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.
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 |
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.
Optional cover for the extras too
Choose from our optional extras to cover your gadgets, cruise, winter sports or car hire excess. Terms and fees apply.
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
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.
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 at any age. 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 sent with your policy. This contains all the conditions that are covered on your policy and the info you gave us. To check this document, login to the online portal.
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.
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. |