Can I Get Trip Insurance with Pre-Existing Medical Conditions? UK Guide 2025
If you have pre-existing medical conditions, getting trip insurance can be tricky, but it’s definitely possible. Here’s what UK travellers need to know in 2025.
What Are Pre-Existing Medical Conditions?
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Any illness, condition, or injury you had before buying your trip insurance
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Can include chronic diseases, recent surgeries, or ongoing treatments
How Pre-Existing Conditions Affect Trip Insurance
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Some insurers exclude coverage for these conditions
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Others offer cover if you declare conditions and meet certain criteria
How to Get Covered
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Always disclose your medical history truthfully
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Look for policies that specifically cover pre-existing conditions
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Be prepared for possible higher premiums or additional documentation
Tips for Travellers
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Obtain a medical certificate or clearance if needed
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Compare specialist insurers that focus on pre-existing conditions
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Check the policy wording for exclusions and limits
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