Pre-existing medical conditions

2017 Defaqto Travel Insurance Logo
At Saga, we recognise that as you get older, your medical needs change – our travel insurance is designed with this in mind. We cover many pre-existing medical conditions, which means if you suffer a flare up while you’re away, you’ll be insured for up to £10 million emergency medical treatment.

Other insurers may not provide cover for pre-existing conditions, and with treatment abroad being costly it is best to be properly covered. With Saga, you can focus on enjoying your holiday with the reassurance that you're adequately insured.

Saga Travel Insurance also includes:

  •     Up to £10 million emergency medical cover
  •     Our emergency medical cover also includes the cost of getting you home if medically necessary
  •     Up to £1,000 (£25 a day) for associated expenses during your stay in hospital
  •     24 hour travel assistance helpline before and during your trip.

24 hour travel assistance helpline

In the unfortunate event that you fall ill or become injured whilst away, our friendly UK-based travel assistance helpline is available 24/7. Our team can help you locate the nearest doctor or hospital and give you advice about whom you need to contact.

*93% of Saga Travel Insurance customers who had a quote between 1 March 2017 and 30 April 2017 would have received a 20% online discount. Discount may be withdrawn at any time and applies to the first year only.


FAQs - Travel insurance with medical conditions

Travel insurance for pre-existing medical conditions provides cover for those who suffer with an illness or injury. Saga Travel Insurance provides up to £10 million emergency medical treatment should you be taken ill whilst abroad.

This means you can enjoy your time abroad without having to worry about the financial implications of any illness or medical emergency abroad.

We will cover you for any condition declared on your policy if you are taken ill whilst abroad, or if you were involved in an accident. If you became ill whilst away as a result of your condition without appropriate cover or without disclosing your pre-existing medical condition, this can lead to complications should you need to make a claim.

Our travel insurance can cover the cost of getting you home if medically necessary, up to £1,000 for associated expenses during your stay in hospital, and we also provide a 24 hour travel assistance helpline before and during your trip.

This is a series of questions about your medical health, which determines the cover we can offer you. These questions can be answered over the phone or online. All personal and medical details are held in strict confidence in accordance with the Data Protection Act 1998.

At Saga we can cover many medical conditions under our travel insurance policy. We will ask a series of questions to assess if cover can be offered.

We cannot assess a condition until it has been diagnosed. We would advise that you wait until you have the results from your medical practitioner. Once a condition is diagnosed we can then assess it.

Yes, providing that the condition you are on a waiting list for is one that we cover and you are not travelling against your UK doctor’s advice. But where a claim is made under the Cancellation or Abandonment sections of the policy as a direct result of the medical condition for which you are on a waiting list, you will not have cover under these sections.

When travelling abroad medical treatment can be very expensive and bills could run in to the thousands if comprehensive cover is not taken out before you leave.

At Saga we aim to provide comprehensive cover for all of our customers. If we excluded your medical condition and you became ill whilst abroad as a result of your condition, the policy would not cover any medical emergency or treatment costs or be able to assist with any repatriation requirements. All bills would have to be funded by you and these can become very expensive in overseas hospitals and clinics.

The British Consulate or Foreign & Commonwealth Office is unable to help with medical costs if you are unable to pay yourself.

No, we do not ask for a certificate as long as your doctor has confirmed with you that you are fit to travel. We will rely on you answering the medical questions accurately. We will not cover claims for any existing medical conditions which you have not told us about.

If you develop a medical condition once you have taken out our policy you should notify us immediately to enable us to tell you if we can continue with cover. Any conditions that arise before you go on holiday that are not declared may invalidate your policy.