Policy Summary:
3 Options available including:
Cruise Cover Option, Winter Sports Cover Option, Sports Travel Insurance...see all
Why Choose Able2Travel?
- Specialists in travel insurance for people with existing medical conditions
- Full Cover available for 1,000s of conditions
- Instant cover by telephone or quick and easy online screening in a few minutes
- Great value cover also available for you and everyone travelling with you
Pre-existing Medical Condition Travel Insurance
Able2Travel Pre-existing Medical Condition Travel Insurance
Are you wondering where can you get Travel Insurance with cover for existing medical conditions?
Then you’re in the right place. Here at Able2Travel, we understand how difficult it can be to find the best Travel Insurance for pre-existing medical conditions, you may even have even been refused Travel Insurance cover previously.
We believe that all travellers with pre-existing medical conditions should have the opportunity to enjoy a holiday. Able2Travel offers Single Trip and Annual Multi-trip Travel Insurance for UK travellers with medical conditions, along with a range of options to tailor your policy.
Enjoy your holiday and focus on creating memories knowing that should the unexpected happen, you’re protected. For the love of travel, choose Able2Travel.
Get your Quote Online or Call +44 (0)1483 806 826
What Does Pre-existing Medical Condition Mean for Travel Insurance?
A pre-existing medical condition is any disease, disability, illness, or injury you currently have or suffered from before purchasing your policy. Able2Travel covers 1,000s of conditions and some of the conditions our pre-existing medical condition Travel Insurance policies have covered include:
- Cancer: Breast Cancer, Prostate Cancer
- Respiratory Medical Conditions: Asthma, COPD, Pulmonary Fibrosis
- Chronic Conditions: Diabetes, Epilepsy, Disability
- Heart Conditions: Atrial Fibrillation, Heart Disease, High Blood Pressure
- Other Conditions: Unexpected Pregnancy Complications such as pre-eclampsia or ectopic pregnancy.
- And 1,000s more!
During the quote process it’s important to declare your medical conditions to us. If you don’t declare your pre-existing medical conditions, it could make your Travel Insurance policy invalid if you need to make a claim.
You can declare any pre-existing health conditions simply and easily by completing our online medical screening whilst you’re buying your policy. Or if you’d prefer, you can speak to one of Able2Travel specialists in our dedicated UK call Centre by calling +44 (0)1483 806 826.
Please note: We cannot provide cover for travellers who have not received a confirmed diagnosis from a GP or medical practitioner for the symptoms they are experiencing.
Are You Looking for Travel Insurance While on a Waiting List?
If you’re currently on a waiting list for treatment or surgery for a diagnosed medical condition, this doesn’t necessarily mean you can’t or shouldn’t travel. Here at Able2Travel, there’s a strong possibility that we may be able to find you a Travel Insurance solution, so you can travel with peace of mind while on a waiting list.
We may even be able to find you cover just in case you have to cancel or end your holiday early, due to a change of date for your treatment or surgery, which many other insurance providers simply can’t offer.
To get a quote for Travel Insurance while on a waiting list for medical treatment, please contact Able2Travel on +44 (0)1483 806 826 to speak with one of our specialists.
Why Choose Able2Travel Pre-existing Medical Condition Travel Insurance?
Able2Travel travel insurance has over 20 years of experience in finding cover for senior travellers or travellers with pre-existing medical conditions. So, whether you have been diagnosed with cancer, a heart condition, or another pre-existing medical problem, you can be assured of receiving fast, sensitive, and competitively priced medical travel insurance for pre-existing conditions for your travel plans.
Our Specialist Travel Insurance for pre-existing medical conditions can cover up to £10 million in unexpected Emergency Medical Cover if you require treatment for your medical condition while abroad. Our Able2Travel policy also offers protection up to £5,000 should your trip get cancelled and/or interrupted for an insured reason.
If your baggage gets lost, damaged, or stolen during your holiday, our medical condition travel insurance can cover up to £3,000. What’s more, our pre-existing medical condition policy offers a range of optional covers you can include in your policy to enhance your protection on your trip.
What is covered by Pre-existing Medical Condition Travel Insurance?
