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Travel insurance is vital to planning any trip, providing peace of mind and financial protection against unexpected events such as trip cancellations, medical emergencies, and lost luggage. However, finding suitable travel insurance coverage for individuals with pre-existing medical conditions can be daunting. Martin Lewis, a renowned financial expert and founder of, offers valuable insights and guidance on navigating travel insurance with pre-existing medical conditions. This comprehensive guide will explore Martin Lewis’s recommendations, tips, and strategies for securing appropriate travel insurance coverage while managing pre-existing medical conditions effectively.

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Understanding Pre-existing Medical Conditions

Before delving into Martin Lewis’s advice on travel insurance, it is essential to understand what constitutes a pre-existing medical condition. In the context of travel insurance, a pre-existing medical condition is any illness, injury, or medical condition for which you’ve received treatment, medication, or advice from a healthcare professional before purchasing your travel insurance policy. This includes chronic conditions such as diabetes, asthma, heart disease, and cancer, as well as acute conditions such as recent surgeries or injuries.

Challenges Faced by Individuals with Pre-existing Medical Conditions

Individuals with pre-existing medical conditions face unique challenges when obtaining travel insurance coverage. Many standard travel insurance policies exclude coverage for pre-existing conditions or impose strict limitations and exclusions, leaving travellers with medical conditions vulnerable to financial risk and uncertainty. Additionally, individuals with pre-existing conditions may encounter difficulties finding affordable coverage or may be subjected to high premiums and excesses, making travel insurance prohibitively expensive.

Martin Lewis's Tips for Travel Insurance with Pre-existing Medical Conditions

Martin Lewis offers practical advice and strategies for seeking travel insurance coverage for individuals with pre-existing medical conditions.
Here are some critical tips from Martin Lewis:

Declare Your Medical Conditions
The most crucial step when purchasing travel insurance with pre-existing medical conditions is to accurately and honestly declare all relevant medical conditions when applying for coverage. Failing to disclose pre-existing conditions can invalidate your policy and leave you uninsured in the event of a claim. Be thorough in providing details about your medical history, including any medications you’re taking, treatments you’ve received, and any recent changes in your health.

Look Around for Specialist Providers
While many mainstream insurers may offer limited coverage or high premiums for individuals with pre-existing medical conditions, there are specialist providers and niche insurers that cater specifically to this market. Take the time to research and compare quotes from specialist insurers who specialise in providing comprehensive coverage for travellers with pre-existing conditions. Websites such as offer comparison tools and resources to help you find suitable coverage at competitive rates.

Consider Medical Screening
Some travel insurance providers offer medical screening services as part of the application process, allowing you to provide detailed information about your pre-existing conditions and receive a personalised quote based on your health profile. Participating in medical screening can help insurers assess your risk more accurately and may result in lower premiums or more comprehensive coverage tailored to your needs.

Look for Policy extensions
Specific travel insurance policies offer optional extensions or upgrades that enhance coverage for pre-existing medical conditions. These extensions may include increased coverage limits, reduced excesses, or additional benefits such as cover for medical repatriation or emergency medical expenses related to your pre-existing conditions. Be sure to inquire about available policy extensions and carefully review the terms and conditions to determine if they meet your needs.

Consider Annual Multi-trip Policies
If you travel frequently throughout the year, consider purchasing an annual multi-trip travel insurance rather than a single-trip policy. Annual policies typically provide coverage for multiple trips within a specified period and offer convenience and cost-saving opportunities for frequent travellers. When selecting a yearly policy, check if coverage for pre-existing medical conditions extends to all trips or if there are any limitations or exclusions based on trip duration or destination.

Review Policy Exclusions and Limitations
Before purchasing travel insurance with pre-existing medical conditions, carefully review the policy exclusions and limitations to understand what is covered and what is not. Pay close attention to any specific exclusions related to your medical conditions, such as restrictions on certain activities or treatments. If you have concerns or questions about the policy terms, seek clarification from the insurer or consult a qualified insurance advisor.

Consider EHIC or GHIC Coverage
If you’re travelling within the European Union (EU) or European Economic Area (EEA), consider obtaining a European Health Insurance Card (EHIC) or its successor, the Global Health Insurance Card (GHIC). EHIC and GHIC provide access to state-provided healthcare services in EU and EEA countries, including necessary medical treatment for pre-existing conditions at reduced or no cost. While EHIC and GHIC are not substitutes for travel insurance, they can complement your coverage and provide additional peace of mind while travelling in Europe.

Why Consider Martin Lewis's Views?

Considering Martin Lewis’s views on travel insurance with pre-existing medical conditions is crucial due to his expertise and reputation as a financial expert. Martin Lewis, the founder of, offers valuable insights and guidance on navigating the complexities of travel insurance, particularly for individuals with pre-existing medical conditions. His advice is grounded in extensive research, experience, and a deep understanding of the insurance industry, making it a reliable source for travellers seeking comprehensive coverage. By heeding Martin Lewis’s recommendations, travellers can make informed decisions, find suitable insurance policies tailored to their needs, and ensure adequate financial protection while travelling with pre-existing medical conditions.


Securing appropriate travel insurance coverage with pre-existing medical conditions may require careful planning, research, and consideration of various factors. By following Martin Lewis’s advice and implementing practical strategies, individuals with pre-existing conditions can find suitable coverage that meets their needs and provides financial protection while travelling. Remember to declare all relevant medical conditions accurately, shop around for specialist providers, consider policy extensions and upgrades, and review policy terms and exclusions carefully before purchasing coverage. With the right approach and guidance, travellers with pre-existing medical conditions can enjoy worry-free travel and confidently explore the world.