Pre-existing Medical Conditions

Important Information for Customers with Pre-existing Medical Conditions


We are obliged to inform you of how to improve your access to travel insurance policies that includes cover for more serious medical conditions.

The following factors would determine when this information is relevant to you:

  • You have not been offered, or we/the insurer, have declined a quotation wholly or partly due to a medical condition

  • Your policy has been cancelled, wholly or partly, due to a medical condition

  • You have been offered a policy with a medical condition exclusion, which cannot be removed from the policy

  • You have been offered a policy with a medical condition premium of £100 or more

  • You have been offered a policy in respect of which the medical condition premium is not known


We would like to provide you with details of a ‘Medical Cover Firm Directory’, which is a publicly available directory that only lists firms that provide, or arrange, travel insurance policies that cover more serious medical conditions.  The directory will also show you enough information about each firm listed so you can make an informed initial choice about which provider might meet your needs.

Some of the advantages of using the directory make it easier for you to navigate the available market and make it more likely in finding a firm who:

  • Is willing to offer cover for your condition

  • Is willing to offer cover for your condition without specific exclusions

  • Is willing to offer cover for your condition at a more affordable price

BIBA has launched a travel insurance directory on its website, which can be accessed here:


Consumer enquires about the directory can be made to BIBA Customer Contact Centre, which is available Monday to Friday, 9am to 5pm using the details below:

Telephone – 0370 950 1790

Email -

address - British Insurance Brokers’ Association, 8th Floor – John Stow House, 18 Bevis Marks, London EC3A 7JB

Single trip

SINGLE TRIP travel insurance

Get insured quickly and easily for a single trip up to 365 days, subject to age and acceptance. Travel with the assurance you are protected with our pre-existing medical conditions and cancellation cover for over 65’s with no age limit.

Annual Travel

ANNUAL travel insurance

Save money with our annual multi-trip insurance if you travel more than once a year. Travel as many times a year as you want with complete peace of mind, as we cover all pre-existing medical conditions


CRUISE travel insurance

Our specialist cruise holiday insurance policies include pre-existing medical conditions and cancellation cover, for over 65’s with no age limit. Relax completely when you cruise, knowing your emergency medical treatment is covered, should you need it.

Medical (pre existing)

PRE-EXISTING medical conditions - With specialist travel insurance for virtually all pre-existing medical conditions, including asthma, arthritis, diabetes, heart conditions, cancer, and even a terminal prognosis - at all ages - we will ensure you get the right insurance at the best price.

Castle Insurance Services is a trading name of Castle Insurance Services (North East) Limited - Registered Office - 15 Marshall Terrace, Gilesgate, Durham DH1 2HX  England


Castle Insurance Services (North East) Ltd is an independent intermediary dealing with selected insurers and is authorised and regulated by the Financial Conduct Authority - Registration Number 501457

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