Travel Insurance with Medical Conditions

Travelling with a pre‑existing medical condition?

The right travel insurance is even more important.

Coronavirus and your cover
What’s covered?
Pre-existing conditions

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.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

  • you were diagnosed with Covid-19 before your trip was due to start
  • a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
  • you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
  • an insured person or a close relative died during the trip because of Covid-19
  • you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

  • you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
  • any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
  • you have to quarantine after arriving in the UK or abroad
  • the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page. And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Travel insurance with pre-existing 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)

£1.5K £3K £5K

Personal belongings (Limits up to)

£1K £2K £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 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 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 had a positive diagnosis of Covid-19 and 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.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Why do I have to tell my insurer if I have a pre-existing 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.

Your pre-existing conditions won’t be covered unless you’ve declared them all on your policy, received acceptance of this in writing, and paid any additional premium in full. If you don’t tell us about your pre-existing conditions or give us incorrect information your policy may be invalid, we may refuse your claim or not pay your claim in full.

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 condition or will my price be more expensive?

It’s not impossible to get cheap travel insurance with pre existing 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 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 you don’t agree with any changes to the terms and conditions, you may get a full or partial refund. If we can’t cover you, you may be able to cancel your holiday if it hasn’t started.

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.

Please call our 24 hour Emergency Assistance Helpline on +44 (0)292 010 7777 before cutting your trip short, going into hospital or incurring medical expenses over £500.

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, asthma is a pre-existing condition and must be declared when buying your insurance.

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 a pre-existing condition and must be declared when buying your insurance.

Can you get travel insurance with cancer?

Cancer is one of the pre-existing conditions you need to declare when buying your insurance.

Can you get travel insurance with HIV?

HIV is one of the pre-existing conditions you need to declare when buying your insurance.

Can you get travel insurance with epilepsy?

Epilepsy is one of the pre-existing conditions you need to declare when buying your insurance.

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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