Review of Need Travel Insurance for Medical Conditions?

Review of Need Travel Insurance for Medical Conditions?

A specialist travel insurer for pre-existing medical conditions, offering a host of attractive features like 24/7 Virtual Doctor and recuperation holidays and home help after emergency surgery abroad.

Good for

  • Specialist travel insurer
  • Most medical conditions, including severe and terminal cases
  • Many options including Gadget and 24/7 Virtual Doctor
  • Excellent customer reviews
  • Medical repatriation

Bad for

  • Those looking for the cheapest cover

Editor's Rating


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.

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Travel insurer specializes in covering people with pre-existing medical conditions, even in severe or terminal cases. Knowing their target audience and aiming to serve them well, offers a host of features for those worried about travelling with medical issues. Here are a few features offered by that can benefit those with medical conditions:

  • Medical repatriation for you and a companion if medically necessary
  • Optional 24/7 Virtual Doctor Access to speak with a UK-based doctor for advice when you're abroad
  • Budget option: For those who want bare bones travel insurance only for medical emergency cover, the Silver plan doesn't include cancellation, baggage etc., and is cheaper as a result
  • Following emergency surgery and a 5-day hospital stay abroad, cover for a recuperation holiday and home help

In addition, there's no upper age limits. And goodtogo offers desirable features like Catastrophe cover on their top two tiers on most plans and the option to add cover for your gadgets. (Scheduled Airline Failure/End Supplier Failure is now not included as standard, although you can buy it as an add on, too.)

Those going on a cruise can get cover for cabin confinement, emergency airlift to hospital, missed port and unused excursions. To learn more about market prices please see our article Average Cost of Cruise Travel Insurance UK.

Applying is pretty quick and easy, either on the phone or online. As part of the quote process you’ll disclose your medical conditions and answer a series of multiple choice questions, such as past treatments, any upcoming, scheduled treatments and whether you had any hospital stays in the past year. You don’t need a doctor's certificate or the names of any medications. Scheduled Airline Failure is included on all policies.

While not the cheapest in the market,'s features are more robust than many competitors.

For travellers just looking for medical emergency cover when they're on holiday,’s medical-only Silver plan can be an interesting option. The Silver plan doesn’t cover mishaps like cancellation or lost baggage. But for those whose priority is protection against the potential financial devastation of a medical event abroad, the Silver plan can provide emergency medical cover at a more economical rate since events like cancellation or baggage are not included. (This would only work for you as an option if you're prepared to absorb any costs of a cancelled trip or lost baggage, however.)

What if I have a severe medical condition? If you're struggling to find Annual travel insurance to cover your medical conditions at a reasonable price, you may want to consider a single trip policy instead. Since those with a severe medical condition are riskier to insure, travel insurance providers are more comfortable providing cover for a known trip over a limited time, as discussed in our article on top tips for travel insurance with medical conditions.

For single trip policies, will consider all types of conditions up to a very high level of severity. For annual multi-trip policies, however, can cover a more limited degree of severity.

Over 65s: will cover travellers of any age, whether you’re over 65, over 80 or even over 90!

Bottom Line: can provide travel insurance for most people, even those with a severe medical conditions. Extra options such as the 24/7 Virtual Doctor and Gadget cover set apart from the competitors.

Covid cover

All standard policies now cover emergency medical treatment and repatriation if required for those who catch Covid-19 while abroad. They also cover additional accommodation and transport costs if you can't return home because you caught covid and were made to quarantine abroad.

Plus, Cruise policies cover cabin confinement and Platinum policies cover if you're confined to your accommodation.

Their Gold and Platinum policies and all levels of Cruise cover also provide cancellation for the following covid-related situations:

  • if you, someone insured on the policy or a travel companion catches Covid-19 within 14 days of departure
  • Cancellation if you, someone insured on the policy or a household member has to isolate at home due to covid
  • if you, someone insured on the policy or a family member is hospitalised or die due to covid
  • if you or anyone insured on the policy, or a family member are hospitalised or die due to Covid-19.

Read their latest covid cover information here. Customer Reviews and Ratings Ratings & Customer Reviews
Trustpilot customer service rating4.7 out of 5

Is Travel Insurance any good? goodtogotravel insurance rates well for features, in particular their Platinum policies. But how is goodtogo's customer service? We've read through hundreds of reviews to see what real customers have to say about travel insurance. Here's what we found: Travel Insurance Trustpilot has earned an impressive 4.7 stars out of 5 at Trustpilot, with nearly 8 out of 10 customers giving a full 5 stars indicating an Excellent experience. But when something goes wrong, what do customers experience? Here is a sample of the more common comments and some remarkable complaints left on Trustpilot:

"Good service and they answer the phone, will use again."

