Top 10 Travel Medical Insurance Quotes for Medical Conditions (UK, 2025)

Top 10 Travel Medical Insurance Quotes for Medical Conditions (UK, 2025) Travel insurance is a crucial part of planning any trip, especially for UK residents with pre-existing medical conditions. Whether you have asthma, diabetes, heart conditions, or other health concerns, having the right travel insurance can save you from potentially devastating medical bills abroad.

This comprehensive guide breaks down the top 10 travel insurance providers tailored to those with medical conditions, providing clear details, typical quotes, and direct links for easy access.

 

Why Travel Insurance for Medical Conditions Matters?

Travelling with a medical condition means you might be more at risk of needing medical attention during your trip. Standard travel insurance policies may exclude coverage for pre-existing conditions, leaving you exposed to high costs or denied claims.

Insurance companies that specialise in medical conditions understand these risks and offer policies designed to cover:

• Emergency medical treatment related to your conditions
• Trip cancellations due to health issues
• Medical repatriation to the UK
• Medication replacement or loss
• Additional support services like 24/7 helplines

By choosing the right insurer, you gain peace of mind, knowing you’ll be supported no matter what happens.

How We Selected These Providers?

The companies listed below were chosen based on these criteria:

• Comprehensive coverage for a wide range of medical conditions
• Competitive pricing for UK travellers
• Strong customer service and claims support
• Flexible policies catering to different trip types and durations
• Up-to-date customer reviews and industry ratings

 

1. Just Travel Cover

Just Travel Cover is renowned for its flexible and inclusive policies, especially for travellers with complex medical histories.

• Medical Cover: Up to £15 million for emergency medical expenses worldwide.

• Pre-existing Conditions: Covers hundreds of medical conditions without an upper age limit. They offer tailored policies for more complex cases after medical screening.

• Additional Benefits: Includes cruise cover, winter sports, and “Smart Luggage” cover that pays out on lost baggage faster than many competitors.

• Customer Support: 24/7 emergency helpline staffed by medical professionals.

• Sample Quote: £18 for a one-week trip to Europe for a 40-year-old with a mild pre-existing condition.

• Why Choose Them? Ideal for travellers who want comprehensive cover with clear terms and no hidden exclusions.

• Website: justtravelcover.com

2. LV= (Liverpool Victoria)

LV= is one of the UK’s most trusted insurers, offering solid policies for those with medical conditions.

• Medical Cover: Up to £10 million on standard policies, with higher limits on Premier plans.
• Pre-existing Conditions: All pre-existing conditions are considered; medical screening may be required.
• Extras: Earn reward vouchers, excellent Defaqto 5-star rating, and good financial strength.
• Customer Experience: High marks for customer service and straightforward claims process.
• Sample Quote: From £14 for a week in Europe, age 40, no medical conditions (price increases with declared conditions).
• Website: lv.com

3. Santander Travel Insurance

Santander offers tiered policies from basic to premium, with options suitable for travellers with medical conditions.

• Medical Cover: Unlimited cover available on Platinum policies.

• Pre-existing Conditions: Optional add-ons available; full medical screening required.
• Additional Features: Gadget cover, family policies, and discounts for bank customers.
• Sample Quote: Starting at £16 for a one-week European trip.
• Website: santander.co.uk

4. Faye

Faye is a newer, tech-driven insurer focusing on ease of use and quick claims.

• Medical Cover: Up to £20 million on Platinum plans, with standard plans covering $250,000.
• Pre-existing Conditions: Some conditions covered; more complex cases may require add-ons.
• Extras: 24/7 helpline, pet cover, and extreme sports options.
• Ideal For: Younger travellers or those wanting digital-first service.
• Sample Quote: £20 for a one-week trip to Europe, age 40.
• Website: withfaye.com/uk

5. Cover For You

Cover For You is a specialist medical travel insurance provider offering extensive coverage for pre-existing conditions.

• Medical Cover: Typically £10 million+, depending on plan.
• Pre-existing Conditions: Covers a wide range, but requires medical screening.
• Discounts: Members’ club offers discounts and loyalty benefits.
• Sample Quote: £13 for a one-week European trip.
• Extra: Helpful for those with chronic conditions not covered by standard insurers.
• Website: coverforyou.com

6. AllClear

AllClear is widely regarded as a market leader for travellers with serious or multiple pre-existing medical conditions.

• Medical Cover: Unlimited on top-tier plans; up to £15 million on Gold Plus.
• Pre-existing Conditions: Specialist coverage includes cancer, heart disease, diabetes, and more.
• Service: Includes high cancellation cover, 24-hour medical assistance, and dedicated claims teams.
• Sample Quote: £28 for a one-week European trip with declared medical conditions.
• Perfect For: Travellers needing specialist underwriting and high-value cover.
• Website: allcleartravel.co.uk

7. Saga (for over 50s)

Saga specialises in insurance for older travellers, who often have pre-existing conditions.

• Medical Cover: Up to £10 million, with £20,000 cancellation cover.
• Pre-existing Conditions: Covered with no upper age limit; policies tailored for health issues common in seniors.
• Extras: Includes cover for winter sports and cruise holidays.
• Sample Quote: £22 for a one-week European trip for a 65-year-old with medical conditions.
• Why Choose Saga? Trusted brand with products designed specifically for older travellers.
• Website: saga.co.uk

8. Co-op Travel Insurance

Co-op offers straightforward policies with good medical coverage and no upper age limit.

• Medical Cover: Up to £10 million.
• Pre-existing Conditions: Fully considered with medical screening.
• Extra Perks: Children travel free on annual policies, cruise cover included.
• Sample Quote: £15 for a one-week European trip for age 40 without pre-existing conditions.
• Website: coop.co.uk

9. Post Office Travel Insurance

Post Office Travel Insurance is a popular choice for UK travellers with good coverage and strong customer support.

• Medical Cover: Up to £10 million.
• Pre-existing Conditions: Accepted with full disclosure.
• Benefits: 24/7 outpatient support, fast claims processing, and price-match promise.
• Sample Quote: £12 for a one-week European trip, age 40.
• Website: postoffice.co.uk

10. Leisure Guard

Leisure Guard is known for competitive pricing and flexible cover for medical conditions.

• Medical Cover: Typically £10 million+.
• Pre-existing Conditions: Covered with a 15% discount on some policies.
• Support: 24-hour medical assistance and high customer satisfaction.
• Sample Quote: £13 for a one-week European trip, age 40.
• Website: leisureguardtravelinsurance.com

How to Get the Most from Your Travel Insurance

• Declare All Medical Conditions: Never hide or omit pre-existing conditions. This can invalidate your policy.
• Book Early: Buying insurance immediately after booking your trip ensures cancellation cover.
• Read the Fine Print: Check what’s excluded, especially regarding activities or conditions.
• Keep Documentation Handy: Bring letters from your doctor, prescriptions, and emergency contact numbers.
• Use Specialist Providers for Complex Needs: Insurers like AllClear and Just Travel Cover are recommended if you have serious or multiple conditions.
• Consider Annual Multi-Trip Policies: If you travel frequently, these can be more cost-effective and convenient.

Final Thoughts

Choosing the right travel insurance when you have medical conditions is vital for a safe and stress-free trip. By comparing policies and understanding your needs, you can secure comprehensive coverage that protects your health and your finances. Always be honest about your medical history and seek specialist advice if needed.

Safe travels, and enjoy your trip with confidence!