Medical travel insurance
Get 5-star travel insurance when you have a pre-existing medical condition.
Travel with less of the stress
There's no age limit on single-trip policies. For annual multi-trip policies we cover up to age 80.
- We cover most medical conditions
- When you get a quote, you’ll need to tell us about your condition. We’ll then let you know if we can cover it.
- Up to £15 million cover for medical expenses
- If you need treatment abroad you’ll want top notch cover. Our Silver and Gold policies are five-star Defacto rated.
- Cover to suit you
- Travelling the world, got a European break plannedNot including travel anywhere the Foreign, Commonwealth and Development Office advises against 'all' or 'all but essential' travel. or staying in the UK? We've got you covered.
- A single trip policy covers you for up to 90 days of worldwide cover for one trip. An annual multi-trip policy covers up to 94 daysThis is dependent on the level of cover you choose of worldwide travel for each trip within 12 months.
Travel insurance that’s got your back
Whether it’s a lost suitcase or a medical mishap, sometimes the unexpected happens. That’s where travel insurance comes in, helping you stay protected so you can focus on enjoying your trip.
To buy travel insurance you must be 18 or older, live in the UK and have the recommended vaccinations for your destination. You must buy it before your trip has started. Exclusions, sub-limits and excesses may apply. For the full table of cover limits and any extra cover conditions check the policy wording.
Cover you can count on
Pick from 3 levels of travel insurance cover. Use the table to see the excess you'll pay, and the cover limits.
To buy travel insurance you must be 18 or older, live in the UK and have the recommended vaccinations for your destination. You must buy it before your trip has started.
Exclusions, sub-limits and excesses may apply. For the full table of cover limits and any extra cover conditions check the policy wording.
| Defaqto rating | Red | Silver | Gold |
|---|---|---|---|
| Emergency medical and repatriation More info Cover in the event of a medical emergency while you're abroad due to illness, injury or death. | £10m | £12.5m | £15m |
| Cancellation More info Cover for your costs if you have to cancel your trip due to an accident or illness. | £3,000 | £5,000 | £7,500 |
| Curtailment and loss of holiday More info Cover if you have to cut your trip short or for the loss of holiday due to injury or illness. | £3,000 | £5,000 | £7,500 |
| Personal possessions More info Cover if possessions such as baggage, clothing and backpacks were lost, stolen or damaged during your trip. Single item limits apply. | £1,250 | £2,000 | £3,000 |
| Standard gadget cover More info Cover for the costs of repair or replacing gadgets if they're accidentally lost, stolen or damaged. Items include, but are not limited to smartphones, laptops, tablets and smart watches. Drones are not covered. You should be aware that this is not a new for old policy. This means that we will not replace a gadget with a brand new one but with a refurbished version of the same model. | £500 | £500 | £750 |
| Personal money More info Cover for the loss or theft of personal money. This includes cash, traveller's cheques, and pre-payment cards. | £500 | £750 | £1,000 |
| Legal costs and expenses More info Cover for legal costs when you're seeking damages or compensation after an accident that happens when you’re on holiday. | £25,000 | £25,000 | £25,000 |
| When you make a claim, the excess you’ll pay depends on the level of cover you choose. The amounts in this table are per person and per claim. | £100 | £75 | £50 |
Upgrade your cover
Pay a little more and extend your travel insurance with our optional add-ons:
Winter sports insurance provides cover for:
- emergency medical treatment caused by taking part in a winter sport
- the delay, loss, theft or damage to your ski equipment
- ski pack expenses
- piste closure
- avalanche closure
This is for activities and risks associated with going on a cruise. You won’t be covered for cruises unless you add this to your policy. With this cover you get:
- increased cover for your personal possessions
- cover for if you’re confined to your cabin
- cover for missed excursions and cruise itinerary changes
This gives you extra protection for your gadgets while you're on holiday. All levels of gadget cover include:
- theft
- loss
- accidental damage
- malicious damage
When you make a claim you'll have to pay an excess charge. If you want to waive this cost, add 'excess waiver' cover to your policy.
Adding this as an extra means that if a vehicle you've rented gets damaged, you can get back the excess or deposit set out in the rental agreement.
Travel insurance directory
Do you have a condition that means you pay more for your insurance? It may be worth speaking to a specialist provider to compare quotes.
Visit the MoneyHelper travel insurance directory or call 0800 138 7777 for more information.
Travel insurance directory
With all our policies you get
24/7 worldwide medical assistance
Whenever and wherever you need us, help is a phone call away.
Online portal
Make a claim, update your details and renew your annual multi-trip policy from anywhere in the world.
