If you’ve been declined travel insurance or quoted a very high price because of a serious medical condition, the MoneyHelper travel insurance directory is a good place to look. Here’s how it works.
What is the directory?
MoneyHelper is a free, government-backed money guidance service provided by the Money and Pensions Service. Its travel insurance directory lists firms that can provide cover for people with more serious or complex pre-existing medical conditions. Firms in the directory are authorised and regulated by the Financial Conduct Authority (FCA).
Who is it for?
- People who’ve been declined cover by mainstream insurers
- People whose condition was excluded
- People quoted a price they can’t afford
- People with conditions such as cancer, heart disease or terminal illness. See after cancer and heart conditions.
Under FCA rules, firms selling travel insurance should signpost to the directory in certain circumstances, such as when they can’t cover your condition. Check the current rules.
How to use it
- Go to the MoneyHelper website and find the travel insurance directory.
- Search by the type of condition, or by the kind of cover you need.
- Review the list of firms and their contact details.
- Contact several firms and get quotes.
What to check when you find an insurer
- Is your condition covered, or excluded?
- What is the medical limit for your destination? See travel insurance for the USA.
- Is cancellation cover included for health-related reasons? See cancellation cover.
- Is repatriation covered? See repatriation cover.
- What is the excess?
- Is the firm on the FCA register?
Other directories
The British Insurance Brokers’ Association (BIBA) also runs a service for finding brokers who cover certain conditions, and it meets the FCA’s requirements. Specialist brokers can be worth a call.
Be ready for the questions
Have your diagnosis, medication and treatment details to hand. See what is a medical screening and pre-existing conditions.
Frequently asked questions
What is the MoneyHelper travel insurance directory?
A directory of FCA-regulated firms that can cover people with more serious pre-existing medical conditions.
Is it free to use?
Yes. MoneyHelper is a free service.
Do I have to use the directory?
No. It’s an option if mainstream insurers decline you or the price is too high.
Are the insurers in the directory regulated?
Yes, they’re authorised and regulated by the FCA, but check the FCA register yourself.
Related travel insurance guides
- What Happens If You Get Ill Abroad Without Travel Insurance?
- Travel Insurance After Cancer: How to Find Cover
- Travel Insurance With Asthma or COPD
- What Does Travel Insurance Cover? A Plain-English UK Guide
- How Much Does Travel Insurance Cost in the UK in 2026?
This article is general information, not financial or insurance advice. Always read the policy documents before you buy.
