The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Average Cost of Travel Insurance with Pre-Existing Conditions 2019

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Everyone should be able to enjoy a holiday with the security of travel insurance, whether or not they have pre-existing conditions. However, those with any medical conditions are likely to pay more for travel cover to protect against medical emergencies, trip cancellation/curtailment, etc. Many travel providers will still offer cover to those with pre-existing conditions, but premiums will likely be higher and may vary significantly from provider to provider, depending on their appetite for the "risk" of your profile.

To get an idea of average travel cover premiums for pre-existing conditions in the UK, we've gathered prices for some common medical conditions such as high blood pressure, high cholesterol, breast cancer, asthma and stents for individuals who are otherwise healthy, non-smokers on no other medications. While prices will vary based on many factors (e.g., number of medications, hospitalization history, other conditions, time since condition first presented, etc.), use these average quotes to understand how travel insurance prices can be affected by pre-existing conditions and help identify a good deal.

Where Are You Travelling? Costs of Travel Insurance with Pre-Existing Conditions

Your choice of holiday destinations will have a significant impact on the cost of your travel insurance, especially if you have pre-existing medical conditions. This is because the cost of medical care varies drastically around the world. If you travel to Europe, most medical expenses can be covered with your EHIC card. On the other hand, any medical expenses you incur whilst travelling in America are likely to be very costly indeed. Hence, travel insurance for destinations including America will have a higher premium than, say travel insurance covering European destinations only.

chart showing cost of travel insurance for pre-existing medical conditions in Europe and Worldwide for: high blood pressure, high cholesterol, breast cancer, asthma and stent
Average travel insurance costs

Cost of Travel Insurance with Asthma

A 35-year-old individual with chronic obstructive pulmonary disease (COPD) and Asthma, who is on one medication and has not been hospitalized, needed oxygen or had a chest infection/pneumonia in the past few years will pay on average £193 for Annual, Multi-Trip travel insurance with Worldwide cover. Those who aren't travelling to America, Canada, Mexico or the Caribbean will pay less, around £130 on average, largely because health care is so expensive in the US.

Travel insurance costs generally rise with age. In the case of asthma sufferers, an older traveller—even one without COPD—would pay 5% to 20% more than a 35 year old with COPD, depending on geographical coverage. In the following table you can see average premiums by coverage, plus get an idea of cover limits and excess values for medical, cancellation and baggage. If you're travelling more than once, you can see that it usually makes sense to buy a Annual, Multi-Trip plan instead of numerous Single Trip plans.

Average Cost of Travel Insurance for Asthma

Asthma (no COPD) aged 55Asthma (with COPD) aged 35
WorldwideWorldwide, ex USA/Can/Mex/CaribWorldwideWorldwide, ex USA/Can/Mex/Carib
SingleMultiMultiSingleMultiMulti
Days per Trip143635143635
Medical Cover (millions)£12£12£12£12£12£12
Medical Excess£109£109£108£111£111£110
Cancellation Cover£3,052£3,077£3,127£3,006£3,030£3,115
Cancellation Excess£104£104£104£105£105£103
Baggage Cover£1,853£1,859£1,869£1,828£1,834£1,857
Baggage Excess£103£103£103£104£104£103
Average Premium£138£193£128£131£173£106

While the values in the table above represent averages across the dozens and dozens of plans we quoted, travellers who are very price sensitive may be more interested in getting a rough idea of premiums from providers offering the best deals. In order to quantify costs of lower-priced plans, we averaged the results of the 10 cheapest quotes for travel insurance for asthma. The results are in the following table, showing that a 35-year-old asthma and COPD sufferer can get Annual, Worldwide cover for approximately £94—this price is around half that of the full market average, showing the importance of comparing quotes before you buy.

