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Chronic pain travel insurance.

Cancellation cover

Up to £7,500 per person with our Deluxe policy.

24/7 medical support

Practical help when you need it.

No age limit

Enjoy travelling whatever your age.

Unlimited medical expenses

Generous emergency medical cover with our Deluxe policy.

Getting you the right cover to travel when you have chronic pain

Being in chronic pain shouldn’t keep you from being able to travel as much as you’d like to, nor should it stop you from getting great travel insurance.

As expert providers of travel insurance for pre-existing medical conditions, we know that chronic pain may stem from having autoimmune, neurological and digestive conditions, as well as back problems and conditions such as fibromyalgia.

We appreciate that medical conditions can affect people and parts of the body in different ways. You might have fibromyalgia and rely upon a combination of medication and Cognitive Behaviour Therapy (CBT) to control your condition, or maybe you have back pain that’s caused by a slipped disc.

We can cover the following conditions that may cause chronic pain:

Telling us about the condition that causes the chronic pain and other medical conditions allows us to build a level of cover that considers your medical conditions and meets your individual needs. So you can enjoy your holidays knowing that you’ve got great travel insurance if you need it.


It's not just travel insurance, it's travel reassurance!

When you’ve got Avanti Travel Insurance, if something does go wrong - we'll always aim to put it right. Good to know, especially if you’re travelling with pre-existing health conditions.

That’s Travel Reassurance!

How do I declare my chronic pain when getting travel insurance?

To declare chronic pain in your travel insurance, you will need to tell us about the diagnosed condition that this chronic pain stems from, along with any other medical conditions that you may have.

Telling us about the nature of your medical conditions and how these affect your daily routine will mean we can consider this within the level of cover that we offer you.

If you didn’t mention the condition that causes your pain when taking out your travel insurance, and you needed to claim for any treatment related to this during your trip, we would not be able to cover it.

We want you to be able to travel with confidence, knowing that you’re covered for your pre-existing medical conditions, so you can enjoy your holidays worry-free.

Get a quote online for travel insurance for your pre-existing medical conditions, or call us for free on 0800 888 6195.

I am waiting for an investigation into the cause of my chronic pain, can I still get travel insurance?

If you are still under investigation to find the cause of your chronic pain we would not be able to cover you for any pre-existing medical conditions until you’ve received a diagnosis.

We might be able to provide you with standard cover without pre-existing medical conditions included, or, if we cannot cover you, we can signpost you to other providers that may be able to cover you. The British Insurance Brokers Association (BIBA) can assist you in finding alternative travel insurance that’s suitable for your medical condition.

Once you’ve received a diagnosis, we may be able to cover you for this condition, as long as your doctor has advised you are safe to travel, and you aren’t doing any of the following:

  • you are not travelling with the intention of receiving treatment, having tests or consultations when you are abroad
  • you are not travelling after being given a terminal prognosis
Cancellation and cutting your holiday short£1,000£5,000£7,500
Medical emergency and repatriation£5 million£10 millionUnlimited
Personal baggage£1,000£2,000£3,000
Missed departure-£1,000£1,500
Money and passport cover£300£500£600
Personal liability£2 million£2 million£2 million

Is my condition covered by my European Health Insurance Card (EHIC)?

If you are planning a holiday to Europe you will need to get an EHIC as a condition of our travel insurance.

The EHIC is free and entitles you to free healthcare in most European countries when you use their state provided healthcare. Before you travel, it’s best to check that your destination is covered by EHIC, so that you can be prepared if you do need any treatment during your holiday.

Your EHIC is not the same as having good travel insurance for your medical conditions and won’t cover you for things that might go wrong, such as having to cancel your holiday. That’s where your travel insurance with pre-existing medical conditions comes in. What your EHIC can do is reduce the medical costs where subsidised healthcare is available to you.

If you can use your EHIC to receive treatment during your holiday, and you have paid a subsidised fee, we will remove the excess fee for your medical emergency claims.

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Let's get your Avanti Travel Insurance

Talk to us today on 0800 888 6195. Or, you can get a quote online.