Travel insurance for pre-existing conditions

Can I get cover if I have medical conditions?

A pre-existing condition shouldn’t stop you going on new adventures when you choose a specialist travel insurance provider. With Avanti protecting your travels, you can leave the worry at home.

Take out your medical travel insurance as soon as you book your holiday, so you’ll be covered for:

• Cancellations or having to cut your holiday short due to medical emergencies
• Emergency medical expenses
• Help to get home in an emergency – (also known as repatriation)
• Lost or stolen money or baggage

Go ahead, relax and embrace your next adventure, knowing we’re here 24/7 should you need a helping hand with a medical emergency.

Flexibility to change details online

When you buy a holiday insurance policy from us, you can manage it yourself by logging in to your My Avanti account. Here you can:

• access policy documents
• update traveller details
• change your single trip dates (limits apply)
• renew an annual policy if you have no changes to make
• and more.

What is a pre-existing medical condition for travel insurance?

A pre-existing condition is any medical condition you live with. To be covered properly, you’ll need to let us know if you’ve had any of the following in the past two years:

• Symptoms of a medical or psychological condition
• Taken, been prescribed or awaiting surgery or treatment, including medication and procedures
• Medical investigations or consultations
• Non routine check-up and follow-up appointments

Also, if you’ve ever had any circulatory, heart or cardiovascular conditions, even if it’s been cured or is managed, we’ll need to know about that too.

What conditions does medical travel insurance cover?

We cover a whole bunch of medical conditions. Here’s some of the most common ones we cover:

• Heart conditions
• Cancer
• Digestive conditions (stomach or bowel)
• Breathing conditions
• Neurodegenerative diseases
• Eye conditions
• Neurological conditions
• Mental health conditions
• Autoimmune disorders
• Kidney conditions
• Back pain
• Chronic pain
• Allergies

And the list doesn’t stop there. Find out if your condition is covered, by getting a quote today.

What’s covered with medical travel insurance?

We know that not all travel insurance policies are created equally. So, it can be hard to compare and decide which is the best cover for you.

Here’s a summary of what you can expect from our policies:

What’s not covered?

Having travel insurance can help cover most unexpected holiday costs. But there are some types of claims that can’t be covered, including: 

• Travelling against the advice of a doctor
• Choosing not to travel
• Travelling abroad for medical treatment
• Medical conditions that you haven’t declared

Be sure to give your policy documents a read before you travel. That way you’ll know the ins and outs of what’s covered, and what’s not.

Having trouble finding cover for your pre-existing medical conditions?

We understand how important it is for your travel insurance to offer the right level of cover so you can travel with confidence. We cover most pre-existing conditions, but occasionally, we might not be able to help.

If that’s the case, we recommend checking out BIBA’s medical directory or calling them on 0370 950 1790. They can provide a full list of specialist medical travel insurance providers who might be able to help.

What is a medical screening?

When getting your quote, you’ll be asked to tell us about any medical conditions you may have. We’ll ask you a few simple questions about your condition so that we can find the right policy to suit your needs.

Some of the questions we might ask will be about your:

• Diagnosis
• Treatment or surgery
• Medical appointments
• Recent hospital admissions

We won’t need access to your medical records, but if you’re not sure about anything, it’s a good idea to speak to your GP before you give us a call.

Need to update your travel policy?

If your medical condition changes, or you need to make changes to your policy, we’ve got you covered. You can manage your travel insurance by logging into your My Avanti account.