When you buy travel insurance with a medical condition, you’ll go through a medical screening. It’s a set of questions to help the insurer assess the risk and decide whether to cover you, and at what price. Here’s how it works.
What is a medical screening?
It’s a questionnaire, online or by phone, asking about your health. It usually starts with a question like whether you’ve had any medical conditions, then asks about the details of each one you declare. Not everyone has to answer in depth, but you must answer every question accurately.
What does it ask?
- Diagnoses and when they were made
- Treatment, surgery and medication
- Hospital admissions and outpatient visits
- Symptoms you’ve had that you haven’t had a diagnosis for
- Tests or investigations pending
- Any changes to your health or medication
How to prepare
- List your conditions and medication, including doses.
- Note dates of diagnosis, treatment and last hospital visits.
- Have details of any tests or appointments scheduled.
- Check your GP records or letters if you’re unsure.
- Take your time, and ask for clarification if a question isn’t clear.
Possible outcomes
- Covered at the standard price
- Covered with an extra premium
- Covered with the condition excluded. Read carefully, as claims related to it won’t be paid.
- Declined. Try other insurers, specialists and the MoneyHelper directory. See how to use the MoneyHelper directory.
Be accurate
If you don’t answer fully or accurately, a claim could be refused or reduced. If you’re unsure whether something is relevant, mention it. See pre-existing conditions and common exclusions.
After the screening
- Keep a copy of your answers and the confirmation of cover.
- Tell the insurer if your health changes before you travel.
- Check what’s covered. See what travel insurance covers.
Frequently asked questions
Do I have to complete a medical screening?
If you have a medical condition, the insurer will ask about it, and you must answer fully for cover to be valid.
What if I forget something?
Contact the insurer as soon as you remember and update your declaration.
Can I get a copy of my answers?
Yes. Keep a copy or ask the insurer for a summary.
What if I’m declined?
Try other insurers, specialist firms and the MoneyHelper directory.
Related travel insurance guides
- What Happens If You Get Ill Abroad Without Travel Insurance?
- How to Use the MoneyHelper Travel Insurance Directory
- Travel Insurance After Cancer: How to Find Cover
- 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.