Cheapest Travel Insurance for Asthma

Asthma (no COPD) aged 55Asthma (with COPD) aged 35
WorldwideWorldwide, ex USA/Can/Mex/CaribWorldwideWorldwide, ex USA/Can/Mex/Carib
SingleMultiMultiSingleMultiMulti
Days per Trip143028143028
Medical Cover (millions)£11£12£13£11£12£14
Medical Excess£140£150£129£160£144£117
Cancellation Cover£1,850£1,475£1,600£1,680£1,530£1,900
Cancellation Excess£133£150£117£135£122£105
Baggage Cover£1,550£1,225£1,225£1,400£1,175£1,350
Baggage Excess£128£145£117£130£119£105
Average of 10 Cheapest Quotes£60£99£66£56£94£46
chart showing the cost of travel insurance for individuals with asthma and COPD
Cheapest travel insurance for Asthma

Cost of Travel Insurance with High Blood Pressure and High Cholesterol

If you've ever had high blood pressure (BP) or high cholesterol, you'll need to disclose this history when applying to travel insurance. As the risks associated with high BP and high cholesterol rise with age, so do travel insurance premiums. A 65 year old with a history of high BP and cholesterol will pay around 43% more for travel insurance than a 55 year old with a similar health profile. Insuring a single trip with worldwide cover including America will cost just over £100 for a 55 year old or £150 for a 65 year old traveller with high BP and cholesterol. Annual, Multi-Trip plans would cost around £150 or £220, respectively, with worldwide cover for travel anywhere around the globe.

Average Cost of Travel Insurance for High Blood Pressure and Cholesterol

Aged 55Aged 65
WorldwideWorldwide, ex USA/Can/Mex/CaribWorldwideWorldwide, ex USA/Can/Mex/Carib
SingleMultiMultiSingleMultiMulti
Days per Trip143635143635
Medical Cover (millions)£12£12£12£12£12£12
Medical Excess£109£109£108£109£108£106
Cancellation Cover£3,039£3,063£3,127£3,050£3,088£3,144
Cancellation Excess£105£105£104£104£104£101
Baggage Cover£1,840£1,846£1,869£1,811£1,828£1,844
Baggage Excess£104£104£103£103£103£100
Average Premium£106£151£93£151£220£134

The averages calculated above reflect all of the quotes we gathered, the most expensive of which were 10X the cost of the cheapest plans. In order to understand what you'd need to pay if you're after one of the cheaper plans, we averaged the results of the 10 cheapest quotes for travel insurance for high blood pressure and asthma. The results are in the following table, showing that a 55 year old should expect to pay around £65, whereas a 65 year old may have to fork out close to £100 for travel insurance that covers their medical conditions.

Cheapest Travel Insurance for High Blood Pressure and High Cholesterol

Aged 55Aged 65
WorldwideWorldwide, ex USA/Can/Mex/CaribWorldwideWorldwide, ex USA/Can/Mex/Carib
SingleMultiMultiSingleMultiMulti
Days per Trip143232143631
Medical Cover (millions)£12£14£13£11£12£12
Medical Excess£135£94£163£130£120£159
Cancellation Cover£1,450£2,600£1,450£1,600£1,700£1,400
Cancellation Excess£135£94£163£123£125£159
Baggage Cover£1,275£1,775£1,200£1,475£1,375£1,200
Baggage Excess£130£94£163£118£120£159
Average of 10 Cheapest Quotes£49£65£48£62£98£67
chart showing the cost of travel insurance for individuals with High Blood Pressure and High Cholesterol
Cheapest travel insurance for high BP and cholesterol

Cost of Travel Insurance with a History of Breast Cancer

Women with a history of breast cancer may pay even more for travel insurance than those with the other common medical conditions mentioned in this analysis. As part of the disclosure process the insurance provider will enquire about the time of your most recent episode, whether it has spread, where it has spread, and what treatment you are undergoing, if any. If your cancer has spread and/or you're in the midst of treatment or have treatment scheduled, you may find it difficult to get a policy online but may be able to obtain cover by calling a specialist provider such as Free Spirit or Fit2Travel.

