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Travel Insurance for Pre-Existing Medical Conditions

Medical travel and holiday insurance for all pre-existing medical conditions

Travel and holiday insurance with medical conditions


OK To Travel has a range of specialist travel insurance options, including Single Trip, Annual Multi-Trip, and Cruise policies, all designed to accommodate your pre-existing medical conditions. There are no age limitations for European or worldwide annual coverage or single trips lasting up to 31 days. For those under 75 and embarking on retirement adventures, we extend coverage for getaways of up to 6 months!


We have insured thousands of travellers with existing health conditions through our specialist travel insurance policies, designed to respond to medical emergencies abroad, and give you the peace of mind you deserve. Turn to OK To Travel to safeguard your travel plans with confidence.


Travelling without extending your cover for pre-existing medical conditions poses significant risks. Tell us about your conditions, and we'll tailor  a policy to you and your travel plans. Choose between four levels of cover on our website or with our experienced contact centre team and only pay for the cover you really need. All policies with OK To Travel give you access to the 24 hour emergency medical assistance line, your safety net when exploring the world.


Don't let your age be a barrier to travel.

Why are we the right choice?

All medical conditions considered


We'll endeavour to find you cover for any medical condition.

No age limits


Single Trip and Annual Multi-Trip cover for all ages.

Award-winning customer service


Our UK-based contact centre has won the Feefo Platinum Trusted Service Award.

What type of policy do you need?


Whether you're planning a one-off international adventure or multiple trips over the next 12 months, choose the right policy for you.

Single Trip


Medical travel insurance for one-off trips up to 184 days in duration to Europe or worldwide.

Annual Multi-Trip


Cover for multiple trips to Europe or worldwide over a year-long period with no age limit.



Cruise travel insurance including cabin confinement, missed port departure and medical expenses.

OK To Travel has four levels of cover which can provide up to* 

£5,000 Cancellation


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

£10M Medical Expenses


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

£3,000 Baggage


Cover if your personal possessions are lost, stolen or damaged. 

£1,000 Gadget Cover


Cover against theft, accidental damage, breakdown and accidental loss of your gadgets.

£500 Missed Departure


Cover for travel and accommodation expenses required to reach your booked destination.

£50 Policy Excess


Policy excess as low as £50 with Premier Plus cover.

*Maximum amounts available per person, subject to the applicable policy excess.

Award-winning customer service


We're Feefo Platinum Trusted Service Award winners! Read independent reviews from genuine customers.


"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.



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?
How will I receive my policy documents?