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

Just Travel
Just Travel

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

4.0/5.0

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.

Coronavirus update (May 2020): You can still buy a new travel insurance policy from Just Travel. Some of Just Travel's insurers will provide new cover for emergency medical expenses and repatriation if you catch COVID-19 when on holiday (assuming you haven't travelled against FCO advice), but there will be no cancellation cover related to coronavirus on any new policies. Click here for the latest information.

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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 Infinity, Unity and Holiday Angel, enabling those over 65 with pre-existing medical conditions to find a good plan to suit their needs. Additionally, they offer Holiday Angel plans via Compare Cover's comparison panel, for those who want to check prices across dozens of plans at one time.

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 card where applicable, as you won't need to pay the medical excess if your claim was reduced due to you using an EHIC or private medical insurance.

Customer reviews are generally positive, with 95% of customers recommending Just Travel Cover on Reviews.io. Their policies have a wide range of Defaqto ratings, however, depending on the underwriter and the plan name.

Just Travel Insurance Ratings
Reviews.io4.64 stars out of 5
Trustpilot4.4 stars out of 5
DefaqtoRanges form 1 star to 5 stars, depending on underwriter and plan

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 from Compare Cover.

As you can see below, travel insurance to Europe is much cheaper than cover for North America, due to the EHIC 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
AsthmaEurope£36£63£33
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 amounts may vary depending on the underwriter. Below we illustrate the coverage amounts for plans with their partner Holiday Angel, available from Compare Cover.


Just Travel Cover (Holiday Angel from Compare Cover)
BronzeSilverGold
Standard Excess£250£150£100
Cancellation/Curtailment£1,250£2,500£4,000
End Supplier Failuren/an/a£1,500
Emergency Medical and Other Expenses£5,000,000£10,000,000£10,000,000
Dental Expenses (outside the UK)n/a£300£400
Personal Baggage£1,000£1,500£2,000
Valuables£200£400£600
Missed Departuren/a£500£750
Catastrophen/a£50 per 24 hours up to £500£50 per 24 hours up to £750
Cancellation of trip following Terrorist attackn/an/a£2,500 per person/£10,000 per policy
Funeral costs abroad£1,500£1,500£1,500
Mobility Aids£500£1,000£1,500

To illustrate how much coverage varies by underwriter, consider that some Gold policies bought directly from them include up 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 CEO, Co-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.

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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.