the condition; you are not on a waiting list for treatment or surgery for the conditions; you are not awaiting the results of any tests or investigations about the condition; and you have not received a terminal prognosis.

• Acid Reflux
• Acne
• ADHD (providing you have not cancelled or curtailed a trip in the last five years)
• Allergies (limited to rhinitis, chronic sinusitis, eczema, food intolerance and hay fever)
• Anxiety (provided the condition has been diagnosed and you are undergoing treatment or taking prescribed medication for it; and has not caused a trip cancellation or curtailment in the last 5 years)
• Asthma (providing it was diagnosed before the age of 50, and the insured person is taking/using no more than two medications/inhalers)
• Autism (provided the condition has not caused a trip cancellation or curtailment in the last 5 years)
• Bell's Palsy
• Benign Positional Vertigo
• Cataracts
• Coeliac Disease
• Corneal Graft
• Cystitis (provided it has not resulted in any kidney infections and you have had less than three infections in the last 12 months)
• Depression (provided the condition has been diagnosed and you are undergoing treatment or taking prescribed medication for it; and has not caused a trip cancellation or curtailment in the last 5 years)
• Diabetes (providing there have been no complications such as impaired kidney function, heart disease, peripheral vascular disease, leg or foot ulcer, retinal damage, nerve damage, leg or foot amputation or liver damage)
• Dry Eyes Syndrome
• Eczema (provided no hospital visits in the last 12 months)
• Enlarged Prostate (benign only and provided it has not resulted in any bladder, kidney or urinary tract infection/problems)
• Essential Tremor
• Folate Deficiency
• Fungal Nail Infection
• Gallbladder Removal (provided there were no complications and no ongoing treatment)
• Gastric Reflux
• Glaucoma
• Gout
• Hay Fever
• Hiatus Hernia
• High Blood Pressure / Hypertension (provided it was diagnosed more than six months ago, there have been no changes to medication in the last six months, you take less than two medications and do not have high Cholesterol)
• High Cholesterol (provided you do not also have high blood pressure)
• Hormone Replacement Therapy
• Hypotension/Low Blood Pressure (provided it is not associated with any underlying condition)
• Impetigo
• Learning Difficulties (providing the condition you have has not caused you to cancel or curtail a trip in the last five years)
• Macular Degeneration
• Meniere's Disease
• Migraine (provided you have been prescribed medication for the condition and have had no change in medication in the last six months)
• Pernicious Anemia (provided any nerve damage does not interfere with daily activities and you can walk without aids)
• Raynaud's Disease
• RSI (Repetitive Strain Injury)
• Sinusitis
• Tendonitis
• Tinnitus
• Tonsilitis

GET A QUOTE

We can provide cover that excludes all of your diagnosed pre-existing medical conditions on a Single Trip or Annual Multi-Trip Policy. This depends on your medical conditions.

If you have a minor condition, you can exclude it. If it is more serious, such as Cancer or a Heart Attack, feel free to contact us, and we can let you know if we can exclude the medical conditions.

You will not be covered for any claim arising directly or indirectly from any medical conditions you have or have had for which you are taking or have taken prescribed medication or for which you are waiting to receive or have received diagnosis or treatment (including surgery, test or investigations), at any time before purchasing this policy.

For your information, examples of conditions that can be indirectly linked to pre-existing medical conditions you have or have had include:

• Someone with high blood pressure or Diabetes has a heart attack, stroke or mini-stroke.
• Someone who has or has had cancer who suffers from secondary cancer.
• Someone with osteoporosis who then suffered from a broken or fractured bone.

Please get in touch with us so that we can provide this cover. 0800 043 0020 / 01273 092 757

The most common and usually expensive cost to travel insurance providers relates to Emergency Medical Expenses and Repatriation to the insured person's home country following injury or illness.

Some travel insurance with pre-existing conditions carries a low risk of a claim being made; therefore, the associated premium is relatively low.

On the other hand, the premium will be relatively higher, where research shows a high chance the customer will have to claim and that there would be high medical expenses in the event of a claim.

Premiums will also vary depending on the Geographical Region, cover length and the customer's age.

This gives our customers peace of mind: We will cover emergency medical treatment costs so they don't have to pay.

Why is medical screening important?

This is important so we can decide if we can provide cover. It does not take very long but can involve some personal questions.

Suppose you do not tell us about your medical condition(s) within the period specified in the quote. In that case, you might find that a claim will be refused, as we were not given the complete picture, and therefore, the premium would have been incorrect.

Do I need to declare minor medical conditions and treatment?

All medical conditions for which you have received investigations, medical treatment, prescription medication, visits to a hospital or clinic, or any other medical practitioner must be declared. Usually, this relates to any medical treatment in the last two years. This includes mild asthma, chest infections and a sprain, for example.

What will the outcome of the medical screening process be?

You will be presented with two options after answering the medical questions.

• A standard travel insurance policy that covers the Medical Condition(s)
• Unable to insure you

You might want to consider a Single Trip policy if we cannot cover your pre-existing medical conditions on an Annual Multi-Trip policy.

Here are a few examples of medical conditions that will need to be on your travel insurance policy:

• Diabetes: Let us know if you have Type 1 or Type 2 or any other form of Diabetes
• Heart Conditions: Provide details of any heart condition you have or have had 
• Circulatory Conditions, Such as high blood pressure or high Cholesterol
• Physiological Conditions: Such as anxiety or depression
• Cancer: Even if you are in remission, we will need to know the type of cancer and at what stage you are with the treatment
• Terminal Conditions: We will need to know if you have a terminal illness such as Parkinson's Disease

Please remember that all must be declared to provide a valid quote and policy.

Residents of the United Kingdom travelling in EU countries can get state-provided health care for free or at a reduced cost.

You will need a Global Health Insurance Card (GHIC) or if you already have an EHIC and it is still in date. It is essential to be aware of the following:

• This card does not provide cover for Repatriation
• In a medical emergency, you might not have the choice as to which hospital or clinic you are taken to
• The GHIC card does not provide cover for cancellation or curtailment of personal possessions

​Please check which countries accept EHIC or GHIC, as some countries might not get these cards.

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