I'm Rob, 57. When I shopped for cover with a few things to declare, I found out which insurers take people like us seriously — and which quietly don't. HolidaySure shares what I learned, in plain English, so your search is easier than mine was.
Every provider below covers pre-existing medical conditions rather than excluding them. Most are over-50s specialists; each card sets out what that provider actually offers, including any age limit.
The UK's leading specialist travel insurer for the over-50s. No upper age limit on single trip cover, and they'll consider almost any pre-existing condition. Over 3 million customers have trusted them — and the claims service backs that up.
Avanti specialise in covering travellers with serious and complex medical conditions — including heart conditions, diabetes, cancer, and respiratory illness. Their medical screening team will work to find you cover where many others won't.
AllClear have been covering people with medical conditions for over 20 years. No upper age limit, and cover available for over 1,300 medical conditions. If you've been declined elsewhere, AllClear is often the answer.
A well-established UK insurer with competitive pricing and clear policy wording. They cover a range of pre-existing conditions and offer solid annual multi-trip policies — worth a quote if you want a mainstream name at a fair price.
Cedar Tree cover pre-existing conditions through an online screening process. You tell them about your conditions before you buy, and in most cases they can offer you a price. Every policy comes with zero excess, so you have nothing to pay towards a claim, and you get a 24-hour emergency medical helpline and a free 24/7 Teledoctor service. Cover is available up to age 75.
Cedar Tree is a trading name of Cover For You Insurance Group Limited, an insurance intermediary licensed in Gibraltar by the Financial Services Commission (permission number 5570) and passported into the UK. It appears on the FCA register under number 429383. Policies are underwritten by Inter Partner Assistance S.A., part of the AXA Group, which is subject to regulation by the Financial Conduct Authority.
If you're over 50 or managing a health condition, a standard policy bought in a hurry can leave you exposed in ways you won't discover until you need to claim.
The providers on HolidaySure are experienced in covering a wide range of conditions. Here are some of the most common ones they deal with every day:
This is not an exhaustive list — AllClear alone covers over 1,300 conditions. Always declare everything when you get a quote. It takes a few minutes and it's the only thing that guarantees your cover is valid.
A few things worth checking before you commit to a policy.