Back to Headlines
Lifestyle
Jun 13, 2026
Analyzed by Glm 4.5 Flash

Travel Insurance Costs Soar for Those with Pre-existing Medical Conditions

AI Summary
Travel insurance premiums have skyrocketed for individuals with pre-existing medical conditions, with some facing costs over ten times higher than before their diagnosis. Despite the expense, experts warn that traveling without proper coverage could leave holidaymakers facing potentially catastrophic medical bills, especially in countries like the US with no reciprocal health agreements with the UK.

The Soaring Cost of Coverage

"I nearly fell over when I saw the travel insurance quote," says Bernie Lawrence, a 77-year-old retiree from Fleet, Hampshire. After developing heart problems and undergoing quadruple bypass surgery in 2018, Lawrence found the cost of travel insurance becoming "astronomical." Before his surgery, he and his wife paid under £100 for annual European travel insurance. By 2022, this had risen to £302, and after experiencing atrial fibrillation and being placed on an NHS waiting list, they were quoted £1,200. Even after getting an all-clear from a private scan, their premiums remained high at £584, rising to £805 in 2024 and £1,009 this year.

The Financial Burden of Medical Conditions

The financial impact of pre-existing medical conditions on travel insurance is substantial. According to a survey by specialist insurer AllClear, 18% of Britons plan to travel abroad this summer without insurance, despite the risks. Insurers paid out £262bn for medical expenses for UK travelers who needed emergency care or treatment while on holiday in the past two years. For countries like the US and Canada, treatment costs can run into hundreds of thousands of pounds if you fall ill without proper coverage.

Why This Matters to Travelers

"Travel insurance can get very expensive if you've got a pre-existing medical condition," says James Daley, founder of Fairer Finance. "But it's incredibly important that you take out insurance that covers you for your condition – particularly if you're travelling to countries like the US where there's no reciprocal health agreement with the UK. If you end up having a medical emergency in the US without insurance, the costs can run into the tens and even hundreds of thousands of pounds."

How to Find Appropriate Coverage

The cost of a policy depends on your age, the condition, destination, and duration of travel. Price comparison websites can help find policies for those with pre-existing conditions, but it's crucial to check the small print. If mainstream options don't work, specialist insurers like Medical Travel Compared, PayingTooMuch, or AllClear can assist. The British Insurance Brokers' Association (biba.org.uk) can also help find a broker.

When applying, insurers typically ask about medical issues from the last five years, though this varies by provider and condition. Recovered conditions that haven't required treatment don't need to be disclosed. Tommy Lloyd, managing director of Medical Travel Compared, recommends insuring the entire traveling party under the same policy wherever possible to ensure consistent coverage for cancellation and curtailment.

Common Conditions and Premium Impact

Some common conditions like anxiety, high blood pressure, arthritis, and asthma only add a few pounds to a typical policy. However, costs can be high if you're still under investigation for a condition or waiting for treatment. Disclosing all medical conditions is essential, as failure to do so could invalidate your policy.

The Future of Travel Insurance for Medical Conditions

As the population ages and more people live with chronic conditions, the travel insurance industry may need to develop more specialized products. The current system often penalizes those with health histories rather than assessing individual risk factors. In the coming years, we may see more insurers using advanced data analytics to offer more personalized pricing, potentially making coverage more accessible for those with pre-existing conditions while maintaining profitability.