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  • Travel & Life Insurance

Travel & Life Insurance


For information about life insurance for kidney patients click here.

A guide to life insurance and high cholesterol click here.


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.

Direct insurance providers:

Able2Travel

Description: Specialize in travelers with medical conditions

Website: able2travel.com

Telephone: 01483 806 826

E-mail: [email protected]

AllClear

Description: Specialist Travel Insurance Provider for people with medical conditions

Website: allcleartravel.co.uk/medical-conditions

Telephone: 0800 294 5138

E-mail: [email protected]

Avanti Travel Insurance

Description: Specialists in medical conditions and over 50's

Website: avantitravelinsurance.co.uk

E-mail: [email protected]

BIBA British Insurance Brokers Association

Website: biba.org.uk/find-insurance

Telephone: 0370 950 1790

E-mail: [email protected]

Columbus Direct

Website: columbusdirect.com

Telephone: 0800 068 0060

Fish Travel

Website: fishinsurance.co.uk

Telephone: 0333 331 3770

E-mail: [email protected]

Free Spirit

Description: Good feedback from dx patient 10/1/23

Website: freespirittravelinsurance.com

Telephone: 02392 419 080

E-mail: [email protected]

Freedom Insurance Services Ltd

Website: freedominsure.co.uk

Telephone: 01223 446 914

E-mail: [email protected]

Good to Go Travel Insurance

Website: goodtogoinsurance.com

Telephone: 0330 024 9949

E-mail: [email protected]

Insurance With

Description: Good feedback from TX patient Mr. Ashley May 2022

Telephone: 03330 051066

Website: insurancewith.com

Insure for Travel Health

Website: insurefortravel.co.uk

Telephone: 01903 209903

JD Travel Insurance

Description: Independent insurance broker who can source cover for all types of medical conditions, including travelers with a terminal prognosis of more than 6 months

Website: jdtravelinsurance.co.uk

Telephone: 0344 247 4749

E-mail: [email protected]

Just Travel Cover

Website: justtravelcover.com

Telephone: 0800 294 2969

Post Office

Website: postoffice.co.uk/travel-insurance

Telephone: 0330 123 3690

The Insurance Surgery

Description: Broker - Specialist service for people in high-risk categories, also may offer Life Insurance for Transplant patients

Website: the-insurance-surgery.co.uk

Telephone: 0800 083 2829

E-mail: [email protected]

Travel Insurance 4 Medical

Website: travelinsurance4medical.co.uk

Telephone: 0345 90 80 121

E-mail: [email protected]

Travel Insured (Manor Insurance Services)

Website: travelinsured.co.uk

Telephone: 01424 421066

E-mail: Contact form on the website

World First Travel Insurance

Website: world-first.co.uk

Telephone: 0345 90 80 161

E-mail: [email protected]


Comparison Services:

Compare the Market

Get a travel insurance quote for a pre-existing condition

Website: Compare the Market

Medical Travel Compared

The easy way to compare medical travel insurance

Website: medicaltravelcompared.co.uk


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 Global Health Insurance Card (GHIC) Information about GHIC Click here

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 go to top of page

For further information needed about Travel Insurance visit : https://visaguide.world/travel-insurance/ This page summarises What International Travel Insurance is, what does and does not cover, how to choose the best travel insurance plans, and all the necessary data.

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

More holiday information

  • Holiday guide for kidney patients
  • Holiday dialysis UK
  • Holiday Companies
  • Holiday tips and guidelines
  • Holiday guidelines for PD patients
  • Holiday guidelines for HD patients
  • Holiday guidelines for transplant patients
  • Holiday / Travel vaccinations in transplant patients

 

Published: 30th April, 2019

Updated: 19th May, 2026

Author: Stephen Emmerson

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