5 Star Travel Insurance from Admiral
5 Star rated Platinum level Travel Insurance
Our Platinum level cover has Defaqto's 5 Star rating.
What’s a pre-existing condition or illness?
A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance, whether that’s having symptoms, tests, diagnosis or medical treatment.
This includes:
- Urinary tract infections
- Cancers
- Heart conditions (irregular heartbeat/angina/heart disease)
- Diabetes
- Circulatory conditions (strokes/high blood pressure/high cholesterol)
- Breathing conditions (asthma/chronic obstructive pulmonary disease (COPD))
- Gastro-intestinal or digestive conditions (Crohn's disease/IBS)
- Bone or joint conditions (arthritis/gout)
- Psychiatric or psychological conditions (anxiety/depression)
- Terminal prognosis
You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913
Your pre-existing conditions won’t be covered unless you’ve:
- Declared them all on your policy
- Received written confirmation that we’ll cover your medical condition
- Paid any additional premium in full
Policy terms and conditions apply. Please note, if you’ve been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.
If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.
The MoneyHelper directory
Unfortunately, we can't offer cover for all medical conditions. If you have a serious health condition, we recommend using MoneyHelper's travel insurance directory or calling 0800 138 7777 (open Monday to Friday 8:00-18:00 excl. bank holidays).
Choose from three levels of cover
We have three cover levels for you to choose from, depending on the level of protection you want for your next trip.
| Admiral | Admiral Gold |
Admiral Platinum |
|
|---|---|---|---|
| Emergency medical treatment and repatriation | £10M | £15M | £20M |
| Cancellation or cutting your trip short | £1.5K | £3K | £5K |
| Personal belongings | £1K | £2K | £2.5K |
| Money and documents | £300 | £400 | £500 |
| Personal accident | £10K | £15K | £25K |
| Personal liability | £3M | £3M | £3M |
| Legal assistance | £20K | £20K | £30K |
| Catastrophe cover | £1K | £1.5K | |
| Excess | £100 | £75 | £50 |
Read the full list of benefits in the policy summary booklet.
What's not covered
This list isn't exhaustive and doesn't include exclusions for our specialist travel insurance like cruise and winter sports.
- flights cancelled or delayed for any reason other than adverse weather, strike, or mechanical breakdown
- claims related to flights that don't start or end in the UK (connected flights)
- trip cancellation because you've changed your mind
- pre-existing conditions you've not declared
- claims related to death or illness of someone not on the policy linked to conditions they had when you bought your policy
- lost or stolen items you've left unattended
- claims where you can't give us evidence, for example, a police report or receipts
- being denied entry because you don't have passports or the correct visas
- extreme sports, winter sports or cruise trips unless you've paid for the additional cover
- circumstances that aren't specified in your policy
For more information on what's covered read our policy book.
Your questions answered
What if my medical conditions change after I've bought my policy?
If your policy can continue with the changes updated, you might need to pay an extra premium or we may vary your terms of cover such as applying a medical exclusion where appropriate.
Is there an upper age limit?
The maximum age limit for our policies is up to 90 years old for annual multi-trip policies, and up to 100 years old for single trip policies. The age limit and level of cover we offer depends on your information and details of your holiday.