"Have used goodtotgo on several occasions and always found them to be efficient & on the one time my husband had to cancel a trip, the claim was dealt with speedily."

"So happy to renew with you, covid was explained and only paid a little extra, we had a claim a few years ago it was really straight forward just a phone call we had little else to do, every thing was done for us..."

"I have been diagnosed with Bladder Cancer and needed extra Travel Cover. My annual travel insurance company didn’t want to know. I contacted Goodtogo spoke to a very nice Lady, after a few questions about my Cancer I got full cover for my forthcoming pre Surgery Trip. Would certainly recommend Goodtogo."

"We have been waiting over two years for them to pay a medical bill on a trip we took to the US. My disabled son needed an emergency surgery, and we chose this company because they said they would cover his pre existing medical conditions. The hospital says we owe them $89,000 as goodtogo are refusing to pay the full amount of the bill. They have not communicated with us about this at all. Communication is terrible (for claims, not for when you’re buying the policy) and they have caused us a great amount of stress."

Note: there were also a number of complaints from the first half of 2020 related to Covid-related trip cancellations. It seems that trip cancellations were not covered to many customers' satisfaction. has since come up with new COVID-19 policies that cover cancellation if you catch COVID-19 before you travel and need to cancel your holiday. If this is a priority for you, it may be worth paying extra for this cover.

How do Prices Compare?

We compared's premium Platinum plan against similar, competing plans from Free2Travel and Free Spirit, and found that's prices were frequently on the high side.

For example,'s Platinum plan cost 2X for cover for aneurysm and a stent in Europe vs. Free2Travel and Free Spirit's prices, but in some cases their prices were in line with competitors. The table and charts below illustrate sample prices for a 65-year-old traveller with various conditions for premium plans with £10 million of medical, £5,000 of cancellation and £3,000 of baggage cover.

Health ConditionGeographic AreaFit2TravelFree SpiritGoodToGo
High Blood Pressure & CholesterolEurope£36£54£68
Anxiety & DepressionEurope£36£54£68
Breast CancerEurope£36£61£76
Aneurysm & StentEurope£90£98£195
chart showing prices of Free Spirit travel insurance plans compared to competitors for Europe travel
chart showing prices of Free Spirit travel insurance plans compared to competitors for Worldwide travel

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. Gold and Platinum Standard Features includes cover for Emergency Medical, Cancellation and Baggage on their Gold and Platinum policies, limits for which can be found below in the Policies section. Their Silver plan is a "medical only" insurance plan.

Free Spirit Travel Insurance Features
Emergency MedicalProvides cover for your emergency medical bills, emergency dental treatment and repatriation back to the UK, up to the amount specified.
Trip Cancellation/CurtailmentProvides cover for your unrecoverable holiday costs in the event that you are forced to cancel your trip due to various reasons such as illness or redundancy.
Personal Belongings/BaggageProvides cover for the accidental loss, damage or theft of your baggage and personal effects.
Baggage DelayProvides a benefit to cover the cost of essential replacement clothing and toiletries if your baggage is delayed on your outward journey, up to the amount specified.
Missed DepartureProvides cover for additional travel and/or accommodation expenses in the event that you miss the departure of your outward or final return journey home, due to accident, electrical or mechanical breakdown of the vehicle you are travelling in.
Travel DelayProvides a benefit to cover incidental expenses, up to the amount specified, if the start of your booked outward, or return international, journey is delayed for more than 12 hours, due to industrial action, adverse weather or mechanical breakdown.
Natural DisasterProvides cover up to the amount specified to continue your trip if you are forced to move from your pre booked accommodation as a result of a natural catastrophe such as hurricane or earthquake.
Home HelpProvides a benefit as specified, to cover the additional costs of employing a home help or nanny, if you are hospitalised, or advised to stay in bed at home, once repatriated back to the UK, after spending more than 5 days in hospital and undergoing surgery during your trip.
Recuperation HolidayProvides cover up to the amount specified to cover travel and accommodation expenses of a recuperation holiday, within 3 months of your return to the UK from your trip, if you have to spend more than 5 days in hospital after undergoing surgery during your trip
Loss of MedicationProvides cover up to the amount specified for the necessary and reasonable cost of replacing essential medication lost or stolen during your trip.

