SERVICE UPDATE [03/04/2020]

Thank you for your support and patience while we take measures to protect our staff, due to Coronavirus safety measures.

We are open for business and here for you. Our call waiting times are currently much longer than usual (approximately 30 mins) so you may prefer to call us only if urgent. We are continuing to prioritise calls for new claims, for example, if you’ve been involved in an incident and your car’s undrivable, or your home’s uninhabitable.

For your other options, please see our homepage.


Travel Insurance with Medical Conditions

Travelling with a pre‑existing medical condition?

The right travel insurance is even more important.

What’s covered?

Travel insurance is an important part of going away. Whether you're travelling around the UK or going abroad, make sure you and your travel companions are protected with comprehensive cover.

Travel insurance with pre-existing medical conditions

Admiral offers both Single Trip and Annual Travel Insurance with three tiers of cover to choose from: Admiral, Admiral Gold and Admiral Platinum.





£100 £75 £50

Emergency medical treatment & repatriation (Limits up to)

£10M £15M £20M

Cancellation or cutting short your trip (Limits up to)

£1K £2.5K £5K

Personal belongings (Limits up to)

£1K £1.5K £2.5K

Money & documents (Limits up to)

£300 £400 £500

Read the full list of benefits in the policy summary booklet.

Make sure you’re covered and fit for travel

Fit for travel means you’re healthy and able to travel without concern. If you’re in any doubt, speak to your doctor. You won’t be covered if your doctor considers you unfit for travel.

Before you buy or renew your cover, you need to state if you or anyone named on your policy has a pre-existing medical condition. This includes medical conditions you’ve had within the last two years.

You should also let us know if anything changes with your health at any point after taking out the policy.

We need to know about:

  • Advice, treatment or prescriptions from a doctor
  • Investigation of your health or waiting for diagnosis
  • Being on a waiting list for inpatient treatment or knowing you need inpatient treatment

What’s a pre-existing medical condition or illness?

If you’re unsure about your condition, speak to your doctor. Then call Medical Screening on 0333 234 9913 to see if we can cover you.

Our pre existing medical conditions list includes:

  • 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

If you make a claim for injury or illness, we may need to contact your doctor for your medical records. You may not be able to claim if you refuse access. Medical examinations (or post-mortems) may also be required if you claim.

Why do I have to tell my insurer if I have a pre-existing medical condition?

Having travel insurance for existing medical conditions means you’re fully covered should anything happen on your trip relating to your pre-existing condition.

If you require medical assistance, the experts at the emergency assistance service will be able to advise you on the best care.

We may refuse a claim if it's connected to a pre-existing medical condition you haven’t told us about or we learn about any medical conditions that weren’t declared.

Claims are also often denied for people who:

  • Travel against the advice of their doctor, or don’t seek advice where travel would have been denied
  • Travel to receive treatment e.g. an operation in a foreign country
  • Fail to take necessary medication e.g. any prescribed medicines or inoculations

Can I get cheap travel insurance with a pre-existing medical condition or will my price be more expensive?

It’s not impossible to get cheap travel insurance with pre existing medical conditions, but you shouldn’t sacrifice cover for the sake of paying less.

Your insurance cost usually depends on:

  • Number of travellers on your policy
  • Where you’re travelling to
  • The type of pre-existing medical condition(s)

I was diagnosed with a medical condition after I booked my insurance – am I still covered?

Yes, usually, if:

  • Your doctor says you’re fit for travel
  • You've told us about these changes to your health

When you tell us about a new medical condition and we agree to cover it, you may have to pay a bit more.

If we can’t cover you or you don’t agree with any changes to the terms and conditions, you may be able to cancel if your holiday hasn’t started, and you should get a full or partial refund.

Can I make a claim once I return home?

Claims for medical emergencies should be made while you’re away from home on your trip. Retrospective claims aren’t normally considered, no matter how costly or minor the treatment.

As soon as you need medical care abroad, contact the emergency helpline on +44 (0)292 010 7777.

Non-medical claims, for example claiming back money spent, can be submitted when you’re back home. If you’re in any doubt, it’s best to contact us to check, or visit our Make A Claim page for more information.

Your questions answered

Is asthma a pre existing condition for travel insurance?

Yes, it is. Check the policy book for the full list.

Does travel insurance cover medical expenses?

You’ll be covered up to the limits shown on your policy for any reasonable, necessary costs relating to emergency medical, surgical and hospital treatment. This doesn’t include treatment in a private facility, or anything carried out in your home country after returning home.

Can you get travel insurance with COPD?

COPD is on our list of pre-existing conditions you must declare when buying your insurance, so call Medical Screening on 0333 234 9913 for more information.

Can you get travel insurance with cancer?

Cancer is one of the pre-existing conditions you need to declare when buying your insurance. Call Medical Screening on 0333 234 9913 for more information.

Does having a pacemaker affect travel insurance?

If you have a pacemaker, it’ll need to be declared to us when you take out the policy (or when you have it fitted if this is done after you’ve taken out the policy). You can still get travel insurance with a pacemaker.

Why do I have to provide my medical details to get a quotation?

Declaring your medical details will ensure you are buying a policy which meets your needs. It’s important you supply accurate and complete answers to all questions as failure to do so could mean your policy is invalid and/or your claim is not paid in full or refused.

Do I need to declare existing medical conditions to get Admiral cover?

Declaring your medical conditions will ensure you are purchasing a policy which meets your needs. It’s important you supply accurate and complete answers to all questions as failure to do so could mean your policy is invalid and/or your claim is not paid in full or refused.

Can I take out insurance if I am currently being diagnosed, under referral, awaiting an operation or haven’t been discharged from outpatient care?

Unfortunately Admiral is not able to offer cover in these circumstances, but there are other specialist insurers who may offer cover for travellers in the above circumstances.

What happens if I need replacement prescription medication when I'm abroad?

Please make sure you take enough medication to last your entire trip and include extra to allow for travel delays that may occur.

If you run out of prescription medication because you were unable to return home as planned because of illness or injury, we will pay for the cost of additional medication (a policy excess may apply).

If your medication is lost or stolen, we'll refund you the cost of replacing it (a policy excess may apply).

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