Mental health conditions are as important to disclose as physical ones when buying travel insurance. Many insurers cover people with common conditions such as anxiety or depression, and the process is often straightforward. Here’s what to expect.
What you may need to declare
Insurers vary in what they ask. Questions may cover diagnosed conditions such as depression, anxiety, bipolar disorder or schizophrenia, medication, therapy, hospital admissions and recent changes in treatment. Read each question carefully and answer it accurately. See pre-existing conditions.
What insurers typically ask
- Your diagnosis and when it was made
- Medication and any recent changes
- Whether you’ve been in hospital or had inpatient care, and when
- Whether you’re currently being assessed, on a waiting list or awaiting a change in treatment
- Whether your condition is stable
See what is a medical screening.
How it affects cover and price
For a stable, well-managed condition, many insurers offer standard cover or add a modest amount. More complex histories or recent admissions can lead to higher prices, exclusions or declines. Different insurers assess differently, so compare.
Cancellation for mental health reasons
Many policies accept cancellation because of illness, which can include mental health conditions, but you usually need a doctor’s confirmation, and the condition must have been declared. Check the cancellation wording. See cancellation cover.
If you’re declined or excluded
- Compare other insurers and specialist firms.
- Use the MoneyHelper directory. See how to use the MoneyHelper directory.
- Check what an exclusion would mean for a claim linked to your condition.
Practical tips
- Take enough medication for your trip plus spares, in hand luggage, with a prescription or doctor’s letter.
- Check the rules on bringing your medication into your destination country.
- Plan for time zone changes and routine with your doctor.
- Keep contact details for your doctor or support service.
Frequently asked questions
Do I need to declare anxiety or depression?
If the insurer’s questions cover them, yes. Answer honestly, as undeclared conditions can affect claims.
Will a mental health condition make cover more expensive?
It can, depending on the condition, treatment and stability, but many people get cover at reasonable prices. Compare quotes.
Can I cancel a trip because of my mental health?
Often if a doctor advises you can’t travel and the condition was declared, but check the cancellation wording.
What if I’m declined?
Try specialist insurers 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.
