Fit2Travel Travel Insurance Review: Travelling with Pre-Existing Conditions?
Fit2Travel Travel Insurance Review: Travelling with Pre-Existing Conditions?
Good for
- Specializes in pre-existing medical conditions
- Medical repatriation
- Competitive prices
- End supplier failure cover
- Extra cover for mobility equipment
Bad for
- No gadget cover for mobile phones, etc. unless you buy an add on
- Relatively poor Covid-19 cover
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.
Fit2Travel is one of the UK's travel insurance providers specializing in pre-existing medical conditions. As a specialist, Fit2Travel considers all medical issues including cancer or cardiovascular conditions. With the easy-to-use online quote system you'll quickly know if Fit2Travel can provide cover for your situation and, if so, how much it will cost.
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In This Review
- Fit2Travel Travel Insurance Overall Review
- Fit2Travel Travel Insurance Policy Limits and Coverage Options
- How does Fit2Travel Compare to Competitors?
- Fit2Travel Policy Wording and Claims
If you want a few more features such as post-surgery aftercare once you return to the UK, you might want to also consider Free Spirit or goodtogoinsurance.com.
Fit2Travel Travel Insurance Review: What You Need to Know
As a specialist travel insurance provider for those with pre-existing conditions, Fit2Travel may be able to provide the cover you need even if you've suffered from a serious medical condition. Even if other travel insurance providers won't offer cover due to your individual medical situation, Fit2Travel may be more able to do so.
While Fit2Travel prices are typically competitive, nonetheless it's always wise to check prices with a number of providers before making a purchase.
We should point out one somewhat recent—and positive—change to their cover. Fit2Travel used to offer scheduled airline failure cover. They've taken this out, but have added in its place cover for end supplier failure (for gold and platinum cover). Read about the differences in depth here—but in essence, the cover is now better. Why? Scheduled airline failure cover only covers if your airline goes bust. But end supplier failure can cover airlines or other providers like accommodation. Also, the amount of cover has increased from Fit2Travel (e.g. from £1,500 of scheduled airline failure cover to £5,000 of end supplier failure for platinum plans).
Pre-Existing Conditions: Fit2Travel will consider cover for all pre-existing medical conditions on all policies. In fact, Fit2Travel is accustomed to providing cover for those with multiple medical conditions, and a number of conditions are included as standard without an extra premium required. To get a quote and buy a policy, through Fit2Travel's online screening process you'll be asked a series of questions to assess your situation.
When applying online, you'll be walked through Fit2Travel's easy-to-use online screening to get instant quotes straight away, and instant confirmation that the conditions you entered are indeed covered. It just takes a few minutes and the questions are quite clear. You'll find out immediately if Fit2Travel can offer you cover and at what price. Many conditions are included as standard (without you needing to pay an extra premium).
Over 65s: The upper age limit for travellers on Fit2Travel annual multi-trip policies is under 75 years of age at the start of the policy; the upper age limit on Single Trip policies is 85 years of age.
Gadget cover: There's no gadget cover as standard, even on the highest tier of cover. If you want cover for devices like mobiles phones, e-readers, laptops and tablets, you can buy the optional gadget extension—but this is limited to £1,000 of cover, which may be less than you need and is less than what's offered by some competitors like CoverForYou, which offers £1,000, £2,000 or £3,000 of total gadget cover.
Mobility equipment: If your mobility equipment is delayed, lost, stolen or accidentally damage, you'll get up to £1,000 on gold and platinum plans.
Covid-19 cover: Unfortunately, the cover for coronavirus-related claims is less robust than come competitors. You can read more in their policy documents (they don't seem to have Covid information readily available on their website, unfortunately), but here is a brief overview.
You are covered in case of Covid-19 for:
- if you're denied boarding on inbound journey (up to £40/24 hrs, max £560, for accommodation and money for alternative transport, £300 from Europe and £500 elsewhere)
- if you have to cancel or cut a trip short because you, or anyone insured on the policy, became ill with Covid-19
But you're not covered if:
- you went against FCDO, government, local authority or medical advice relating to any infectious disease including COVID-19
- you have to cancel or cut a trip short because a travel companion, a family member, a close business colleague, or the person you were going to stay with became ill with Covid-19
- you chose or were recommended to quarantine or isolate as a result of exposure to an infectious disease including Covid-19
- due to FCDO, government or local authority advice relating to any infectious disease including Covid-19
Change to policy wordings: In October 2023 Fit2Travel updated their policy wordings, and the biggest change related to language around alcohol consumption. Where last year the language referred to "excessive alcohol consumption" or "alcohol abuse" they now use the term "alcohol misuse". This comes into play because they won't pay claims related to alcohol misuse—which they define as drinking enough alcohol that a. your decision making is seriously affected or b. you suffer injury or illness from either long-term alcohol abuse or an individual drinking session. It seems that the new term of "misuse" might apply to more situations, so just an FYI.
