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Travelling with pre-existing medical conditions

At AllClear, we've made it our mission to help anyone with pre-existing medical conditions to get the travel insurance they want and need. We provide cover for thousands of people with medical conditions travelling to relaxing, exciting, weird and wonderful places every year.

We don't see your age, or your medical conditions as barriers to travelling to your favourite places.


What are pre-existing medical conditions?

Any disease, illness or injury for which you have received medication, advice, or treatment, or you have experienced symptoms. These can include any of the following:
  • Heart-related conditions.
  • Blood circulatory conditions (e.g. high blood pressure or high cholesterol).
  • Diabetic conditions.
  • Breathing conditions (e.g. asthma).
  • Neurological conditions (e.g. epilepsy or stroke).
  • Treatment and conditions related to cancer.
  • Conditions related to in-patient hospital treatment or surgery.

We cover any medical condition!

Finding travel insurance when you have pre-existing medical conditions can sometimes appear difficult, but at AllClear we aim to make it as easy for you as possible. Since 2000 we have offered cover for over 1300 different medical conditions.

Why AllClear?
  • Save time by comparing quotes from a variety of insurance providers all in one place.
  • Expertise in the travel insurance screening process for pre-existing medical conditions.
  • You can obtain your quote online so no need to call unless you want to..
  • There's no upper age limit on our AllClear policies.
  • Any medical conditions covered.

What we cover!
  • Medical emergency expenses.
  • Cancellation/cutting short your trip.
  • Personal property.
  • Missed departure/travel delay.
  • Cruises.
  • Winter sports.
  • Golf cover.

FAQs on medical travel insurance

What if I am taking medication as a preventative?

If you are prescribed medication as a precaution and not for treating or controlling a current or previous medical condition, then you do not need to declare this.

However, if you are prescribed a medicine to control or prevent the return of a previously diagnosed condition e.g. medication that controls blood-pressure, then you will need to declare this condition to us.

What will affect my premium?

A number of combining factors will determine the level of risk undertaken by the insurer which will in turn affect the price of quotes presented to you. These factors include - number and severity of medical conditions declared; your age; how long your trip will last; where you are travelling to.
  • Medical condition
  • Using more than 15 years of comprehensive claims data we accurately assess your medical conditions and their severity to calculate the level of risk and determine the premium of our AllClear policies.
  • Destination
  • In some countries, if you fall ill you may be channelled through private hospitals rather than the state system. This means that if you were to need medical attention whilst on holiday your healthcare would be more expensive. Geographical location will also affect the cost of repatriation if required. This is factored into your premium.
  • Age
  • As we get older we become more likely to make a travel insurance claim and this affects the price of your premium.
  • Duration
  • The longer you're on holiday for the more likely it is that you will need to make a claim, and the risk is rated accordingly

The importance of declaring all conditions

Failing to declare a condition when taking out travel insurance could invalidate any claim resulting from that condition. Even managed conditions such as asthma, high cholesterol, low or high blood pressure, can become more difficult to control whilst on holiday due to changes in time zone, climate and lifestyle. So, to avoid the risk of leaving you or your family significantly out of pocket it's important to declare all your conditions.

Do I want a single trip or annual multi-trip policy?

Annual multi-trip travel insurance
If you are considering taking several trips throughout a 12 month period, it's worth considering an annual multi-trip policy as this could work out cheaper. With annual multi-trip insurance, you are covered for a number of trips within a 12 month period.

Whether you are a solo traveller, a couple or family, annual cover could be the cheapest option throughout your travels. Our comparison tool will allow you to compare policies from a variety of specialist travel insurance providers.

Single trip travel insurance
If you are travelling once during the year, or you're unsure of your travel plans single trip cover can be a cost effective solution. Cover can be arranged for the exact number of days you require and is suitable for a single person or a couple.

Our comparison tool will allow you to compare policies from a variety of specialist travel insurance providers. If you would like to know the difference in cost between a single trip policy and an annual multi-trip policy, simply select the button on the quote page and you'll be able to compare the cover and price difference.

What happens if my medical situation changes after I get my insurance?

If you develop a new medical condition or there is a change in your existing declared condition you must notify us at the earliest opportunity but in particular before you book or commence your journey.

This is important because insurance companies view as a 'change in the state of health' and consequently failure to declare could invalidate a claim.

Privacy  |  Disclaimer  |  Policy wordings

AllClear Travel Insurance is arranged by AllClear Limited, which is registered in Gibraltar company number 117274. Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. AllClear Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC1329B and trades into the UK on a freedom of services basis, FCA FRN 824283. AllClear Travel Insurance is administered by AllClear Insurance Services Limited, registered in England No. 04255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ. Authorised and Regulated by the Financial Conduct Authority firm reference number 311244. AllClear is a registered trademark.

*Diabetes UK may use a proportion of funds received from AllClear for developing and marketing our relationship with AllClear and the services they offer to our supporters.

**IPT - Insurance Premium Tax makes up 20% of the overall premium

***Diabetes UK Services Limited (a private limited company, registered in England & Wales, no 891004) is the wholly owned subsidiary of the charity operating as Diabetes UK and donates all of its taxable profits to the charity. Diabetes UK Services Limited is an introducer appointed representative (firm reference number 406756) of AllClear Insurance Services Limited.