Important information about your cover and Coronavirus (Covid - 19)

There's information for new and existing customers and answers to frequently asked questions on our Coronavirus page.

New Customers

Our Travel Insurance policy doesn't cover most claims relating to Covid-19, SARSCoV-2 or any future mutation or variation. This includes but isn't limited to cancelling or cutting short your trip, changes in FCDO advice after booking or any costs associated with being placed under quarantine in the UK or abroad. However, providing you're travelling to an area where no FCDO advice against travel exists we'll provide cover relating to medical emergencies and repatriation for Covid-19.

There's no cover under any section of our travel policies if you travel against FCDO advice.

Travel Insurance with Medical Conditions

Travelling with a pre‑existing medical condition?

The right travel insurance is even more important.

What’s covered?
Pre-existing medical conditions and directory

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.

Admiral

Admiral
Gold

Admiral
Platinum

Excess

£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?

A pre-existing medical 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 medical 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 medical 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 in the last two years and sought medical attention, this needs to be declared on your policy.

If you don’t tell us about your pre-existing medical 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 Money Advice Service Medical Directory

If you have or have had a more serious pre-existing medical condition and are struggling to find travel insurance, the Money Advice Service medical directory may be able to help. This directory has a panel of travel insurance providers who specialise in covering serious medical conditions.

Alternatively, you can call them on 0800 138 7777. (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 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.

Your pre-existing medical 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 medical 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 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 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).



show more

Getting the most out of your trip

Going anywhere nice?

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Travel Insurance upgrades

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.