Medical conditions insurance
Your health is part of your story.
Having a medical condition should be part of the conversation when looking for travel cover.
Get a quoteBuild your travel plans right here on our website.
Make room for
the right cover.
Our quote service provides a route to specialist travel insurance providers. Answer the medical questions fully and accurately so the insurer can consider your circumstances. Cover depends on assessment and the policy offered.
Cover is subject to insurer acceptance, policy terms, limits and exclusions. Always read the policy documents before you buy.
Before you buy, check
- Existing diagnoses, treatment and medication
- Symptoms or investigations when the insurer asks
- Changes in health after buying your policy
- The medical cover, limits and exclusions offered
Keep a copy of your policy and emergency assistance number somewhere you can access while travelling.
Good to know
before you go.
Am I covered if I travel abroad for medical treatment?
Standard travel insurance usually excludes trips taken for medical treatment. For dental, cosmetic, elective or fertility treatment abroad, see our treatment abroad cover, arranged through Pulse Globetrotter.
Can I get cover with a medical condition?
You can explore options through our specialist quote service. You will need to answer medical questions so the insurer can assess your circumstances. Availability, premiums and terms depend on that assessment.
What is a pre-existing medical condition?
This can include an illness, injury or condition for which you have had symptoms, treatment or medication before taking out cover. Definitions vary, so follow the questions and guidance provided by the insurer and disclose everything requested.
What if my health changes after I buy cover?
Contact your insurer or policy provider as soon as possible. Follow the change-of-health requirements in your policy so the provider can explain whether your cover or terms need to change.
Does a non-travelling relative’s health matter?
It may affect cover if their health could lead you to cancel or cut short your trip. Read the policy’s rules for non-travelling relatives and discuss the circumstances with the provider before buying.
Let’s get your next trip started.
Questions about cover? Our Kirkcaldy team is here to help.