Bottom Line: Expect Fit2Travel quotes to be competitive, hopefully allowing you to travel even if you've suffered from a serious medical condition. And policies include repatriation for you and a companion, should it be medically necessary. But, and this is a big BUT, their cover for Covid-19 could be better. Something to keep in mind...
How do Fit2Travel Prices Compare?
Overall, we found that Fit2Travel prices for travel insurance with pre-existing medical conditions are very competitive relative to other medical-specialist travel insurers. When compared to Free Spirit and GoodToGo, Fit2Travel's prices were cheaper for most medical conditions for our sample holidaymakers. For example, Fit2Go came in cheaper for those with high blood pressure & cholesterol (on one medication), anxiety & depression (on one medication), breast cancer (spread to one lymph node, 3 to 5 years ago), asthma with chronic airway obstruction.
However, Fit2Go was not always cheaper—for those with a heart attack and stent needing cover for a worldwide trip, Free Spirit provided cheaper travel insurance cover. We tested single trip travel to both EuropeAmerica.
| Health Condition | Geographic Area | Fit2Travel | Free Spirit | GoodToGo |
|---|---|---|---|---|
| High Blood Pressure & Cholesterol | Europe | £36 | £54 | £68 |
| Worldwide | £108 | £159 | £155 | |
| Anxiety & Depression | Europe | £36 | £54 | £68 |
| Worldwide | £108 | £154 | £152 | |
| Breast Cancer | Europe | £36 | £61 | £76 |
| Worldwide | £136 | £221 | £407 | |
| Asthma | Europe | £36 | £63 | £77 |
| Worldwide | £136 | £221 | £401 | |
| Aneurysm & Stent | Europe | £90 | £98 | £195 |
| Worldwide | £705 | £531 | £907 |
Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use this following data for general educational purposes only about the travel insurance market; your quotes may reflect a large degree of variation.
Fit2Travel Customer Reviews
There aren't very many customer reviews online, but all of the ones we could find are negative. A few of the complaints are related to policy terms such as the excess being payable per person or a limit on jewellery. Other negative comments are more worrisome. Here is a selection from Trustpilot, where 14 customers have left reviews averaging just 1.9 out of 5 stars:
"... hospitalised by a heart attack and told he needs a pacemaker fitting and this company have left them in limbo for over a month with no decision as to what can be done..."
"Our claim was for £460 and we got £60 as they charge £200 per person per claim."
"... because ferrys are not classed as public transport we couldn't claim for anything and also told we were only insured for our outbound journey and not back to the UK..."
"Our connecting flight was cancelled and we were left stranded with the airline taking no responsibility due to the cancellation being caused by bad weather... it turns out connecting flights are not covered. At all."
Fit2Travel Standard Features
As with most travel insurance plans, Fit2Travel includes cover for Emergency Medical, Cancellation and Baggage on all policies, limits for which can be found below in the Policies section. For more complete details like inner limits and exclusions, please see the policy documents.
| Fit2Travel Travel Insurance Features | |
|---|---|
| Emergency Medical | Cover for customary and reasonable fees or charges for necessary emergency treatment, and repatriation costs for you and one other person where medically necessary |
| Trip Cancellation/Curtailment | Cover for irrecoverable costs if your trip is cut short or cancelled ahead of time as a result of events including illness |
| Personal Belongings/Baggage | Cover for the loss, theft or damage to your possessions. Inner limits further restrict the amount you can claim for items like luggage, clothing, jewellery, laptops, etc. |
| Baggage Delay | Cover for essential items like a change of clothing, medication and toiletries if your baggage is delayed more than 12 hours on your outward journey |
| Financial Failure | Cover for any amounts already paid and unused if you had to cancel your trip because of the financial failure of the end supplier of the travel arrangements which do not form part of a package holiday. Read more about this type of cover here. |
| Missed Departure | Cover for alternative transport costs if you miss your outbound departure from your international departure point if, after leaving home, your car becomes un-driveable due to a mechanical breakdown or your public transport is delayed causing you to miss your departure from the United Kingdom, Channel Islands or BFPO |
| Delayed Departure | Benefit for delays over 12 hours at your international departure point to help contribute towards additional accommodation, car parking charges, food, drinks or telephone calls not provided by your carrier |
| Natural Disaster | Cover for reasonable additional costs (up to £500) of travel and accommodation in the event your pre-booked accommodation is damaged by a natural disaster during your trip. |
Fit2Travel Optional Extra Coverages
Fit2Travel offers extra coverage for trips that may not be otherwise covered by traditional travel insurance. For instance, travellers can buy cover for a cruise, golf trip, winter sports, wedding, and even fishing trips.
