Pre-existing medical conditions
Travel insurance that considers your medical history.
Holiday Angel can consider cover for a wide range of pre-existing medical conditions. Tell us about your medical history when you get a quote, and we'll let you know what we can cover.
- Cover considered for a wide range of pre-existing medical conditions
- Available up to age 79 on Single Trip and Annual Multi-Trip cover
- Maximum age 79
- Up to £10 million emergency medical cover
- Silver, Gold & Platinum cover
- Talk it through with our team
How it works
Telling us about your medical conditions
When you get a quote you'll be asked about your medical history. This is how we work out what cover we're able to offer you, so it's important that the answers are complete and accurate.
Cover for pre-existing medical conditions is subject to declaration and acceptance. Not every condition is automatically covered, and any conditions we accept will be shown on your policy schedule.
Support
Prefer to talk it through?
Medical questions are easier to answer with someone on the other end of the telephone. Our team is happy to talk through your travel insurance and your medical history with you before you buy.
- Speak to a person about your conditions
- Ask about the differences between Silver, Gold and Platinum
- Get help before you buy, not just afterwards
Who can buy this cover
- The maximum age is 79 for both Single Trip and Annual Multi-Trip cover.
- You'll need to declare your pre-existing medical conditions when you get a quote.
- Cover is subject to acceptance and to the terms of the policy.
Further eligibility conditions apply and are set out in the policy documents.
Important information about medical cover
Holiday Angel considers a wide range of pre-existing medical conditions, but cover is never automatic. Anything you don't tell us about may not be covered.
Cover & benefits
Silver, Gold and Platinum
All three levels of cover include up to £10 million emergency medical cover. Full limits, excesses and prices are confirmed when you get a quote.
| Benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Cancellation | £3,000 | £6,000 | £9,000 |
| Cutting your trip short | £3,000 | £6,000 | £9,000 |
| Missed departure | £500 | £750 | £1,000 |
| Trip delayPer 12 hours delayed, up to the total shown | £25 / £150 | £40 / £200 | £50 / £400 |
| Trip abandonment | £3,000 | £6,000 | £9,000 |
| Emergency medical expenses | £10 million | £10 million | £10 million |
| Inner limit: Emergency dental treatment (pain relief) | £250 | £300 | £500 |
| Inner limit: Daily hospital benefitPer day, up to the total shown | £25 / £250 | £50 / £500 | £100 / £1,000 |
| Personal accident (age 18 to 75)Accidental death or permanent total disability | £10,000 | £25,000 | £50,000 |
| Delayed baggagePer 12 hours, up to the total shown | £25 / £100 | £50 / £300 | £75 / £750 |
| Baggage and personal propertyLost, stolen or damaged. Single item limit £500 / £750 / £1,000 | £2,000 | £4,000 | £6,000 |
| Inner limit: ValuablesOverall limit, within the baggage limit | £1,000 | £1,500 | £2,000 |
| Inner limit: Stolen money (adult)Per adult, up to the total shown | £100 / £200 | £200 / £400 | £250 / £400 |
| Inner limit: Passport and travel documents | £200 | £300 | £400 |
| Legal expensesPer person | £10,000 | £15,000 | £20,000 |
| Personal liability | £1 million | £2 million | £2 million |
| Uninhabitable accommodation | £250 | £500 | £750 |
| Kennel and cattery fees | £250 | £500 | £1,000 |
| Policy excess | £60 | £30 | £0 |
- Cancellation
- £6,000
- Cutting your trip short
- £6,000
- Missed departure
- £750
- Trip delayPer 12 hours delayed, up to the total shown
- £40 / £200
- Trip abandonment
- £6,000
- Emergency medical expenses
- £10 million
- Inner limit: Emergency dental treatment (pain relief)
- £300
- Inner limit: Daily hospital benefitPer day, up to the total shown
- £50 / £500
- Personal accident (age 18 to 75)Accidental death or permanent total disability
- £25,000
- Delayed baggagePer 12 hours, up to the total shown
- £50 / £300
- Baggage and personal propertyLost, stolen or damaged. Single item limit £500 / £750 / £1,000
- £4,000
- Inner limit: ValuablesOverall limit, within the baggage limit
- £1,500
- Inner limit: Stolen money (adult)Per adult, up to the total shown
- £200 / £400
- Inner limit: Passport and travel documents
- £300
- Legal expensesPer person
- £15,000
- Personal liability
- £2 million
- Uninhabitable accommodation
- £500
- Kennel and cattery fees
- £500
- Policy excess
- £30
Showing Gold cover. Tap Silver, Gold or Platinum to compare.
Policy documents
Policy documents
Read what is and is not covered, including the medical terms that apply.
Policy Wording
Ref. 092026
The full terms and conditions of your Holiday Angel travel insurance, including what is and is not covered.
Download PDFInsurance Product Information Document (IPID)
Dated 07/10/2026
A short summary of the cover, the main limits and the significant exclusions that apply.
Download PDFHelp & FAQs
Medical questions
Ready when you are
Get a quote online in minutes, or talk to our team about your medical conditions first.