Get a medical travel insurance quote
Our cover is subject to certain conditions and exclusions. Before you apply, take a look at all the insurance benefits, to make sure this policy is right for you.
Questions about travel insurance and medical conditions
A pre-existing condition can be related to your physical or mental health, including:
- Anything you’ve had medical treatment or took medication for in the last year.
- Any medical condition that you’ve had in the past.
- Anything you’re undergoing investigation or testing for, or any new conditions you might develop between now and the start of your trip.
- Any long-term conditions that require ongoing treatment or monitoring such as asthma, diabetes, heart or mental health conditions, even if they are currently being managed/controlled.
You can see the full details on the medical conditions you or the person travelling with need to declare when you get a quote online. It’s really important you tell us about these conditions when you take out a policy to make sure you’re covered.
Download the Virgin Money Travel Insurance Policy Wording for full details and any exclusions.
When you get a quote, you'll be asked if you have any medical conditions. You’ll then be able to declare the conditions as part of the process.
Pregnancy is not considered a medical condition, so you don’t need to declare it. However, pregnancy complications should be declared, for example if you have diabetes in pregnancy.
You're covered for bodily injury and illness whilst travelling when pregnant.
Check your transport provider’s guidelines before travelling as they may have restrictions.
There's no cover for medical costs associated with normal pregnancy. This policy provides cover for unforeseen events, accidents, illnesses and diseases. Normal childbirth would not constitute an unforeseen event.
Costs from pregnancy or childbirth are excluded if your due date is less than 12 weeks after the end of the trip. For multiple pregnancies, this is 16 weeks.
We cover most medical conditions. But if you have a condition that means you pay significantly more for insurance, you can talk to a specialist.
Visit the MoneyHelper travel insurance directory. Or call 0800 138 7777 for more info.
When you declare a medical condition with us, you'll get a medical declaration. This will be emailed to you and will also be available in the online portal for you to check. It contains all the conditions that are covered on your policy and the info you gave us.
If any of your details change then you will need to contact us on 0330 175 8283 as soon as possible to update your policy. You may need to pay an extra premium for this.
If your details have changed and you travel without informing us of the changes then we may be unable to honour any claims which arise.
Call us on 0330 175 8283 and we’ll do everything we can to help. We’re here Monday to Friday, 9am to 5pm except bank holidays.
Our policies provide you with 24/7 worldwide medical assistance. Whenever and wherever you need us, help is a phone call away. You can call us on:
+44 1403 788 702
If you're in the USA or Canada call +1 877 311 3720
If you're in Mexico, call +1 786 206 9921
You can also make claims using the online portal.
You need to tell us if any of the following apply to you or anyone to be insured under this policy for the following reasons:
- The person is suffering from a medical condition for which they:
- should have sought medical advice
- is under investigation
- is on a waiting list to undergo investigation, a medical procedure or in-patient hospital treatment
- is waiting for test results
- has been given a terminal prognosis
- The person is suffering from a medical condition which he/she knows will require medical treatment during an insured journey.
- The person is intending to travel to get medical treatment abroad.
- The person has at any time during the last five years been treated for alcohol or drug addiction.
- The person is suffering from a psychiatric or psychological condition.
- The person has ever suffered from:
- a cardiovascular or heart-related condition such as a heart attack, angina, chest pain or hypertension
- a lung or respiratory-related condition (not including stable, well-controlled asthma if there is no other medical condition)
- any form of cancer whether in remission or not
- a cerebro-vascular condition such as a stroke or T.I.A. (transient ischaemic attack)
- a renal condition or diabetes
- The person suffered from a medical condition in the last 12 months for which they:
- are currently being prescribed or on regular medication
- are receiving treatment of any kind
- had required an organ transplant or required dialysis
- The person is any relative or colleague of an insured person, or travelling companion or friend with whom you are going to travel or stay with, suffering from a medical condition which could reasonably be expected to give rise to a claim.
It depends on the condition. You can use our pre-existing medical conditions eligibility checker to see if you need to declare your condition. Find it on page 13 of the policy wording.
Fancy a chat?
If you would prefer to speak to someone, please give us a call.
Call us on
0330 175 8283
We're here from 9am to 5pm Monday to Friday. Closed Saturday, Sunday and Bank Holidays.
| Number | Cost |
|---|---|
| 03 numbers | Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. |
| 084 numbers | Maximum of 7p per minute, plus your phone company's access charge. |
| 087 numbers | Maximum of 13p per minute, plus your phone company's access charge. |
| 0800 numbers | Free from UK landlines and personal mobile phones. |