Travelling with a terminal illness is something many people want to do, whether for a final holiday or to see family. Insurance can be harder to find and may come with limits, but it’s not always impossible. This guide is general information, and your care team can advise on whether and how to travel.
What’s possible
Some specialist insurers will consider people with a terminal prognosis. Cover may be limited, with exclusions for the condition itself, or for cancellation and curtailment. Prices can be high. Mainstream insurers are less likely to offer cover, though it’s worth asking.
Be prepared for the questions
- Your diagnosis and prognosis
- Current treatment and medication
- Recent hospital stays
- Whether your doctor says you’re fit to travel
- The destination and how long you’ll be away
Answer honestly. An undeclared condition can invalidate cover. See what is a medical screening.
Where to look
- The MoneyHelper directory. It lists FCA-regulated firms covering serious conditions. See how to use the MoneyHelper directory.
- Specialist brokers. Some deal specifically with complex medical cases.
- Charities. Some health charities offer information or signpost to insurers.
Check what’s actually covered
- Is emergency medical cover provided for the condition, or only for unrelated problems?
- Is cancellation cover included if your health changes? See cancellation cover.
- Is repatriation covered? See repatriation cover.
- What are the medical limits for your destination?
If you can’t get cover
You can still plan carefully:
- Consider a destination with a state healthcare agreement. See GHIC vs travel insurance.
- Choose flexible bookings and refundable options.
- Choose a trip close to home, or with good medical facilities.
- Talk through the risks with your doctor and family.
Practical tips
- Carry a medication list, doctor’s letter and contact details.
- Ask your airline about any medical assistance needed.
- Check whether you need a fit-to-fly letter.
Frequently asked questions
Can I get travel insurance with a terminal illness?
Sometimes, from specialist insurers, although cover may be limited and expensive. Mainstream insurers are less likely to offer cover.
Will the insurer cover my illness?
Not always. Some policies cover only unrelated problems, so check what’s excluded.
Where do I find specialist insurers?
The MoneyHelper directory lists FCA-regulated firms offering cover for serious conditions.
Do I need a doctor’s letter?
Insurers or airlines may ask for one, so ask your doctor about a fit-to-travel letter.
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.
