Travel insurance for medical conditions

  • We offer quick and easy medical screening

  • Trip cancellation and curtailment cover included

  • Emergency medical and repatriation costs covered

What does travel insurance cover for Covid-19?


All new policies include coronavirus cover for cancellation, curtailment and medical costs due to Covid-19 in certain circumstances. And you can add extra protection for missed departures or change in testing and quarantine rules with our Covid-19 upgrade.

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Make sure you have the right medical travel insurance

Getting the right treatment when abroad is important, especially if you’ve got an existing medical condition. So it’s important to have the right cover too. Treatment for an unexpected illness – whether or not you have an existing condition – can quickly run into the thousands of pounds, so making sure you’ve got protection in place is vital.

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We cover against common medical conditions



Diabetes can vary in severity which can impact other areas of health. Our travel insurance takes into account all the differing levels, such as how advanced your condition is, where you're travelling to and whether you have other health concerns.



This condition can range from mild to severe and might be linked to other respiratory problems. So it’s important to have the right travel insurance for asthma. We'll assess your condition on a case-by-case basis to see whether we can give you the right cover.


Heart conditions

From high-cholesterol to high blood pressure, we want to help you enjoy your trip. Whether we can offer you cover will depend on a variety of factors, but we’ll take everything into consideration from the outset and try to help you find cover that will offer protection should you fall ill abroad.

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EHIC card

Ehic or Ghic aren't always enough

UK citizens travelling in EU countries can access some state-provided healthcare there for free or at a reduced cost. You'll need a European Health Insurance Card (Ehic) that's yet to expire or its replacement, the new UK Global Health Insurance Card (Ghic).

Remember, neither card covers any additional cost to return you to the UK or for a relative to stay or fly out to be with you. In a medical emergency you may have no control over the hospital you are taken to or the closest hospital may be private. But medical travel insurance may be able to cover some of the cost for you.

From 1 January 2021 the Ehic will no longer provide access to healthcare services in Iceland, Liechtenstein, Norway or Switzerland for UK nationals.

EHIC card
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Illness abroad

If you're ill abroad we can look after you

If you're taken ill on holiday and unfortunately end up in hospital, the emergency medical assistance team can be contacted to assist you in finding the right facility for treatment and may be able to give help with the costs. That means we'll look at the facilities that are available to you as well as the care you need. We may be able to get you home. And we may be able to pay towards your medical costs.

The availability of cover options is dependent upon the level of cover you select. Conditions and exclusions apply. For full details of what's included with your cover, check our policy documents.

Illness abroad
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Quick & easy medical screening


Get a quote online or by phone

When you choose Post Office® to provide your medical travel insurance, all you have to do is answer a few questions. We can either take you through your medical screening online or over the phone.

Get a quote

Medical Questions

Tell us everything we need to know

Tell us about the conditions you have and medications you are taking and we will try to provide you with cover. If you can help us by telling us everything you know, you'll be better equipped to ensure you have the right cover in place for your specific needs. Otherwise there's a risk you might not be protected if you have a problem while you're on holiday.


All medical conditions considered

Post Office Travel Insurance covers most pre-existing medical conditions. Get a quote today to see if we can cover you. If you have a serious pre-existing medical condition that Post Office Travel Insurance cannot offer cover for, the Money and Pensions Scheme (MaPS) have launched a directory listing companies that may be able to help you. The directory can be accessed by either clicking here or calling 0800 138 7777.

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    Winning awards for more than 10 years

    Post Office won a "Best Travel Insurance provider" award at the Your Money Awards in 2021. 


    Our Premier policies are 5-star rated by Defaqto.


    Post Office won a ‘Best Travel Insurance Provider’ category award at the British Travel Awards in 2019.

your money awards 2021 travel insurance
Travel-Insurance award Defaqto logo
Bronze - British Travel Awards 2019 - Best Travel Insurance Provider
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Plan ahead

Plan ahead, just in case

Insurance won't cover you for routine or non-emergency treatment you may need while you are away. So if you are on prescription drugs, check you have enough with you to last your journey.


Plan ahead
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Medical Travel Insurance FAQs

Still have questions about travel insurance?

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Travel Insurance cover types


  • Cover for a one-off trip in the UK or abroad
  • Perfect for one-off trips or longer holidays of up to 365-days*
  • No Age limit

Annual Multi-trip

  • Cover for multiple trips for a 12 month period
  • You can go away multiple times in the policy year with various trips durations available **
  • Available for everyone aged up to 75 years


  • Cover for a one-off trip up to 18 months
  • Option to return home for up to 7 days on 3 occasions
  • For people aged 18 to 60 wanting to travel around the world for a gap year or career break
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Get a travel insurance quote


It’s quick and easy to get a quote today


*For Economy, Standard and Premier policies, the Singe trip policy will cover you for one trip up to:

365 days for persons aged up to and including age 70.

90 days for persons aged between 71 and 75.

31 days for persons aged between 76 and above.


**For Economy, Standard and Premier policies under Annual Multi-trip policy although you can take as many trips as you want within the policy year, there is a maximum duration for each individual trip. This limit varies depending on the cover level chosen and will be 17 or 31 days. On some policies the limit can be extended to 31, 45 or 60 days for an additional premium.

Small Print


Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited. 


Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited.


The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).