It is important that you don’t book your holiday until you have taken out holiday insurance which covers you for a ‘pre-existing medical condition’ Most standard policies do not provide this type of cover and, below, is a list of companies that may be able to help if you have problems obtaining insurance.

Medical Travel Compared
The easy way to compare medical travel insurance.
Website : medicaltravelcompared.co.uk

The Insurance Surgery 
Broker - Specialist service for people in high risk category.
Website : www.the-insurance-surgery.co.uk
Telephone : 0800 083 2829

Freedom Insurance Services Ltd
Website : www.freedominsure.co.uk
Telephone : 01223 446 914

Able2Travel 
Website : able2travel.com
Telephone : 01483 806 826
E-mail : [email protected]

Just Travel Cover
Website : www.justtravelcover.com
Telephone : 0800 988 2832

JD Travel Insurance
Website : www.jdtravelinsurance.co.uk
Telephone : 0344 247 4749
E-mail : [email protected]

Good to Go Travel Insurance
Website : www.goodtogoinsurance.com
Telephone : 0330 024 9949
E-mail : [email protected]

Travel Insured (Manor Insurance Services)
Website : www.travelinsured.co.uk
Telephone : 0800 092 4383
E-mail : Contact form

Avanti Travel Insurance
Website : www.avantitravelinsurance.co.uk
Telephone : 0808 169 6781
E-mail : [email protected]

BIBA British Insurance Brokers Association
Website : www.biba.org.uk
Telephone : 0370 950 1790
E-mail : [email protected]

Citybond Suretravel
Website : www.citybond.co.uk
Telephone : 0333 207 0506
E-mail : [email protected]

Fish Travel
Website : www.fishinsurance.co.uk
Telephone : 0333 331 3770
E-mail : [email protected]

Top Dog Insurance
Website : www.topdoginsurance.co.uk
Telephone : 0800 093 6686
E-mail : [email protected]

Columbus Direct
Website : www.columbusdirect.com
Telephone : 0800 068 0060
E-mail : [email protected]

Free Spirit
Website : www.freespirittravelinsurance.com
Telephone : 02392 419 070 
E-mail : [email protected]

Travel Insurance 4 Medical
Website : www.travelinsurance4medical.co.uk
Telephone : 0345 90 80 121
E-mail : [email protected]

MIA Online
Website : www.miatravelinsurance.co.uk
Telephone : 0800 999 3333
E-mail : [email protected]

Orbis Insurance Services
Website : www.orbisinsurance.co.uk
Telephone : 01274 518 393
E-mail : [email protected]

World First Travel Insurance
Website : www.world-first.co.uk
Telephone : 0345 90 80 161
E-mail : [email protected]

Post Office
Telephone : 0330 123 3690
Website www.postoffice.co.uk/travel-insurance

The National Kidney Federation would welcome any feedback on the above companies; Also, details of any other insurance companies that you have found helpful with regard to insuring people with pre-existing conditions. Contact us on 0800 169 0936 or e-mail [email protected] 

TRAVEL INSURANCE INFORMATION

Note: Insurance companies can and do change their Terms & Conditions - always ensure you have current information on Policies. Also note that insurance companies usually take each case on its merits; it is usually a case of phoning around and finding the one that is the most suitable for you.

Remember that, in Europe, in addition to the correct holiday insurance, you should also carry a European Health Insurance Card (EHIC) (click here for more details).

The National Kidney Federation would welcome any feedback on the above companies; Also, details of any other insurance companies that you have found helpful with regard to insuring people with pre-existing conditions (Contact details below).

WARNING - Many Insurance Companies take on new policies without asking any medical questions. They are able to do this because they rely on a clause in the small print which says that they will not cover pre-existing medical conditions. Patients must realise that such policies do not give them Insurance cover, and that any claims as a result (both directly and indirectly) of existing kidney disease under such a policy would not be honoured in the event of a claim. Whether you were accepted (without disclosing existing illness) and are paying the premium, is irrelevant in such cases.

To travel abroad without Insurance which covers you for your pre-existing medical conditions could be catastrophic financially.return to Tips & guidance page goto top of page


The National Kidney Federation cannot accept responsibility for information provided. The above is for guidance only.

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