Just Travel Cover Insurance Review: Best for Your Pre-Existing Medical Conditions?

Just Travel Cover Insurance Review: Best for Your Pre-Existing Medical Conditions?

A specialist travel insurance broker for pre-existing medical conditions for over 65s.

Good for

  • Specialist travel insurance broker
  • Access to numerous underwriters
  • Covers medical conditions
  • Competitive rates

Bad for

  • As plans vary depending on the underwriter, you'll need to check policy details

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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Just Travel Cover is a solid choice for travellers over the age of 65 with pre-existing medical conditions. They scored excellent marks across a host of customer review sites, have no upper age limit, allow longer-than-average trips and cover most pre-existing medical conditions including asthma, arthritis, diabetes, heart conditions, cancer, and even a terminal prognosis.

In This Review

Just Travel Cover Insurance Review: What You Need to Know

As a specialist travel insurance broker, JustTravelcover.com provides cover via a panel of different partners, including Avion, Unity Travel (AIG), Good2Go, Free Spirit Flex, Holiday Angel (AIG) and Able2Travel, enabling those over 65 with pre-existing medical conditions to find a good plan to suit their needs. Their policies are available direct from JustTravelcover.com as well as from comparison sites online.

Just Travel Cover customers should expect a quick and easy application process with online medical screening and an instant quote system for those with medical conditions to declare. Be sure to travel with your EHIC/UK Global Health Insurance (Ghic) card where applicable, as you might not need to pay the medical excess if your claim was reduced due to you using an EHIC/Ghic or private medical insurance.

Customer reviews are generally positive, with 95% of customers recommending Just Travel Cover on Reviews.io. Their Trustpilot rating is also strong at 4.5 out of 5 stars—note, we'd say the Reviews.io rating is more indicative of the typical customer experience, because that rating is based on more than 16,000 customer opinions, whereas the Trustpilot rating is based on just 600+.

Also, keep in mind their policies have a wide range of features, however, depending on the underwriter and the plan name so it'll take some investigation to be sure you're getting what you want.

Just Travel Insurance Ratings
Reviews.io4.7 stars out of 5
Trustpilot4.5 stars out of 5

As a travel insurance specialist, what's nice is that they offer a lot of features and options. You can:

  • Customise the maximum trip length on annual policies from 21 - 93 days (so you don't pay for more than you need)
  • Add cruise cover
  • Add extra sports pack
  • Add winter sports
  • Add golf
  • Exclude cancellation and/or baggage
  • Choose an excess waiver
  • Go an an unlimited number of trips in the UK, Europe and Worldwide in the cover period
  • Get easy, fast, and accurate online medical screening
  • Cover hundreds of pre-existing medical conditions
  • Plus, everyone insured under the policy can travel independently
  • And zero excess policies are available

Coronavirus update

All JustTravelCover policies include cover for emergency medical and associated expenses (including if you contract Coronavirus on holiday); and all policies now provide cover if you need to cancel your holiday because you test positive for Covid-19 before you travel (but each insurer has different terms). Read more here for the latest information.

Bottom Line: Through its network of underwriters, Just Travel can provide cover for most pre-existing medical conditions at a competitive price. As policy details can vary depending on the underwriter, be sure to read through the policy details before you buy.

How do Just Travel Cover Prices Compare?

As a broker, Just Travel can provide a wide range of policy coverages and prices, to suit various needs. To get a feel of how Just Travel's prices compare to competitors, we gathered prices for a 65-year-old holidaymaker going on a 2-week trip with various common medical conditions.

As you can see below, travel insurance to Europe is much cheaper than cover for North America, due to the EHIC/Ghic providing access to free or reduced-cost health care for Brits whilst on the continent. And JustTravelcover.com generally offers competitive rates compared to some other pre-existing condition specialists, such as Fit2Travel and Free Spirit.

However there were inconsistencies. For example, in our test, Just Travel wouldn't offer cover for anxiety and depression (on medication) going to Europe, but offered the best rates for the same condition for travel in North America.

Health ConditionGeographic AreaFit2TravelFree SpiritJustTravelcover.com
High Blood Pressure & CholesterolEurope£36£54£29
North America£108£159£95
Anxiety & DepressionEurope£36£54n/a
North America£108£154£56
Breast CancerEurope£36£61£33
North America£136£221£134
North America£136£221£134
Aneurysm & StentEurope£90£98£49
North America£705£531£411
chart showing prices of Just Travel Cover travel insurance plans compared to competitors for Worldwide travel
chart showing prices of Just Travel Cover travel insurance plans compared to competitors for European 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.

Just Travel Cover Insurance Cover Plans & Limits

JustTravelcover.com technically offers three tiers of cover—Bronze, Silver and Gold—however the coverage features and amounts may vary depending on the underwriter. In fact, if you get a quote, you can compare up to 41 prices.

To illustrate how much coverage varies by underwriter, consider that Bronze plans bought from them range from £0 cancellation cover up to £3,000; Gold policies bought directly from them range from £4,000 to £12,000 of cancellation cover.

How does Just Travel Cover Compare to Competitors?

To better understand the value of Just Travel Cover 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.

Just Travel Cover Insurance vs Fit2Travel Travel Insurance

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

Bottom Line: If you're looking for a low rate on travel insurance for medical conditions, both of these companies are likely to provide competitive prices.

Just Travel Cover 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 stands out for the optional 24/7 Virtual Doctor and recuperation trips. But if price is a priority, Just Travel is likely to offer cheaper rates.

Other Useful Information

As JustTravelcover.com is a broker, the claim instructions will vary depending on the underwriter of your policy. You'll find full details of how to claim inside your policy wording. If you need assistance whilst away, call the 24-hour emergency assistance number which you'll also find in your policy wording. Always take this number and the policy wording with you, because if you need medical treatment you may need to call the emergency support line before receiving medical treatment to have your treatment authorised.

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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