For more complete details like inner limits and exclusions, please see the policy documents. Optional Extra Coverages offers a wide range of extra coverages to protect you while you’re abroad. For instance, you can buy winter sports cover, cruise cover and gadget cover to protect mobile phones and tablets when you go abroad. Optional ExtrasSummary
GadgetsExtend the Personal Property section of your travel insurance to cover loss, theft or damage to your tablet, mobile phone and other gadgets while you’re away.
24/7 UK Virtual Doctor AccessUnlimited access to a private GP helpline whilst you are on holiday, enabling you to speak to a doctor in the UK at a time and place that suits you.
Terrorism ExtensionAdditional cover up to £2000 to cancel or cut short your trip if a terrorist act occurs within a 40 mile radius of your pre-booked accommodation and you no longer want to travel.
Missed ConnectionProvides cover for additional travel and/or accommodation expenses in the event that you missa connecting flight, ferry, cruise ship, train or motor vehicle due to a delay to your initial international outbound transport. (Particularly suitable for those going on a cruise, coach or rail holiday departing from an overseas location.)
Natural CatastropheCover for cancellation due to unexpected natural events such as volcanic ash cloud and other natural disasters (e.g., earthquakes, flood and hurricanes).
Hazardous Activities & SportsCover for those up to age 75 for more adventurous activities, such as hot air ballooning, helicopter rides and cycle touring.
Scheduled Airline Failure (insolvency cover)Cover in case of insolvency if you booked a holiday independently or a flight direct with the airline.
Pet Cancellation and CurtailmentExtends the 'cancellation and curtailment' section of your policy to cover unrecoverable holiday costs like transport, accommodation, and foreign car hire if you have you cancel or cut short a trip because your dog or cat needs emergency life-saving treatment.
Overseas Return Quarantine (Denied boarding due to infectious diseases)Cover if you're denied boarding to come home because of confirmed or suspected infectious disease like Covid-19. Travel Insurance Cover Plans & Limits offers three tiers of travel insurance: Silver, Gold and Platinum. While all three offer the same £10 million of emergency medical cover, the tiers differ in limits for other coverages. Platinum has the most robust set of features. For instance, the top-tier Platinum plan protects holidays valued up to £5,000 against cancellation or curtailment, whereas the entry-level Silver plan is structured as a medical-only plan and doesn’t offer any cover for cancellation, baggage, etc.

Summary of Key FeaturesSilverGoldPlatinum
Standard Excess£100£75£0
Medical Excess£500£150£0
CancellationNo cover£2,000£5,000
CurtailmentNo cover£2,000£5,000
Missed DepartureNo cover£500£500
Travel DelayNo cover£100/£20 per 12 hrs£100/£20 per 12 hrs
AbandonmentNo cover£2,000£5,000
Personal Accident (Death, Loss of Limb/Sight, Permanent Total Disablement)No cover£15,000£15,000
Emergency Medical and Repatriation Expenses£10,000,000£10,000,000£10,000,000
Hospital Benefit (total/per 24 hrs)£1000/£25£1000/£25£1000/£25
Loss of Medication£300£300£300
Recuperation Holiday£750£750£750
UK Medical Exam£500£500£500
Home Help or Nanny£500/£100£500/£100£500/£100
Cosmetic Surgery£2,500£2,500£2,500
Kennel and Cattery£500£500£500
Personal PropertyNo cover£2,000£3,000
Single Article LimitNo cover£250£300
Valuables LimitNo cover£250£300
Spectacles LimitNo cover£150£300
Laptop CoverNo cover£500£500
Delayed BaggageNo cover£100£300
Personal MoneyNo cover£400£400
Cash LimitNo cover£200£300
Mobility Aids£2,500£2,500£2,500
Loss of PassportNo cover£300£300
Personal LiabilityNo cover£2,000,000£2,000,000
Legal ExpensesNo cover£25,000£25,000
CatastropheNo cover£1,000£1,000
Hijack (total/per 24 hrs)No cover£500/£40£500/£40

How does Compare to Competitors?

To better understand the value of 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. Travel Insurance vs Fit2Travel Travel Insurance

Fit2Travel is another travel insurer specializing in offering cover to those with pre-existing medical conditions. Fit2Travel plans are typically more economical relative to others in the market for the level of cover, but you don't get perks like aftercare cover post hospitalization once you return home to the UK.

Bottom Line: If you want features like cover for home help after a qualifying surgery on your return home to the UK, a recuperation holiday or optional 24-hour doctor advice then you might be happy to pay more for If price is your priority, you're likely to find a cheaper premium with Fit2Travel. Travel Insurance 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 hospitalization 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 aftercare once you return home to the UK (e.g., physiotherapy, cosmetic surgery, etc.), but stands out for the optional 24/7 Virtual Doctor and recuperation trips. If price is a priority, Free Spirit is likely to be cheaper.

Other Useful Information

Erin Yurday

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.


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.

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