Travel insuranceis an important part of going away. Whether you're travelling around the UK or going abroad, make sure you and your travel companions are protected with comprehensive cover.
Travel insurance with pre-existing conditions
Admiral offers bothSingle TripandAnnual Travel Insurancewith three tiers of cover to choose from: Admiral, Admiral Gold and Admiral Platinum.
Admiral | Admiral | Admiral | |
|---|---|---|---|
Excess | £100 | £75 | £50 |
Emergency medical treatment&repatriation (Limits upto) | £10M | £15M | £20M |
Cancellation or cutting short your trip (Limits upto) | £1.5K | £3K | £5K |
Personal belongings (Limits upto) | £1K | £2K | £2.5K |
Money & documents (Limits upto) | £300 | £400 | £500 |
Read the full list of benefits in the policy summarybooklet.
Make sure you’re covered and fit for travel
Fit for travel means you’re healthy and able to travel without concern. If you’re in any doubt, speak to your doctor. You won’t be covered if your doctor considers you unfit for travel.
Before you buy or renew your cover, you need to state if you or anyone named on your policy has a pre-existing condition. This includes medical conditions you’ve had within the last two years.
You should also let us know if anything changes with your health at any point after taking out the policy.
We need to know about:
- Advice, treatment or prescriptions from a doctor
- Investigation of your health or waiting for diagnosis
- Being on a waiting list for inpatient treatment or knowing you need inpatient treatment
What’s a pre-existing condition or illness?
A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance, whether that’s having symptoms, tests, diagnosis or medical treatment.
This includes:
- Urinary tract infections
- Cancers
- Heart conditions (irregular heartbeat/angina/heart disease)
- Diabetes
- Circulatory conditions (strokes/high blood pressure/high cholesterol)
- Breathing conditions (asthma/chronic obstructive pulmonary disease (COPD))
- Gastro-intestinal or digestive conditions (Crohn's disease/IBS)
- Bone or joint conditions (arthritis/gout)
- Psychiatric or psychological conditions (anxiety/depression)
- Terminal prognosis
You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 2349913.
Your pre-existing conditions won’t be covered unlessyou’ve:
- Declared them all on yourpolicy
- Received written confirmation that we’ll cover your medicalcondition
- Paid any additional premium infull
Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on yourpolicy.
If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim yousubmit.
For a quote with us, click the green button above.
The MoneyHelper directory
If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medicaldirectory.
If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bankholidays.)
Why do I have to tell my insurer if I have a pre-existing condition?
Having travel insurance for existing medical conditions means you’re fully covered should anything happen on your trip relating to your pre-existing condition.
If you require medical assistance, the experts at the emergency assistance service will be able to advise you on the best care.
Your pre-existing conditions won’t be covered unless you’ve declared them all on your policy, received acceptance of this in writing, and paid any additional premium in full. If you don’t tell us about your pre-existing conditions or give us incorrect information your policy may be invalid, we may refuse your claim or not pay your claim in full.
Claims are also often denied for people who:
- Travel against the advice of their doctor, or don’t seek advice where travel would have been denied
- Travel to receive treatment e.g. an operation in a foreign country
- Fail to take necessary medication e.g. any prescribed medicines or inoculations
Can I get cheap travel insurance with a pre-existing condition or will my price be more expensive?
It’s not impossible to get cheap travel insurance with pre existing conditions, but you shouldn’t sacrifice cover for the sake of paying less.
Your insurance cost usually depends on:
- Number of travellers on your policy
- Where you’re travelling to
- The type of pre-existing condition(s)
I was diagnosed with a medical condition after I booked my insurance – am I still covered?
Yes, usually, if:
- Your doctor says you’re fit for travel
- You've told us about these changes to your health
When you tell us about a new medical condition and we agree to cover it, you may have to pay a bit more.
If you don’t agree with any changes to the terms and conditions, you may get a full or partial refund. If we can’t cover you, you may be able to cancel your holiday if it hasn’t started.
Can I make a claim once I return home?
Claims for medical emergencies should be made while you’re away from home on your trip.
Please call our 24 hour Emergency Assistance Helpline on +44 (0)292 010 7777 before cutting your trip short, going into hospital or incurring medical expenses over £500.
Non-medical claims, for example claiming back money spent, can be submitted when you’re back home. If you’re in any doubt, it’s best to contact us to check, or visit ourMake A Claimpage for more information.