Able2Travel Travel Insurance has over 20 years of experience in finding cover for senior travellers and travellers with pre-existing medical conditions Our award winning Travel Insurance policies offer competitive protection for your trip including a wide range of benefits such as:
- Emergency Medical Cover – up to £10 million
- Travel Accident - up to £20,000
- Trip Cancellation - up to £5,000
- Baggage - up to £3,000
- Travel Delay & Missed Departure - up to £1,000
Other Areas of Cover Included as Standard
- Cover for 1,000s of Medical Conditions
- Loss of Travel Documents - up to £500
- Plus so much more...
Additional Cover Available
- Optional Cruise Cover - Including Missed Port Cover
- Optional Sports Cover
You can be assured of receiving a fast and sensitive service with Able2Travel. Click our ‘Get a Quote’ button to protect your travel plans, or click here to see the full Able2Travel Full Table of Benefits.
Get your Quote Online or Call +44 (0)1483 806 826
What COVID Cover Is Available on Able2Travel Travel Insurance for Those With Medical Conditions?
All our Able2Travel Medical Condition Travel Insurance policies include Coronavirus (COVID-19) cover at no additional cost. However, our policy will ONLY provide cover for claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19) within the following sections:
- Section A – Trip Cancellation
- Section B – Trip Interruption
- Section C – Travel Delay & Missed Departure
- Section F – Emergency Medical Cover/Dental Cover Abroad
- Section G - Emergency Transportation
You can find full details of what is and isn't covered in relation to Coronavirus within the policy wording.
Click the “Get a Quote” button to get specialist medical travel insurance with COVID cover to protect your holiday.
Policy Features of Pre-existing Medical Condition Travel Insurances
Able2Travel offers 3 levels of cover for both Single Trip and Annual Multi-Trip Travel Insurance with existing conditions cover. Depending on the level of cover you choose there are different features on both policy types. The policy features table below will help you understand the different features between the 2 policy types.
|
Single Trip Policy Features |
|||
|
Silver |
Gold |
Platinum |
|
| Maximum age at date of departure (for Areas 1, 2 & 3) | No Limit | No Limit | No Limit |
| Maximum age at date of departure (for 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.
Frequently Asked Questions About Pre-existing Medical Condition Travel Insurance
1. Why Do I Need Travel Insurance for Pre-existing Medical Conditions If I Have GHIC?
While the GHIC (The UK Global Health Insurance Card) can give you access to 'necessary healthcare' in EU countries, at the same price as citizens of that country, there are limitations on what the GHIC card can do. It doesn’t cover the cost of medical repatriation if needed and doesn’t offer financial protection for cancellation or other mishaps such as damage to your baggage or losing your passports.
2. Can I Still Get Cover If My Medical Condition Is Under Medical Investigation?
If your medical condition is currently under medical investigation or isn’t diagnosed, we’re unable to provide cover for you until your GP or medical practitioner has diagnosed your medical condition.
3. How Much Does Pre-Existing Medical Condition Travel Insurance Cost?
The cost of our Travel Insurance with existing medical condition cover is influenced by many factors including the level of cover you have chosen, your age, any pre-existing medical condition you have, holiday duration, and destination.
If you have added our sports cover or cruise cover to tailor your policy, this will also affect the price.
4. What Area Do I Choose for My Pre-Existing Medical Condition Travel Insurance?
If you aren’t sure which area of cover to choose, please see below to find which area you need 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
5. How Do I Get a Pre-Existing Medical Condition 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.
- You can either click the ‘Get Your Quote Online’ button to get a quote online or call our specialist Travel Insurance team by calling this number +44 (0)1483 806 826 if you prefer to speak with someone.
- Declare the medical conditions you have by completing our medical screening process.
- Choose the appropriate level of cover and tailor the policy to your individual needs.
- Get your Pre-existing medical condition Travel Insurance quote.
Able2Travel Travel Insurance Policy Options
We've got lots of options, so here they are....
Cruise Cover Option
Add Optional Cruise Cover to your Able2Travel Travel Insurance policy to include specific cruise related cover for Missed Port, Cabin Confinement, Low/High Water, Shore Excursions, and Denied Boarding.
Winter Sports Cover Option
Winter Sports Cover will provide protection for lost, damaged or stolen ski equipment whether its owned or hired, and cover in place should you miss any prepaid activities.
Sports Travel Insurance
Add the Sports Cover Option to your Able2Travel Travel Insurance policy if you plan on taking part in sports whilst on your trip, including Golf!
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.