| Optional Cover | |
|---|---|
| Golf | Equipment delay, loss, theft or damage, adverse weather conditions, hole in one |
| Business | Loss, theft or damage to business equipment or business money, cover if you can't complete a business trip, delay of business samples |
| Winter Sports | Equipment delay, loss, theft or damage, piste closure, avalanche closure, loss of ski pass |
| Fishing | Fishing equipment delay, loss, theft or damage, and adverse weather conditions |
| Wedding | Loss/theft/damage to wedding rings, photos, gifts, wedding atire, cosmetics, flowers |
| Cruise | Missed port departure, skipped port, cabin confinement, formal cruise attire |
Be aware that costs of private treatment aren't covered unless Fit2Travel's 24-hour Emergency Assistance Facilities service has agreed and adequate public facilities are not available. You can reach Fit2Travel's 24 hour Emergency Medical Assistance Facilities at +44 (0) 1243 621 501. You may need to pay the policy excess locally and ask the hospital to send the rest of their bills to Travel Claims Facilities at: CEGA Claims Service, PO Box 127, Chichester, West Sussex, PO18 7WQ.
Fit2Travel Travel Insurance Cover Plans & Limits
Travellers can choose between the Silver, Gold and Platinum Fit2Travel plans, depending on the level of cover they need. For instance, those with holidays worth around £5,000 would opt for the Platinum plan, whereas those only needing £1,000 to cover non-refundable travel and accommodation expenses might find the Silver plan to be sufficient.
| Coverage | Silver | Gold | Platinum |
|---|---|---|---|
| Emergency Medical | £10 million | £10 million | £10 million |
| Medical Excess | £149 | £99 | No excess |
| Emergency Assistance | Yes | Yes | Yes |
| Cancellation cover | £1,000 | £2,500 | £5,000 |
| Cancellation excess | £149 | £99 | No excess |
| Abandonment following delay | £1,000 | £2,500 | £5,000 |
| End supplier failure | Not covered | £2,500 | £5,000 |
| Missed departure outbound | £250 | £500 | £1,000 |
| Baggage cover | £1,000 | £2,000 | £3,000 |
| Baggage excess | £149 | £99 | No excess |
| Baggage delay | £100 per 12 hr delay, max £300 | ||
| Basis | Wear and tear | Wear and tear | Wear and tear |
| Valuables | £400 | £400 | £400 |
| Money | £200 | £400 | £500 |
| Money excess | £149 | £99 | No excess |
| Legal expenses | £50,000 | £50,000 | £50,000 |
How does Fit2Travel Compare to Competitors?
To better understand the value of Fit2Travel travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.
Fit2Travel vs Free Spirit Travel Insurance
Another medical-specialist for those travelling with health conditions, Free Spirit offers a host of optional extras like aftercare following hospitalisation abroad, which covers home help, cosmetic surgery, dental treatment, physiotherapy and UK convalescence. Prices are typically close to average, although can vary depending on the condition.
Bottom Line: Free Spirit provides robust aftercare once you return home to the UK (e.g., physiotherapy, cosmetic surgery, etc.), but Fit2Travel stands out for lower prices in most cases. If price is a priority, Free Spirit is likely to be cheaper (but we recommend checking both to be sure).
Fit2Travel Travel Insurance vs goodtogoinsurance.com Travel Insurance
Another medical-specialist for those travelling with health issues, goodtogoinsurance.com offers a host of optional extras like 24/7 Virtual Doctor to speak with a UK doctor for advice whilst abroad and Gadget cover. All plans include financial failure and repatriation, plus home help and a recuperation holiday post emergency surgery abroad if you stayed in hospital for 5 days.
Bottom Line: goodtogoinsurance.com provides lots of extra perks like an optional 24/7 Virtual Doctor, aftercare once you return home to the UK (e.g., home help) and recuperation holidays, but Fit2Travel stands out for cheaper prices. If price is a priority, you might find a cheaper rate from Fit2Travel but, as always, check prices from both before deciding.