Travel insurance with medical conditions

Travel insurance for serious medical conditions

We’ve created European travel insurance for people in the UK with severe medical conditions. You can see a price in seconds without having to answer any questions about your condition.

If your doctor is happy for you to travel we can cover any condition, as long as you do not have a terminal prognosis of under 6 months.

Our Urgent Medical Travel Insurance policy is designed to cover up to £500,000 of costs for medical treatment that can’t wait until you get home. It does not cover things like baggage or cancellation.

We found people with cancer, COPD, heart conditions, mental health issues and other serious illnesses struggled to get travel cover.

Many insurers will not offer them any sort of travel insurance and others will make people with medical conditions answer dozens of time-consuming and impersonal questions. And many people with more serious conditions will not be offered cover at all.

We’ve created a fairer policy that allows you to see a price for any condition after 4 questions. If you’re happy with it we then ask if you’ve checked with your doctor that they believe you’re fit to travel. If they give you the green light then we can cover you for travel in Europe.

We can cover people undergoing tests, treatment or who have an undiagnosed condition. And we offer up to £5,000 for a loved one to travel out to be with you if you need treatment or cover some of their costs if they are travelling with you.

The policy includes access to a 24/7 emergency helpline in case you need treatment while abroad.

Join Bought By Many to access our cover and get a quote.

You can see the full policy documents for our cover here.

Here are a few of the key exclusions:

• The maximum trip length is 28 days
• You can only buy our travel insurance up to 30 days ahead of your trip
• We do not offer baggage or cancellation cover
• We cannot cover people who have a terminal prognosis of under 6 months
• You need to see your doctor to check they are happy for you to travel but you don't need to get a sign-off form

Our mission is to create better insurance for everyone and we’re in the process of designing travel insurance for people with less severe conditions, such as diabetes.

Find out more about our cover and groups for particular conditions:

• Cancer
• Heart Conditions
• COPD
• Lymphoma

How we're improving travel insurance for people with medical conditions in the UK

The Financial Conduct Authority (FCA) has said that travel insurers should be doing more to help cancer patients find affordable cover.

Bought By Many was invited to the launch of the FCA's report and we submitted feedback to its consultation on improving the industry.

We put our ideas into practice by designing a policy that will give our members a better experience of getting travel insurance.

It covers cancer patients and those with other serious illnesses. It will cover people with pre-existing conditions; awaiting tests, diagnosis or results; and those receiving treatment;.

Our travel insurance has no upper age limit so we will be able to cover people in their 60s, 70s, 80s and older.

Bought By Many believes people affected by medical conditions should be free to travel and shouldn't have to jump through hoops to access insurance. We understand that doctors are often best placed to make decisions about whether it is safe to travel, not insurance companies.

Our insurance can cover people who have been refused a policy elsewhere.

Find out more about travel insurance for medical conditions.

European Health Insurance Card (EHIC)

Although it cannot be used to replace insurance, it's worth getting a European Health Insurance Card (EHIC). It entitles you to a basic level of treatment in state hospitals in Europe.

Our policy is designed to cover urgent treatment that cannot wait until you get home, so an EHIC card may cover some treatment that our insurance does not, for example, patching up a cut.

By Digby Bodenham