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Cover Pre-Existing Medical Conditions with Direct Travel Insurance

Our online screening process means you can declare most medical conditions quickly and easily.

Advanced medical declaration

Emergency medical assistance available 24 hours a day, 7 days a week

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Our benefits include:

Here's how we can help:

Pre-existing medical conditions can make it difficult to get a travel insurance policy. At Direct Travel Insurance, we're able to provide cover for thousands of medical conditions, both historical and current , including:

Don’t worry if your condition is not listed above - we cover plenty more medical conditions.
* Please note that cover will vary depending on individual medical screenings.

If you are currently prescribed medication or have regular checkups or treatment, don't worry, we can still cover most conditions. Please note that additional premiums may be required, dependent on the severity of your condition. 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 condition or you're not sure what to declare, give us a call on 0330 880 3600.

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

Get A Quote
Declare your conditions to get covered

Need help?

UK Customer Services0330 880 3600*

Open Monday to Friday 8:30am to 6pm, Saturday 8:30am to 4pm and closed Sundays

*Calls are recorded for training and monitoring purposes.

UK Emergency Assistance

Direct Travel (Allianz) - 01444 465 553 

AllSafe (Allianz) - 01444 465 553

Fit2Travel (Arch) - 01243 621 501

Clear4Travel (White Horse) - 01733 224 357

Freespirit (Canopius) - 0203 819 7170

Goodtogo (Red Sands) - 01444 465 573

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."