Travel Insurance for people
with Medical Conditions

If you have a pre-existing medical condition, you may have previously found travelling abroad worrying. But help is now at hand. Relax and enjoy your holiday knowing you’re properly covered, with travel insurance which covers numerous pre-existing medical conditions from Allianz Assistance.

Pre-existing conditions are medical conditions that existed before you bought an insurance policy. You may have received treatment (including surgery, tests or investigations by a doctor or a consultant/specialist and been prescribed drugs or medication) for these conditions.

Our travel insurance policies with medical conditions included cover a number of pre-existing conditions depending on their severity, including:

  • Diabetes
  • Asthma
  • Heart conditions
  • Cancer

You can check to see if we're able to cover your pre-existing medical condition by getting a quote today. Below is some more information about our products, for which Terms and Conditions apply. Please visit the policy information hub for full details.


Having a pre-existing medical condition shouldn’t mean that you’re unable to travel. When you opt for travel insurance with medical conditions included, your cover works in the same way as a traditional travel insurance policy does. Additionally, your policy will cover care costs for any medical condition you may have had in the past or suffer from currently.

If you’re ill while you’re abroad after taking out a policy, we can look after you. Before you take out your Single Trip or Backpacker policy, we’ll ask you a series of health-related questions (please note that our Annual policy doesn’t cover any pre-existing medical conditions).


When you’re buying travel insurance with pre-existing medical conditions included, it’s important to give us as much information as possible. This means that you also need to tell us about conditions you have, just in case. This way, you can go away knowing you’ll be covered for any unexpected flare-ups.

There are many medical conditions that are routinely managed using medicine and other forms of treatment. Some conditions are controlled so successfully and have such a minimal effect on lifestyle that it’s possible to forget they exist. For this reason, some people believe they do not have to declare them, or consider them too trivial to mention when applying for holiday insurance. The following are some examples of common conditions that are often overlooked, but need to be declared:

  • High blood pressure
  • Respiratory problems
  • Inflammation of joints
  • Neurological conditions (for example stroke or epilepsy)
  • Treatment and conditions related to cancer (usually within the last five years)

It's very important that you tell us about any existing medical conditions you have when you apply for holiday insurance with medical conditions included. This is because it’s unlikely that we will pay any claim for medical expenses, trip cancellation or cutting short a trip if it relates to a medical condition that you have not told us about (and that we have agreed to cover).

Please note that for the purposes of travel insurance with pre-existing medical conditions, you should also tell us about any mental health or psychiatric conditions you may have, such as anxiety or depression. By telling us about all of your pre-existing mental and physical conditions, we can tailor your policy to you, and make sure you have the cover you need in case something doesn’t quite go to plan.

If you fail to declare a medical condition, your claim could be rejected, and you may be forced to pay any medical bills yourself. No matter how minor your medical condition is, it’s always worth declaring. 

Sadly, travel insurance which covers pre-existing medical conditions doesn’t cover everything. For example, a travel insurance policy from Allianz Assistance does not cover anyone travelling:

  • Against medical advice or anyone who is not deemed fit to travel on the planned trip.
  • To obtain and/or receive any elective surgery, procedure or hospital treatments.
  • Knowing they will need medical treatment during the trip.
  • If they’ve been told they have a terminal condition.

In addition, we do not cover you for any directly or indirectly related claims that arise from a pre-existing medical condition, unless the condition has been declared and accepted by us.

You can get a quote for travel insurance which covers pre-existing conditions to see if we’re able to cover you. You can also read our policy documents online to see the full cover and exclusions. If there is anything you don’t fully understand, please get in touch. 

When you’re booking travel insurance policies with medical conditions included, it’s important to know that pregnancy is not considered to be a pre-existing medical condition. But, there are certain things that you should be aware of before you travel while pregnant.

Firstly, you should consult your doctor before you book your holiday to make sure they’re happy for you to travel. You should also check with your carrier’s policy on travelling whilst pregnant, because different restrictions will be in place depending on whether you choose to travel by plane, boat or coach. For example, most airlines will not allow you to fly after 36 weeks of your pregnancy. 

  • An indirect medical claim is referred to as a medical problem that is more likely to happen because of another medical problem you already have.

    For example, if you suffer with chronic obstructive pulmonary disease or other lung diseases, you are more likely to get a chest infection. Similarly, if you have high blood pressure, high cholesterol or diabetes, you are more likely to have a heart attack or a stroke and, if you have osteoporosis, you are more likely to break or fracture a bone. 

When you take out holiday insurance with medical conditions included, you will not be covered for any directly or indirectly related claims arising from the health of a travelling companion, someone you were going to stay with, a close relative or a business associate if, at the time your policy was issued:

  • You were aware they have been receiving medical treatment or consultation at any medical facility for a medical condition in the last 12 months.
  • You were aware they have been awaiting medical treatment or consultation at any medical facility or have been under investigation for a medical condition.
  • You were aware that a doctor had diagnosed them as having a terminal condition, or that their medical condition was likely to get worse in the next 12 months.

It’s easy to declare your pre-existing medical conditions with our medical screening process; simply click ‘Get a Quote’ and select your type of cover (Single Trip or Backpacker), before filling in some basic information about you and your trip.

You’ll then be asked to declare your conditions. To do this, all you need to do is type the first three letters of the condition into the box and select your condition from the dropdown menu. Once you’ve declared all of your conditions, check the information you’ve provided and press ‘Finish.’

If you have any questions about the medical screening process or you’re unsure what pre-existing conditions are not covered, please call us on 0371 200 0428 (from 9am to 5pm - Monday to Friday). 

Sadly, if you fail to declare a condition, you won’t be covered.

At Allianz Assistance, we want to do everything possible to make sure you’re covered for your trip, which is why we need you to provide us with as much information as possible during the medical screening process. This then allows us to create a holiday insurance policy with all your pre-existing medical conditions covered. If you’re in doubt, please declare your condition. 

Whether you’re popping across the Channel or travelling across the Atlantic, our Single Trip travel insurance has you covered. If you’re only heading away once this year, Single Trip cover is perfect.

Our Cruise travel insurance with medical conditions covers the specific risks associated with cruising, so you can see the world knowing you’re protected. 
Age needn’t be a barrier to travelling; after all, you’re only as old as you feel. Our Seniors travel insurance includes pre-existing medical conditions, so you can relax and enjoy your trip.
Providing that you tell us about your pre-existing medical conditions, you can get cover for selected Sports and Leisure activities, including some water sports. 
If you’re under 35, our Backpacker insurance can cover you for your trip of a lifetime – even if you have a pre-existing medical condition.
Discover far-flung places and new cultures with our Worldwide travel insurance. Choose a policy that includes or excludes the USA, Canada and all islands in the Caribean Sea (including the Bahamas).

Embrace all things European with Single Trip or Backpacker travel insurance for Europe. Bon voyage!
Medical solutions icon
Medical Solutions 24/7 GP telephone and video consultations
Medical solutions icon
Customers who have bought our travel insurance can arrange a medical consultation with a UK GP, to talk through your medical concerns, 24 hours a day, 7 days a week. Alternatively, you'll be able to speak to them face to face by booking an online video consultation*.

*For video consultations, time restrictions apply and UK Bank Holidays are excluded.
Alternative Cover Options For Pre-existing Medical Conditions

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy to cover pre-existing medical conditions by contacting our partner Free Spirit.

Visit: the Free Spirit website 
Call: 02393 419 852 and quote MAG10000 (Lines are open 8am to 6pm Monday to Friday).

Free Spirit are featured in the Money and Pensions Service (MaPS) directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm)