Medical Travel Insurance

Pre-existing medical conditions? No Problem

Travel insurance with cover for pre-existing medical conditions and no upper age limit.

  • 24-hour emergency medical support
  • Covid-19 cover included

Awards & Accreditations

Total Travel Protection is brought to you by Ancile Insurance Group Limited who have been specialising in travel insurance cover for medical conditions and older travellers since 2010.

Travel insurance for pre-existing medical conditions

Living with pre-existing medical conditions is a fact of life for many people of all ages.

At Total Travel Protection, we believe your medical history should not be a problem when getting travel insurance cover for a holiday abroad, that’s why our policies provide cover for pre-existing medical conditions of all types.

We are not like other travel insurers, we don’t just say we can cover existing medical conditions, we really do!

Our policies can cover anything from mild asthma and broken bones to COPD, diabetes, cancer, and heart conditions, including if you are on a waiting list for treatment and also a terminal prognosis, so long as it is longer than 6 months from the return date of your trip.

To find out how much it will cost to get travel insurance cover for your existing medical conditions, simply get a quote.

Travel insurance cover and benefits

  • Emergency medical & repatriation up to £10 million (Platinum Cover)
  • 24 hour emergency medical assistance
  • Cancellation cover up to £6,000 (Platinum Cover)
  • Cover for mobility aids and prescription medication
  • Personal property up to £3,000 (Platinum Cover)
  • Personal liability up to £2 million (Platinum Cover)
  • Legal expenses up to £25,000

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travel insurance cover and benefits - couple holding hands on the beach

Medical screening with a difference

To give holiday makers and travellers a choice and to help them get fair priced travel insurance, we use a different system for medical screening to most other travel insurance providers. That’s why you won’t find us on price comparison sites.

You can still get a quotation in minutes and complete your medical screening online or by phone, but we will ask you different questions, and assess your medical conditions in a different way which could lead to a better price.

Medical travel insurance protection

Medical travel insurance from Total Travel Protection will be specifically tailored to cover you, your pre-existing medical conditions, and your holiday. Providing travel insurance cover for emergency medical expenses whilst you are abroad and access to our 24-hour emergency medical assistance team by phone, from wherever you are in the world.

Cover is also available for mobility aids, prescription medication, cancellation, personal possessions, legal expenses, personal liability and much more.

Medical travel insurance - Buy online

You can get instant medical travel insurance cover on our website, 24 hours a day, 365 days a year, including cover for your pre-existing medical conditions. Our full range of travel insurance products and medical screening are available online.

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Medical travel insurance by phone

If your travel insurance requirements are more complicated due to your existing medical conditions, or you just simply prefer to talk to real person, our expert team are just a phone call away.

You can call us on:  0330 053 3747

We are open during the following times: 
Sales: Monday to Friday 9am - 7pm. Saturday and Sunday 9am - 5.30pm.Customer service: Monday to Friday 9am - 5pm.

Our medical travel insurance prices are the same whether you buy online or by phone, so you can choose whichever suits you best.

Travel insurance by phone - friendly call agent
single trip travel insurance with cover for medical conditions and no age limits

Single trip insurance

Our single trip medical travel insurance is designed to cover you and your pre-existing medical conditions for one specific holiday or trip, from the time you leave your home, to the time you arrive back again.

We can cover holidays up to 94 days in duration to any destination in the world (providing the Foreign, Commonwealth and Development Office is not advising against non-essential travel).

Single trip insurance

Medical travel insurance for cruise holidays

Cruise insurance

Cruise holidays (both river and ocean cruises) are covered as standard on all medical travel insurance policies from Total Travel Protection.

Remember to declare your pre-existing medical conditions, as medical treatment onboard ship can be expensive if you are not fully covered by your travel insurance.

We can cover individual cruise holidays up to 94 days in duration. You will need to tell us all the different countries you will be visiting when you get a quotation.

Cruise insurance

Additional cover options

Additional cover including gadget, natural catastrophe and waiting list cover can be selected during the quote process.

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Natural catastrophe provides extra travel insurance cover for cancellation and unexpected additional expenses caused by catastrophic natural events such as hurricanes, fire, flood and volcanic eruptons. Read More

This optional cover extends your travel insurance to include cover for loss, theft and damage to your gadgets, such as phones, tablets and smartwatches whilst you are away on your holiday. Read More.

Our travel insurance policies provide cover for a number of sports and activities as standard, including trekking up to 2000 metres, sailing within 12 nautical miles of shore and glass bottomed boat trips. Additional cover for more adventurous activities can be added. Read More

Ideal for cruise, coach or rail holidays that start from an overseas location, our Missed Connection option extends your travel insurance to include cover for additional expenses if you miss a connecting flight, ferry, cruise ship, train, or motor vehicle as a result of a delay to your initial international outbound transport.

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Our terrorism cover extension provides additional travel insurance cover to enable you to cancel or cut short your trip if a terrorist act occurs within a 40-mile radius of your pre-booked accommodation.

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This option extends the cancellation and curtailment section of your travel insurance to include unrecoverable holiday costs, such as transport, accommodation, and foreign car hire, if your pet dog or cat needs emergency life-saving treatment. Read More

Additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.

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Medical Travel Insurance FAQ

Why do I need to declare my pre-existing medical conditions when I buy travel insurance?

It is important to declare your pre-existing medical conditions when you buy travel insurance so that you will be covered for emergency medical treatment abroad if you need it, as well as cancellation if you become unwell before your holiday.

If you become ill due to a pre-existing medical condition that you had not declared, you would not be covered by your travel insurance and your claim would be declined.

How do I declare my pre-existing medical conditions?

When you get a medical travel insurance quotation, whether online or by phone, you will be given the opportunity to declare all your pre-existing medical conditions.

You will need to give the name of your medical condition and then answer a short series of multiple-choice questions about each one.

Do I have to declare all my pre-existing medical conditions?

Yes, it is important that you declare all your pre-existing medical conditions when you buy medical travel insurance.

We need to get a full picture of your medical history to give you an accurate quotation and provide travel insurance cover for your holiday.

If you declare some medical conditions and not others, you could find you are not fully covered by your medical travel insurance if you need to make a claim for emergency medical expenses or cancellation. For instance, if your claim was related to a pre-existing medical condition which you had not declared on your policy, your claim could be declined or not paid in full.

How do you decide how much to charge for my medical travel insurance policy?

There are 4 main elements which determine the cost of a medical travel insurance policy. Your age, the details of your pre-existing medical conditions, where you are travelling to and for how long.

These things all contribute to the likelihood of you having to make a claim and the cost of that claim.

I am on a waiting list for treatment, can I still get medical travel insurance?

We can provide medical travel insurance for you to take a holiday whilst you are on a waiting list for treatment, provided the treatment is relating to a diagnosed existing medical condition.

We are unable to provide travel insurance cover for undiagnosed medical conditions.

Please note. If you are awaiting treatment or investigation our policy will not provide cover for cancellation or curtailment under the following circumstances:

  • You receive an appointment which conflicts with your planned trip.
  • You become unable to travel as a result of the planned treatment or investigation.