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Travel Insurance for Pre-Existing 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 offer a range of specialist travel insurance policies including single trip, annual multi-trip and cruise policies all of which include cover for your pre-existing medical conditions. We don't impose any age restrictions on European or Worldwide annual cover or single trips up to 3 months in duration. If you're under 75 and settling into retirement, we can insure you for a getaway of up to 6 months!


We have insured thousands of travellers with pre-existing medical conditions through our specialist travel insurance cover. If you are looking for quality cover, with fair rates and a policy that won’t let you down in the event of an emergency abroad, look to OK To Travel to safeguard your travel arrangements.


Travelling without cover for your existing medical conditions is very risky, so tell us about them and we will aim to tailor a policy that provides appropriate cover for your trip. Our specialist travel insurance policies offer 24 hour medical assistance for medical emergencies abroad, so if your medical conditions do give you any problems, you can rest assured help is never far away. If you select our Premier, Premier Extra or Premier Plus cover, we will also pay out should you become unwell before your trip and need to cancel.


Age should not be the reason you can’t travel, so call upon us to provide single trip or annual multi-trip cover and get the security and peace of mind you need to relax on holiday. (Children under the age of 18 must be insured with an adult).

What type of policy do you need?


If you have several trips planned over the next 12 months, Annual Multi-Trip cover may be the most cost effective option for you. Select a policy type below to learn more about the travel insurance options available with OK To Travel.

Single Trip


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

Annual Multi-Trip


Cover for multiple trips to Europe or Worldwide over a 12 month period with no upper age limit.



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

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 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.



Our experienced and knowledgeable travel insurance agents are here to help

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?