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Travel Insurance with Medical Conditions

Medical travel and holiday insurance for pre-existing medical conditions designed by medical travel insurance experts

Travel and holiday insurance with medical conditions


We've left no stone unturned when considering the travel insurance needs of our customers with existing medical conditions. We have designed a policy that will respond and protect you should a crisis occur on holiday. As experts in health travel insurance, we are able to cover thousands of different medical conditions from mild asthma through to cancer and better still, we do not have an age limit for trips up to 3 months or annual multi-trip cover.


Without cover for your medical conditions, you run the risk of being out of pocket should you require any unexpected medical treatment abroad. Having adequate cover for your medical conditions can ensure you are protected to cancel or cut short the holiday if you become unwell or require emergency medical attention on holiday. Repatriation back to the UK is also covered. See our cover benefits page to find out more.


We’re happy to offer the same benefits to your travelling companions too, even if they do not have any pre-existing health conditions. If you have to cancel the holiday because of your medical conditions, so can they, if they are insured under the same OK To Travel policy (subject to policy terms and conditions).



Specialist medical travel insurance cover for people with cancer conditions including breast, prostate and bowel cancer

Heart Conditions


Travel and holiday insurance for people who have suffered a heart attack or have conditions such as atrial fibrillation, angina and heart disease



Single and annual multi-trip travel insurance designed for people with type 1 and type 2 diabetes

Our travel insurance products


Choose from four levels of cover and only pay for the cover you really need. All cover benefits are per person insured on the policy and subject to the applicable policy excess.



We have four levels of cover which can provide up to:

£5,000 Cancellation


Cancellation cover up to £5,000 per insured to recoup costs of unused travel and accommodation.

£10M Medical Expenses


Cover up to £10,000,000 per insured if you require emergency medical treatment or repatriation.

£3,000 Baggage


Cover if your personal possessions are lost, stolen or damaged up to £3,000. 

COVID-19 Cover


A range of COVID-19 specific cover benefits including cancellation, denied boarding and medical expenses abroad.

£500 Missed Departure


Cover for travel and accommodation expenses required to reach your booked destination if you miss your departure.

£50 Policy Excess


Policy excess as low as £50 on our Premier Plus level of cover.

Our award winning customer service


We use an independent customer review system, called Feefo. All Feefo reviews are gathered anonymously from genuine customers. Testament to our top-grade customer service, we’ve received numerous Platinum Trusted Service Awards from Feefo, and we’re proud to have helped thousands secure the cover they need when travelling abroad. Our customers can travel confidently, knowing they’re covered by our policies, designed to respond to medical emergencies abroad.


Read our reviews


"A really welcome discovery of a good helpful insurer"


Clear questions about medical conditions with a sensible offer of one trip insurance for Europe. Reasonable price having been refused by another major UK provider. Immediate and complete transfer by email of all paperwork that was well presented and clear.




"Excellent service for the elderly"


Very happy that I was able to take out a travel insurance policy at my age (95). Many price options proposed for which I was grateful.




"Excellent company, excellent service, excellent price!"


I was very pleased with the overall process and the price. I am a repeat customer and will continue to be so, I will recommend your company to anyone who seeks my advice.




"Quick, easy, competitive"


Easy to understand, very helpful and knowledgeable. Quick to sort out. We’ve used OK To Travel a few times and will no doubt continue to in future. Competitive price.



24 hour emergency medical assistance on hand while you travel the globe

Medical travel insurance frequently asked questions

Who is eligible to purchase cover with OK To Travel?

Our policies are only available to permanent UK residents who are registered with a GP in the UK. Cover is not available to residents of the Channel Islands or IOM. You must be fit to travel at the time of purchasing insurance cover.

Do you have any age limits?
Do you need to know the names of my medication?