Travel Insurance with pre-existing medical conditions

With an advanced online medical screening system it is now easy to get covered for most existing conditions.

Simple online medical screening process

Emergency medical assistance 24 hours a day, every day.

Get a free, instant quote


Policy Type

Single Trip: Cover for a single trip starting in the UK and ending in the UK

Annual Multi Trip: Annual cover for any number of trips starting and ending in the UK (limited to a maximum number of days for each trip, unless a trip extension additional cover option is purchased).


Trip Type

WinterSports: Cover for wintersports trips.

Cruise: Cover for cruises.

Golf: Cover for golf.

Countries: Areas of Travel: ?


Single Trip: Please enter the country you are going to. Multiple countries can be added.

Areas of Travel

Annual Multi Trip: Please select an area of travel.

UK: United Kingdom & Isle of Man - England, Scotland, Wales, Northern Ireland and the Isle of Man.

Europe 1: Europe 1 - (other than Europe 2 countries as listed below) including: Austria, Azores, Belgium, Bulgaria, Channel Islands, Corsica, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russia (west of the Ural mountains), San Marino, Sicily, Slovak Republic, Slovenia, Sweden.

Europe 2: Europe 2 - including Europe 1 shown above and the remaining countries west of the Ural mountains and Andorra, Balearics, Canary Islands, Cyprus, Greece, Spain, Switzerland, Turkey

Australia New Zealand: Australia and New Zealand

Worldwide Exc USA/Canada/Caribbean: Worldwide - excluding Canada, Caribbean and USA

Worldwide: Worldwide - including Canada, Caribbean, and USA

  • You have selected the following countries


Single trip: Cancellation cover starts when You purchase this insurance or when You book Your Trip, whichever is the later.

Annual Multi Trip: Cancellation cover begins on the start date you choose or, if later, when you book your trip.



Please ensure the dates you select cover you from the time of leaving home to your return home at the end of the trip.


No. Travellers

Number of travellers: Please select the Number of people to be covered on this policy

Medical Travel Insurance - Our benefits include

Here are some common medical conditions for which cover is available

If you have a pre-existing medical condition we know that buying travel insurance can be tricky. We offer cover for disclosed pre-existing medical conditions for our customers. Here are some common conditions which cover is available for:

  1. Arthritis
  2. Asthma
  3. Cancer
  4. High Cholesterol
  5. Dementia
  6. Diabetes
  7. Depression
  8. Epilepsy
  9. Heart Condition
  10. High Blood Pressure
  11. Pancreatitis
  12. Retinopathy
  13. Slipped disc
  14. Ulcerative Colitis

Don’t worry if your condition is not listed above. We provide cover for many more conditions...

If you are currently prescribed medication for a condition or have consulted a hospital specialist within the last 12 months, don’t worry, we still cover most conditions. Please note, additional premium may be required dependent on the severity of the condition. To find out if we can cover your medical condition simply enter your trip details and proceed through the quote process. You will be able to look up any medical condition and find out if we cover it with our online medical screening process.

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

It is important that all medical conditions are declared before a policy is purchased. If you don’t tell us about a pre-existing medical condition and you need to make a claim then cover will not be provided for that medical condition. To avoid this make sure that all conditions are disclosed before buying your policy.

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 or over to purchase.
  3. We are unable to provide cover for countries where the Foreign Office has warned against all but essential travel. Please visit the FCO website to check updated warnings. Alternately, you are able to call them on 020 7008 0232 or 020 7008 0233.
  4. This product is available for UK residents only.
  5. Upper age limits may apply.
  6. Online discount will not apply to any optional extra 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: 0870 950 1790 (Lines open 9.00am - 5.00pm Monday to Friday)

Get A Quote
How to purchase your Pre-existing medical cover?

Need help?

UK Customer Services0330 880 3600

Open Mon - Fri 8.30am - 6pm.
Sat 8.30am - 4pm.
(Calls may be monitored or recorded)

Emergency AssistanceContact details for 24 emergency assistance can be found on your policy documents

Available 24 hours a day, every day

What our customers say:

  1. "Very easy to do travel insurance online and now that you can add medical conditions, rather than calling up and going through lots of questions it’s brilliant."
  2. "I have used Direct travel insurance for a good number of years and have been extremely happy with their service and prices. This years renewal (3/3/14) was the first I have undertaken on-line and I found the process clear and easy to use."
  3. "Quick and easy, good rates for my health problems, would highly recommend."