Travel Insurance for Other Medical Conditions

What are other medical conditions?

Not every medical condition fits neatly into one particular category. Some affect several parts of the body, while others have very different causes, symptoms, and treatments. That's why we've brought together a range of conditions that don't fall under our other medical categories.

These include allergies and anaphylaxis, gynaecological conditions such as endometriosis and fibroids, and longer-term problems involving chronic pain or fatigue. We've also included a guide to disability and travel insurance, which covers some of the considerations that may be relevant to disabled travellers.

The treatment you receive, your medical history, and any complications can all influence the travel insurance available to you.

We have individual guides for several conditions, including:

• Allergies
• Anaphylaxis
• Angioedema
• Chronic Pain Syndrome
• Disability
• Endometriosis
• Fibroids
• Heat Exhaustion and Heatstroke
• Pelvic Inflammatory Disease
• Polycystic Ovary Syndrome
• Post-Viral Fatigue

Can't find what you're looking for? We can consider hundreds of medical conditions, so you can search for yours by name during medical screening.

Can I get travel insurance with one of these conditions?

Yes, plenty of people with all manner of medical condition can get insurance through us. The cover available and how much it costs will depend on your individual circumstances.

For example, someone with a severe allergy requiring adrenaline auto-injectors may have different screening requirements than  someone receiving ongoing treatment for endometriosis or chronic pain.

You'll need to declare any relevant conditions that fall within our medical screening questions, even if your symptoms are well managed. Not declaring a condition when required could affect a future claim.

The medical screening
When you get a quote, you'll be asked to search for your condition and answer some questions about it. Depending on your diagnosis, these might cover prescribed medication, hospital admissions, previous treatment, or whether you're waiting for further investigations or surgery.

Your answers help us assess whether cover is available and at what premium. Your age, destination, and trip duration will also affect the price, and you may be able to choose between single trip and annual multi-trip travel insurance.

Certain medical circumstances, such as waiting for surgery or ongoing investigations, can affect eligibility. In some cases, we may be unable to offer cover.

Changes to your health
If your medical circumstances change after purchasing your policy, you must let us know before travelling. This might include starting new medication, receiving a diagnosis, being admitted to hospital, or being referred for further treatment.

We may need to review your cover or refer the changes to your policy's underwriter to make sure your insurance still reflects your circumstances.

What can travel insurance cover?

If your medical condition has been declared and accepted, your travel insurance may provide cover for unexpected medical emergencies relating to it while abroad.

For example, someone with a severe food allergy might experience anaphylaxis while on holiday and require urgent hospital treatment. Depending on the circumstances, their policy may cover the associated emergency medical expenses and assistance getting home if medically necessary.

Cancellation cover may also help recover non-refundable holiday costs if your condition unexpectedly worsens and you're medically advised not to travel.

Planned medical treatment abroad isn't covered, and claims involving undeclared medical conditions may be refused or not fully paid. All cover is subject to your policy's terms, conditions, limits, exclusions, and excesses.

Practical tips for travelling

These are general tips and sit outside your insurance cover.

With such a broad range of conditions, the preparations you need to make will depend on your health and the type of holiday you're planning.

If you have a severe allergy, make sure you understand how to avoid your triggers while abroad. Translated allergy cards can be useful when eating out, and anyone prescribed adrenaline auto-injectors should carry two in-date devices at all times.

For people living with chronic pain, fatigue, or conditions that cause unpredictable symptoms, allowing extra rest time can make travelling more manageable. Consider your transport arrangements, accommodation, and any activities that might be physically demanding.

If you have a disability or use mobility equipment, check the accessibility of your accommodation and transport before booking. Airlines and airports can also provide assistance, which is best arranged in advance.

Hot weather is another consideration, particularly if you have previously experienced heat-related illness or have a condition that makes it harder to regulate your temperature. Staying cool, avoiding strenuous activity during the hottest part of the day, and keeping hydrated can help reduce the risk.

Remember to pack any prescribed medication and essential supplies in your hand luggage. Our guide to travelling abroad with medication has more information about preparing for your journey.

Get a quote

Enter your trip details and complete the medical screening for any relevant pre-existing conditions. We'll show you any available travel insurance options and their prices, so you can compare policies before deciding whether to buy.

Get a Quote