Those whose history includes cancer that did not spread or spread only to Lymph nodes in the armpits, are who are no longer undergoing treatment, should be able to find a policy online. A 65-year-old woman whose breast cancer didn't spread would pay £260 on average for an Annual, Multi-Trip policy with Worldwide cover; but the

Average Cost of Travel Insurance for History of Breast Cancer

Aged 65
WorldwideWorldwide, ex USA/Can/Mex/Carib
SingleMultiMulti
Days per Trip143535
Medical Cover (millions)£12£11£12
Medical Excess£108£105£106
Cancellation Cover£3,123£3,239£3,145
Cancellation Excess£103£102£101
Baggage Cover£1,825£1,861£1,835
Baggage Excess£101£100£99
Average Premium£172£260£144

Cheaper policies can be found, with similar levels of overall cover. We've averaged the 10 cheapest online quotes in our research to find how much a woman might need to pay to get cover with a history of breast cancer.

Cheapest Travel Insurance for History of Breast Cancer

Aged 65
WorldwideWorldwide, ex USA/Can/Mex/Carib
SingleMultiMulti
Days per Trip143535
Medical Cover (millions)£12£11£12
Medical Excess£108£105£106
Cancellation Cover£3,123£3,239£3,145
Cancellation Excess£103£102£101
Baggage Cover£1,825£1,861£1,835
Baggage Excess£101£100£99
Average of 10 Cheapest Quotes£172£260£144
chart showing the cost of travel insurance for individuals with history of breast cancer
Cheapest travel insurance for history of breast cancer

Cost of Travel Insurance with Stents

Those with a coronary stent to keep their arteries open, as part of treatment for coronary heart disease, will certainly pay more for travel insurance with age, even if they have no history of heart attacks or chest pain, as you can see in the following chart.

Average Cost of Travel Insurance for Coronary Stents

Aged 55
WorldwideWorldwide, ex USA/Can/Mex/Carib
SingleMultiMulti
Days per Trip143422

Medical Cover (millions)
£11£10£12
Medical Excess£113£142£108
Cancellation Cover£2,671£2,165£3,124
Cancellation Excess£107£136£103
Baggage Cover£1,712£1,480£1,852
Baggage Excess£104£133£102
Average Premium£198£283£142

The average cost calculations reflect all of our gathered quotes, including some very expensive policies. Since most people won't buy the priciest plans, we've also calculated the average cost of the 10 cheapest travel insurance plans for stents, to gain an understanding of what one might need to pay to get a policy. The cheapest plans are around 43% cheaper than average.

Cheapest Travel Insurance for Coronary Stents

Aged 55
WorldwideWorldwide, ex USA/Can/Mex/Carib
SingleMultiMulti
Days per Trip143229
Medical Cover (millions)£8£8£12
Medical Excess£167£169£122
Cancellation Cover£1,475£1,775£1,500
Cancellation Excess£167£167£122
Baggage Cover£1,125£1,150£1,167
Baggage Excess£155£152£113
Average of 10 Cheapest Quotes£119£184£65
chart showing the cost of travel insurance for individuals with a coronary stent
Cheapest travel insurance for coronary stent

Methodology

We gathered hundreds of travel insurance quotes for the common pre-existing medical conditions of high blood pressure, high cholesterol, breast cancer, asthma and stents. Using this data, we calculated the average cost of cover and average cover limits and excess levels for medical, cancellation and baggage. Since the average calculations were skewed by some very expensive plans at the top end of the price range, which were 10X the cost of cheaper plans in some cases, we also calculated the average of the 10 cheapest quotes obtained. This provided a more realistic estimate of what a consumer might pay if they were looking for affordable travel insurance.

Below is a list of the insurance providers analyzed in our study. Not all providers returned quotes for each of the pre-existing medical conditions.

  • Coverwise
  • Southdowns
  • Cedartree
  • Admiral
  • Coverforyou
  • PostOfficeMoney
  • Legal & General
  • TravelInsurance4Medical
  • Fit2Travel
  • MoreThan
  • Zurich
  • VirginMoney
  • OK
  • TravelTime
  • Now
  • InsureAndGo
  • GoodToGo
  • DirectTravelInsurance
  • Sainsbury's
  • Explorer
  • JustTravelCover
  • RAC
  • Saga
  • AllSafe
  • FlexiCover
  • TopDog
  • InsuraTrip
  • BigBlueCover
  • Spectrum
  • Fortify
  • Debenhams
  • FreeSpirit

Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.