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Which medical conditions can affect your travel insurance?

Eleanor Newis
Jan 29, 2019

Make sure you’re covered so you can enjoy your holiday.

If you’re off on a trip, you’ll want to have the peace of mind of knowing that your travel insurance will cover anything that might go wrong. You should be aware that any medical conditions you have can affect this.

Certain medical issues can mean that insurers won’t cover you for claims that are related to those conditions. They might also charge you unaffordable prices for your policies.

If you have been to the doctor for consultations or treatment for the following conditions, you might not be covered by standard insurance:

  • Heart conditions (including high blood pressure and high cholesterol)
  • Breathing conditions (this includes asthma)
  • Joint and bone inflammation
  • Gastrointestinal problems
  • Diabetes
  • Chronic illnesses (including cancer)
  • Strokes
  • Epilepsy
  • HIV

Some people are scared off by the difficulty of finding a policy that will cover them and therefore just travel without insurance. This is not advisable for anyone, but is particularly risky when you have a pre-existing medical condition.

The costs of getting treatment for your condition in a foreign country can be massive, as well as the cost of having to arrange transport back if you are unable to make the journey you originally planned.

It is also worth noting that some countries have a mandatory requirement for tourists to have bought travel insurance before they are allowed to enter, such as Russia.

The Foreign and Commonwealth Office says it has seen a bill of £100,000 for an infection that had to be treated in America. Another example is one fall in Spain that ended up costing a tourist £15,000 because they broke their hip. The traveller in question needed care and then needed to be flown back to the UK.

When looking for a suitable travel insurance policy, you should be aware that lots of insurers will not be helpful when you have an ongoing medical condition.

But there are many specialist travel insurance firms that are more likely to be of use to you. They can be more difficult to find, but with some research you can grab a good deal for yourself. 

Use a price comparison website like A Spokesman Said to make sure that you shop around for the best policy, and go for the once that suits you and your trip. This way, you can enjoy your holiday knowing you’re covered should anything happen, and you can avoid paying extortionate premiums just because of your medical circumstances.


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But these battles cost us money. You could help us fund these fights by using our price comparison site, A Spokesman Said for your energy, car insurance and household bills.

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