Medical travel insurance
Get 5-star* travel insurance when you have a pre-existing medical condition.
*Our Silver and Gold policies are 5-star Defaqto rated.
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.
If you have multiple trips booked, have a look at our annual multi-trip travel insurance.
- 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 coverOur Gold level policy covers you for £15m. Other levels have lower limits..
- Cover to suit you
- Travelling the worldNot including travel anywhere the Foreign, Commonwealth and Development Office advises against 'all' or 'all but essential' travel., got a European break planned or staying in the UK? We've got you covered.
- A single-trip policy covers you for up to 90 daysThis depends on the level of cover you choose of cover for one trip. An annual multi-trip policy covers up to 90 daysThis depends on the level of cover you choose of travel for each trip within 12 months.
With all our policies you get
24/7 worldwide medical assistance
With access to a doctor who speaks English by phone, video or in person, where available.
Access anywhere, anytime
View your documents, update your details and renew your policy online.
Protection when nature has other plans
Cover for cancellation, interruption or delay caused by a natural disaster.
Gadget protection built in
Enjoy up to £750 of cover for the tech you take away with you.
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 be registered with a UK GP. You must buy it before your trip has started.
Check our policy wording to see if the cover is right for you.
Cover you can count on
Pick from 3 levels of travel insurance cover.
Cover applies subject to policy terms and conditions, limits and any excess payable.
| Defaqto rating | Red | Silver | Gold |
|---|---|---|---|
| Emergency medical abroad More info Cover in the event of a medical emergency while you're abroad due to illness, injury or death. | £10m | £12.5m | £15m |
| Trip 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 |
| Trip interruption 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 |
| Baggage More info Cover if possessions such as baggage, clothing and backpacks were lost, stolen or damaged during your trip. | £1,250 | £2,000 | £3,000 |
| 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. | £300 | £400 | £600 |
| 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 |
| Excess - per person, per incident, per trip | £100 | £75 | £50 |
Upgrade your cover
Pay a little more and extend your travel insurance with our optional add-ons:
Subject to terms and conditions.
You can add extra cover if you're taking part in winter sports. Winter sports insurance covers for:
- emergency medical treatment for winter sports injuries
- delay, loss, theft or damage to ski equipment
- ski pack expenses
- piste closure
- search and rescue costs
Cruises are covered as standard with our travel insurance.
If you want extra peace of mind while you're on board, our Cruise Cover add-on gives you extra cover for life at sea. It covers you if:
- you're confined to your cabin
- you miss a pre-booked excursion
- you miss a port of call
- you're denied boarding
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 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
Get a medical travel insurance quote
Sort your cover in a few easy steps.
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 give you 24/7 worldwide medical assistance. Whenever you need us, help is a phone call away.
If you bought a policy on or after 7 May 2026
Call us on +44 (0) 20 8603 9157
If you bought a policy before 7 May 2026
Call us on +44 (0) 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 start a claim online using the online customer portal.
You need to tell us if any of the following apply to you, or to anyone you want to insure on this policy.
In the last 12 months, have you or anyone to be insured:
- Been prescribed medication, including repeat prescriptions?
- Received treatment for, or spoken to a doctor about, any medical condition?
- Attended a hospital or clinic as an in-patient or out-patient for any reason?
- Been diagnosed with a terminal condition?
- Been waiting for tests, investigations, treatment, surgery, or test results?
We may be able to offer cover for your pre-existing medical condition(s), but this may cost extra. In some cases, we may exclude cover.
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 26 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. |