Travel Insurance Cover for Medical Conditions
At Lighthouse Travel Insurance, we believe everyone deserves the chance to relax, recharge, and explore the world — whatever their health situation.
If you are living with a medical condition, it’s especially important to have the right protection in place. Our smart compared brands† offer medical travel insurance that can consider cover for all medical conditions, even those that are complex or life limiting, giving you the confidence to travel with peace of mind.
Declaring Your Medical Conditions
We understand that declaring a medical condition might feel a little daunting. However, it’s very important to tell us about any medical conditions you have, or medication you take, for when you take out your policy.
Why it matters:
- If you don’t declare a medical condition, you could risk your insurance not covering any claims related to that condition or the treatment of it — before or during your trip.
- Declaring your medical condition is quick, confidential, and helps make sure you have the protection you need.
How to declare a medical condition:
Simply complete our online medical screening questionnaire or if you prefer, speak to one of our friendly advisors, who can go through the medical screening questions with you.
With Lighthouse by your side, you can focus on what matters most — enjoying your time away, knowing you are in safe hands.
For further advice on declaring your medical condition to your travel insurer, please click here.
Why it’s Important to Declare Your Medical History
Medical bills abroad can quickly add up — and without the right travel insurance, you could be left paying the full cost yourself.
Whether it’s treatment overseas or an emergency flight home, unexpected medical expenses can be incredibly costly. Which is why having travel insurance that truly fits your needs is so important — particularly if you have a medical condition.
At Lighthouse, we are here to help you travel with confidence. In order to make sure we offer you a policy that provides the right cover, it’s essential to tell us about any medical conditions you have or take medication for, during the quote process. This allows us to:
- Tailor your cover based on your personal health situation.
- Clearly explain what is and isn’t included.
- Make sure you know exactly what you are covered for before you set off on your travels.
Important: If you don’t declare your medical conditions, you may not be covered if you need to make a claim that is related to your medical condition or the treatment of it.
What Cover Do Our Policies Offer?
No two holidays are the same, and neither are our customers. Whether it’s a cruise, a family getaway, or a once-in-a-lifetime trip, we will help you build the right cover for the journey you are planning — including options if you are travelling with a medical condition, even complex or life limiting medical conditions.
Our Single Trip and Annual Multi Trip policies offer flexible cover options for travellers with medical conditions.
Key benefits include:
- Cancellation Cover: Up to £10,000 per insured traveller (depending on the cover level chosen) if your trip is cancelled or cut short due to specific unforeseen events. Cover starts from the date you buy your Single Trip policy or the start date of your Annual Multi Trip policy.
- Trip Length Flexibility: Cover from 1day to 18 months, is available. Limits may vary depending on your age, destination or medical condition— full details confirmed when you get a quote.
- Emergency Medical Cover: Up to £10 million for emergency medical care while abroad, if medically necessary.
- All medical conditions considered: We consider cover for over 11,000 medical conditions, including cancers, respiratory and heart conditions
- Cover That Fits Your Budget: Our quote system will only present you with quotes that meet your needs, so you can choose a policy which best suits you
- Activities Included as Standard: We cover over 100 leisure sports and activities
- Holiday Protection: Includes cover for lost, stolen or delayed baggage, cancellation, and lost money—for added peace of mind while you’re away.
- Air Doctor Connect: Free access to Air Doctor Connect, is available, connecting you to over 20,000 doctors in 78 countries. plus, if you use Air Doctor for outpatient treatment, we’ll waive your excess and any prescriptions you pay for you can claim back when home!
Full terms, conditions and exclusions apply. Please review your policy documents carefully to ensure the cover meets your needs and circumstances. The policy wording is available to you at quote and purchase stage.
Travel Suggestions for Accessible Destinations
Barcelona is one of Europe’s most accessible cities, with smooth pavements, wheelchair-friendly public transport, and many attractions offering accessible entrances. Key spots like La Sagrada Familia, Parc Guell, and Barceloneta Beach all cater to those with mobility challenges, making it a fantastic destination for a cultural yet relaxing getaway.
Barcelona’s culture is rich in art and history, with the works of Gaudí dominating the skyline. You can explore Las Ramblas, a vibrant pedestrian street full of shops and cafés, and indulge in local delicacies like paella, tapas, and churros. Don’t miss the bustling La Boqueria Market for fresh produce and local foods, and enjoy a leisurely afternoon at one of the city’s many outdoor cafés.
Berlin offers excellent accessibility with wheelchair-friendly public transport and many key attractions like Brandenburg Gate, Museum Island, and Tiergarten. The city’s modern infrastructure and rich cultural history make it an ideal destination for visitors looking for an accessible and immersive travel experience.
The city’s culture is shaped by its fascinating history, with museums and landmarks like the Berlin Wall Memorial and Pergamon Museum. Food lovers can enjoy currywurst, pretzels, and sauerkraut at local markets or traditional beer gardens. Mitte district offers trendy cafés, while the East Side Gallery is an open-air gallery along the Berlin Wall, combining art and history in one stroll.
Amsterdam’s flat terrain, smooth pavements, and accessible public transport make it easy to explore. Attractions like the Rijksmuseum, Van Gogh Museum, and canal cruises cater to those with mobility needs, providing a seamless way to enjoy the city’s beauty, art, and history.
Amsterdam is a city of charm and culture, with its iconic canals, historic houses, and art scene. The Anne Frank House is a poignant visit, while the city’s vibrant food scene offers herring, cheese, and Dutch pancakes. Enjoy a relaxing canal cruise or explore the diverse neighbourhoods, each offering its own mix of quirky boutiques, cafés, and museums.