Able2Travel
Travel Insurance for People with Pre-existing Medical Conditions
Traveling with a pre-existing medical condition or long-term illness shouldn’t mean giving up your travel dreams. However, finding the right insurance can often be frustrating. Standard policies frequently offer limited cover or come with prohibitive costs, leaving you feeling uncertain about your travel plans.
At Able2Travel, we specialise in providing travel insurance that gives you peace of mind—whether you have a pre-existing medical condition or are simply an older traveller. We understand the unique challenges you face and believe everyone deserves to travel safely and affordably, without the worry of insufficient coverage.
For the love of travel, choose Able2Travel—because your health and adventure should go hand in hand.
Get your Quote Online or Call +44 (0)1483 806 826
Why Choose Able2Travel?
- No Age Limit on Single Trip Policies*
- Coverage for 1,000s of Pre-existing Conditions – including cancer, diabetes, and heart conditions
- Emergency Medical Expenses – up to £10 million per person
- Trip Cancellation Protection – up to £5,000 per person
- Optional Cruise Cover - including missed port of call protection
*For areas 1, 2 & 3
With over 20 years of expertise, Able2Travel specialises in providing travel insurance for senior travellers and those with pre-existing medical conditions. Our award-winning policies are designed to offer protection at competitive rates, so you can travel confidently, knowing you’re well-covered.
These are just a few of the many benefits available with Able2Travel. Click below for a full breakdown of how we can help protect your journey.
Get your Quote Online or Call +44 (0)1483 806 826
Don’t just take our word for it— join the tens of thousands of satisfied customers we’ve helped protect over the past 20 years.
What Type of Policies Does Able2Travel Offer?
At Able2Travel, we offer a variety of travel insurance policies designed to fit your unique needs, whether you're planning a single trip, multiple journeys, or a specific type of adventure. With flexible options to cover everything from pre-existing medical conditions to specialised trips, you can find the perfect policy to suit your travel plans.
Single Trip Travel Insurance
Suitable for travellers looking to cover one trip abroad with no upper age limit to Areas 1,2 and 3.
Annual Multi-Trip Insurance
Unlimited travel. Designed for travellers going on multiple trips in the next 12 months.
Pre-existing Medical Condition Travel Insurance
You can get travel insurance with existing conditions cover, including cancer, COPD, and many more.
Senior Travel Insurance
Travel Insurance for senior travellers who still want to explore the world. Travel without limits.
What Features Do Able2Travel Policies Have?
Able2Travel offers three levels of cover for both Single Trip and Annual Multi-Trip policies, allowing you to choose the travel insurance that best suits your needs. Whether you're looking for basic protection or more comprehensive coverage, we make it easy to find the right option for your journey.
The table below outlines the features available for each level of cover, so you can compare and select the policy that meets your requirements.
|
Single Trip Policy Features |
|||
|
Silver |
Gold |
Platinum |
|
| Maximum age at date of departure (travel to Areas 1, 2 & 3) | No Age Limit | No Age Limit | No Age Limit |
| Maximum age at date of departure (travel to Area 4) | 79 | 79 | 79 |
| Maximum period per Trip if aged 65 years or under | 365 Days | 365 Days | 365 Days |
| Maximum period per Trip if aged 66 to 79 years | 45 Days | 45 Days | 45 Days |
| Maximum period per Trip if aged 80 to 85 years in all areas excluding Area 4 | 31 Days | 31 Days | 31 Days |
| Maximum period per Trip if aged 86 years and over in all areas excluding Area 4 | 23 Days | 23 Days | 23 Days |
| Maximum period per Trip if aged 80 years and over in Area 4 | No Cover | No Cover | No Cover |
|
Annual Multi-Trip Policy Features |
|||
|
Silver |
Gold |
Platinum |
|
| Maximum age at start date of the period of cover shown on Your certificate | 79 | 79 | 79 |
| Maximum period per Trip if aged 65 years or under | 31 Days | 31 Days* | 31 Days* |
| Maximum period per Trip if aged 66 to 75 years | 31 Days | 31 Days** | 31 Days** |
| Maximum period per Trip if aged 76 to 79 years | 31 Days | 31 Days | 31 Days |
| Business travel included | Yes | Yes | Yes |
| Trips within your country of residence (refer to definition of trip for further information) | Included | Included | Included |
| Family members can travel separately if named on Your certificate | No | No | Yes |
| Winter Sports (Activity Pack 5) upon payment of an additional premium and shown on Your Policy Certificate - up to total maximum of | 21 Days | 21 Days | 21 Days |
*Available to extend to 45 days or 60 days for an additional premium
**Available to extend to 45 days for an additional premium
Get your Quote Online or Call +44 (0)1483 806 826
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1. How Much Does Travel Insurance Cost?
The cost of travel insurance varies depending on the level of cover you have chosen, your age, pre-existing medical condition you have, holiday duration, and destination.
If you add any policy options e.g. sports cover or cruise cover to your policy, this will also affect the cost of the policy.
If you aren’t sure which area to choose, please see below to find which area to select for your trip when purchasing your Able2Travel policy.
- Area 1- England, Scotland, Wales, Northern Ireland, and the Isle of Man.
- Area 2- Those countries listed above in 'Area1' and including: Albania, Andorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands (Guernsey, Jersey, Alderney, and Sark), Corsica, Croatia, Cyprus, Czech Republic, Denmark (inc. Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Greece (including Greek Islands), Holland (Netherlands), Hungary, Iceland, Italy, Kosovo, Liechtenstein, Latvia, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, North Macedonia, Norway, Poland, Portugal (inc. Azores), Republic of Ireland, Romania, Russia (West of Urals), San Marino, Sardinia, Serbia, Slovakia, Slovenia, Spain (including Balearic and Canary Islands), Sweden, Switzerland, Ukraine, Vatican City.
- Area 3- Anywhere in the world excluding the United States of America, Canada, the Caribbean, and Mexico.
- Area 4- Anywhere in the world
3. What Level of Cover Do I Need?
Able2Travel offers 3 levels of cover on all policies (Silver, Gold, and Platinum) When choosing the level of cover, make sure you choose enough cover for the cost of your trip and how much baggage you are taking.
If you want to compare the different levels of cover, you can visit our Compare Cover page.
4. Do I Need to Tell Able2Travel If I Have Pre-Existing Medical Condition?
Yes, it’s important that you declare any pre-existing medical conditions you may have when taking out a policy at Able2Travel. If you don’t declare your pre-existing medical conditions, it can make your travel insurance policy invalid when you need to make a claim.
5. Can I Get Travel Insurance While on A Waiting List?
Most likely yes. If you’re currently on a waiting list for treatment or surgery for a diagnosed medical condition we can potentially find a travel insurance solution for you. We may even be able to find you cover in case you have to cancel or end your holiday early, due to a change of date for your treatment or surgery.
For more details about getting travel insurance while on waiting list, please contact our dedicated UK Call Centre on +44(0)1483 806 826 to speak with one of our trained specialists.
Please note: we cannot provide cover to travellers who are experiencing symptoms and have not yet received a confirmed diagnosis of those symptoms from GP or medical practitioner.
6. How Do I Get a Travel Insurance Quote?
It’s quick and easy to get a quote from Able2Travel. Just click the quote button below and pick the policy that best meets your needs - We can then provide you with an instant travel insurance quote online. If you prefer to speak with someone, you can call our dedicated UK based Able2Travel specialist travel insurance team.
Important Information for Customers with Serious Medical Conditions
MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.