Needing medical treatment whilst abroad may be more likely and more costly for those with pre-existing medical conditions. This is something insurers will take into account, alongside other factors, when deciding to offer cover and at what price.

However, as part of the industry's signposting agreement, if an insurer is unable to offer you cover, they will refer you to one of two directories of specialist providers who can help.  

Additionally, there are some steps you can take to access travel insurance when you have significant pre-existing medical conditions.