Always declare pre-existing medical conditions. Holidays are supposed to be a time of fun and relaxation, but if things go wrong, the cost of medical treatment can be very expensive. When taking out cover, it’s important to answer all questions fully and honestly, especially on any pre-existing medical conditions. This is essential to help ensure you have the right policy to meet your needs and that you have no issues at the point of claim.

Your insurer will outline what conditions, and for what timeframe, they expect you to declare. However, if you are unsure at any point during the process - or if your circumstances change during your policy - speak to your insurer or insurance broker.  

It’s important to read your policy documents carefully so that you know exactly what you’re covered for and any exclusions. 

Shop around to find appropriate cover. The UK market is highly competitive and generally cover is available for many pre-existing medical conditions from a wide variety of insurance providers.

However, some people may need to go to a specialist travel insurer. A broker may also be able to refer anyone struggling to find insurance to a provider who can help.  

We’d always encourage taking out a policy that meets your needs, not just based on price. 

Change your destination and the length of your trip. Longer and more distant trips, especially to destinations where medical treatment is expensive, like the USA or Mexico, can impact the price of cover. In comparison, the price of cover for shorter trips within the UK or Europe is often lower. 

Switch your type of cover. You may also find that switching from a multi-trip policy to single-trip policy (or vice versa) could result in lower premiums. 

Consider using a specialist provider. If you cannot find cover with a mainstream insurer, the Money Helper list is a useful tool to help find specialist providers.  

An insurance broker may also be able to help. The British Insurance Brokers’ Association runs a ‘Find Insurance’ service that can help you find a broker. 

Take your GHIC or EHIC. Whilst the Global Health Insurance Card (GHIC) and the European Health Insurance Card (EHIC) aren't alternatives to travel insurance (they won't cover you for medical repatriation, cancellation, or stolen property) they may allow you to access state-provided healthcare in participating countries at a reduced cost or free of charge. So be sure to take them with you and keep it on your person throughout your trip. UK citizens can apply for a new GHIC. It is free and lasts for up to five years.