Finding cover when you have a medical condition — or you're past the age many insurers stop taking seriously — shouldn't be this hard. We've found the providers that get it right.
Every provider below has been selected because they genuinely cater to over-50s and people with pre-existing conditions — not as an afterthought, but as their core market.
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.
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.