Cover Pre-Existing Medical Conditions

Travel Insurance for Pre-Existing Medical Conditions

Pre-existing medical conditions can make it difficult to get a travel insurance policy. If you are currently prescribed medication, undergoing treatment, or having regular checkups, this shouldn't mean you have to travel without cover. At Direct Travel Insurance we're able to provide cover for hundreds of medical conditions.

Please note that additional premiums may be required, dependent on the condition itself, alongside severity and management factors. To find out if we can cover your pre-existing medical condition, proceed through the quote process - you'll be able to look up your condition using our medical screening.

If you can't find your medical condition here, or are not sure what to declare, please give us a call on 0330 880 3600. We'll be more than happy to help.

Autoimmune Conditions

Blood & Circulatory Conditions

Cancer

Diabetes & Hormonal Conditions

Eyes, Ears, Nose & Throat

Gastrointestinal & Digestive Conditions

Heart Conditions

Infections

Kidney, Liver & Urinary Conditions

Mental Health Conditions

Musculoskeletal Conditions

Neurological Conditions

Respiratory Conditions

Skin Conditions

Other

• ADHD
•  Alzheimer's
• Anxiety
• Anorexia
• Angioplasty
• Arthritis
• Asthma
• Bipolar
• Breast Cancer
• Broken Bones
• Cancer
• Cancer Diagnosis
• Chickenpox
• Claustrophobia
• COPD Disorder
• Coronary Heart Disease
• Dementia
• Diabetes
• Disability
• Depression
• Down's Syndrome
• Encephalitis
• Epilepsy
• Fear of Flying
• Glandular Fever
• Heart Condition
• Hernia
• High Blood Pressure
• High Cholesterol
• HIV
• Impetigo
• Motor Neurone Disease
• Osteoporosis
• Pancreatitis
• Retinopathy
• Scleroderma
• Slipped disc
• Stroke
• Ulcerative Colitis
• Vertigo

What happens if I don't declare a pre-existing medical condition?

If you do not declare a pre-existing medical condition, or other condition which falls within the medical declaration, you will not be covered to make a claim under any section of your policy. To make sure that you are appropriately covered and can make a claim if needs be, please make sure you are completing the medical section honestly and accurately for each traveller on the policy. If you have any queries, or need clarification on anything, please call out customer contact team on 0330 880 3601.

It's important to know:

1. If you have a medical condition, please make sure you disclose it when buying your policy. Direct Travel Insurance will not provide cover for undeclared medical conditions.
2. You must be 18 years old or over to purchase a policy.
3. We are unable to provide cover for countries where the Foreign, Commonwealth, and Development Office (FCDO) have advised against all, or all but essential, travel. Please visit the FCDO Foreign Travel Advice page to check the latest warnings. Alternatively, you can call them on 0207 008 5000.
4. This product is available for UK residents only.
5. Upper age limits may apply.
6. The 15% online discount will not apply to any optional, additional cover.
7. Please check our Policy Wording for full terms & conditions. If you have any questions please visit the FAQ page or contact us.

What if I am older than the maximum age?

You may be able to obtain an alternative travel insurance policy by contacting: 

British Insurance Brokers Association
Tel: 0370 950 1790 (lines open Mon-Fri, 9am-5pm)
Website: Find Insurance - BIBA

The Money Advice Service
Tel: 0800 138 7777
Website: Travel Insurance Directory | MoneyHelper