Medical travel insurance
Travel insurance for pre-existing medical conditions
We specialise in travel insurance for people with pre-existing medical conditions, with cover assessed around your individual health and circumstances.
Travel insurance that takes your health into account
Having a medical condition doesn’t necessarily mean you can’t get travel insurance.
At Freedom we consider a wide range of conditions as part of our medical screening process. When you apply, we’ll ask about your health so we can assess the cover available for your individual circumstances. We’ll take into account your medical conditions, medication, treatment and any relevant medical history to help assess the policies available to you.
The cover and price you’re offered will depend on your individual circumstances and the policy you choose.
Travel insurance for pre-existing medical conditions
Every medical condition is different, so it’s important to find out what cover may be available for your circumstances. Explore the conditions below to learn more.
Cancer
Whether you’re undergoing treatment or you’re in remission, our policies are designed to provide peace of mind, helping you travel with confidence despite your cancer diagnosis.
Heart and Circulatory Conditions
Whether you’ve been recently diagnosed or managing your condition for years, our policies are designed to offer tailored cover for your travels.
Angina | Heart attack | Heart condition | High blood pressure | High cholesterol
Respiratory Conditions
Whether you’re managing a mild or severe respiratory condition, our policies are designed to provide cover for your individual circumstances, so you can travel with confidence
Chronic Illnesses and Disorders
Whether you’re managing an ongoing condition or navigating more complex health needs, our policies can be tailored to your circumstances, helping you travel with greater peace of mind.
Diabetes | Epilepsy | Kidney Disease | Lupus
Neurological and Mental Health Conditions
From ongoing conditions to periods of treatment or recovery, our policies consider your individual circumstances when assessing your cover, so you can make informed plans for your holiday.
Mental Health Conditions | Parkinson’s Disease | Stroke & TIA
How does the medical screening work?
Getting a quote for medical travel insurance is straightforward and confidential. The medical screening usually takes just a few minutes and helps determine what cover may be available based on your circumstances.
Tell us about your trip
Where you’re going, when you’re travelling and how long you’ll be away.
Tell us about your health
Declare your medical conditions and provide information about your medication, treatment and relevant medical history.
Review your options
Once screening is complete, you’ll see the policies and cover available to you.
Prefer to talk it through with someone first?
Our UK team is available Monday to Friday, 9am – 5pm on 01223 446 914
There’s no obligation and no pressure to buy. We’re happy to answer your questions and help you understand the process.
What does medical travel insurance cover?
Medical travel insurance can provide cover for unexpected costs and events that arise during your trip, including eligible emergency medical treatment related to a declared and accepted pre-existing medical condition.
Depending on the policy you choose, cover may also include:
- Emergency medical expenses and repatriation
- Cancellation and curtailment
- Missed departure
- Travel delay
- Baggage and personal belongings
- Personal liability and personal accident
What isn't covered?
Travel insurance doesn’t cover every situation or medical expense. Understanding what isn’t covered is just as important as knowing what is.
Examples of situations that may not be covered
- Planned or routine medical treatment
- Undeclared or unaccepted medical conditions
- Claims excluded by your policy
- Other circumstances not covered by your policy
Always check your policy wording for the full details of what’s covered, including exclusions, conditions and limits.
Benefits
Getting you covered.
Cancellation & Curtailment
Emergency Medical & Repatriation
Missed Departure
Baggage and Personal Belongings
Excess
Benefits
Getting you covered.
Up to £15,000
Up to £10m
Up to £2,500
Up to £3,000
From as little as £0
Cover is per person, per trip.
What’s covered with Freedom Travel Insurance?
No jargon, just straightforward cover. We believe travel insurance should be easy to understand, that’s why we’ve made our policies straightforward with flexible options. You choose what’s right for your trip, and we’ll take care of the rest.
Read the policy wording for full details.
How much does medical travel insurance cost?
There’s no standard price for medical travel insurance. The cost can depend on factors such as your age, destination, trip length, medical history and the cover you choose.
With a pre-existing medical condition, the information you provide during medical screening can affect both the price and cover available to you.
The best way to find out how much your medical travel insurance could cost is to get a quote based on your circumstances.
Choose the right cover for your trip
Single trip and annual multi-trip insurance are designed for different travel plans. Choose the option that suits how you travel.
FAQs
Some of our most frequently asked questions.
Can I get medical travel insurance if I have more than one medical condition?
Having more than one pre-existing medical condition doesn’t automatically prevent you from getting travel insurance. You’ll need to declare all relevant conditions during medical screening so they can be considered when determining what cover may be available.
Can I get medical travel insurance at any age?
Age limits do vary between policies. However, Freedom offers a range of specialist travel insurance schemes, including some with no upper age limit for Single Trip and Annual Multi-Trip cover. Your options will depend on your age, health and the policy available to you.
Can I get travel insurance if I’m currently having treatment?
Freedom can consider cover for people who are currently receiving medical treatment, including chemotherapy. However, travel insurance generally won’t cover the cost of planned or ongoing medical treatment that you already know you’ll need during your trip.
Can I get travel insurance after being in hospital?
A recent hospital admission doesn’t automatically prevent you from getting travel insurance. You’ll need to provide accurate information about your hospital treatment and medical history during screening, and the cover available will depend on your circumstances.
What happens if my health changes after I buy medical travel insurance?
You must tell Freedom about any relevant changes to your health, medication or treatment before you travel. We may need to ask additional questions and reassess your cover. Cover for the change will depend on it being accepted under your policy.
Can I get medical travel insurance for a cruise?
Yes. Freedom offers cruise travel insurance for people with pre-existing medical conditions. Cruise cover can include additional benefits such as cabin confinement, missed port departure and unused excursion cover, depending on the policy. You’ll need to select cruise cover when arranging your insurance.
What happens if I’m unable to travel because of my medical condition?
If you need to cancel your trip because of your medical condition, your policy may provide cancellation cover, provided the claim meets the policy terms, conditions and exclusions. Your condition will need to have been declared and accepted for cover where required.
Do I need medical travel insurance if I have a GHIC?
Yes, it’s still important to have travel insurance. A GHIC can give eligible UK residents access to medically necessary state healthcare in countries where it’s accepted, but it doesn’t replace travel insurance or provide cover such as medical repatriation, cancellation or baggage.
