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Home » Insure my travels » Travel Insurance with Existing Medical Conditions

Travel Insurance quick quote

Travel Insurance quick quote

Single Trip: For those planning only one trip in a year.
Annual:For those planning more than one trip in a year.
Gap:For longer term breaks and gap years.

Annual policies could save you time and money compared to purchasing a Single Trip policy. See our FAQs for more details.

European Cover:
The following countries are included within the definition of Europe: Albania; Andorra; Austria; Azores; Balearics; Belarus;Belgium; Bulgaria; Canary Islands; Channel Islands; Corsica; Croatia; Cyprus; Czech Republic; Denmark; Egypt; Estonia; Finland; France; Germany; Gibraltar; Greece; Hungary; Iceland; Israel; Italy; Latvia; Liechtenstein; Lithuania; Luxembourg; Madeira; Malta; Moldova; Monaco; Morocco; Netherlands; Norway; Poland; Portugal; Republic of Ireland; Romania; Russia west of the Ural Mountains; San Marino; Sardinia; Sicily; Slovak Republic; Slovenia; Spain; Sweden; Switzerland; Tunisia; Turkey; Ukraine; and the United Kingdom area*.

Worldwide Cover:
All countries worldwide including the United Kingdom area*.

Worldwide Cover excluding North America and the Caribbean:All countries worldwide including the United Kingdom area* but excluding North America and the Caribbean.

North America.
The United States of America and Canada.

The Caribbean
Anguilla; Antigua and Barbuda; Aruba; Bahamas; Barbados; Bermuda; British Virgin Islands; Cayman Islands; Cuba; Dominica; Dominican Republic; Grenada; Guadeloupe; Haiti; Jamaica; Martinique; Montserrat; Navassa Island; Netherlands Antilles; Puerto Rico; Saint Barthelemy; Saint Kitts and Nevis; Saint Lucia; Saint Martin; Saint Vincent and the Grenadines, Trinidad and Tobago; Turks and Caicos Islands; the US Virgin Islands; and includes cruising in waters around these islands.

*Please refer to Important Notes about your Policy, for limitations which apply to trips solely within the United Kingdom area. This can be found under Policy Terms and Conditions.

Individual Adult

- a single traveller

Couple

- two adult travellers

Family

- a maximum of two adults
and their children

Please note a Family policy can only have a maximum of 2 adults.

Details

Travel Insurance with Existing Medical Conditions

American Express provides cover for many pre-existing medical conditions, subject to medical screening. Medical screening can be completed online as part of the quote process, or by calling us directly on
0800 028 7573 to speak to one of our insurance specialists.

What is a pre-existing medical condition?

A pre-existing medical condition is defined as:

  • Any past or current medical condition that has resulted in symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received during the two years prior to the commencement of cover under this policy.
  • Any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under this policy.
  • Any symptoms for which you are awaiting investigation/consultation, or are awaiting results of investigations where the underlying cause has not been established. 
 

Online Medical Screening

You will be prompted at step 4 of the quote process, (‘Declaration’ to answer a series of questions that will determine if a medical screening is necessary). If you answer yes to one or more of the questions, you will be taken through a simple medical screening process. We will then determine if we can provide cover. You may be subject to an additional premium to cover a pre-existing medical condition. If we are unable to provide cover for your medical condition, we will still cover you for events that are not related to your medical condition. If you have further questions, or wish to speak to an insurance specialist, please call us directly on 0800 028 7573. If you have already completed an online quote, please reference your quote number to help us find your details quicker. 

For further information on specific medical conditions, please see the pages below:

Asthma or COPD

At American Express we recognise that if you suffer from Asthma or COPD (Chronic Obstructive Pulmonary Disease) many of our customers still enjoy to travel overseas, and we are happy to consider those with a history of respiratory conditions for cover. Find out more

Autism / Aspergers

At American Express, we can provide you with a Travel Insurance quote online, and are happy to consider cover for all conditions, including any childhood developmental disorders. As part of the quote process, we will ask you a series of questions about your condition and then determine if we can provide cover, which may be subject to an additional premium. Find out more

Back Problems

If you are suffering, or have previously suffered from back problems, and are planning on travelling overseas, you can still obtain a quote from us for your trip. As part of the quote process, we will ask you a series of questions about your back problems and then determine if we can provide cover, which may be subject to an additional premium. Find out more

Breast Cancer

Many people who are suffering from, or have previously suffered from, Breast cancer have experienced difficulties in obtaining Travel Insurance. American Express recognise that many of our customers continue to enjoy travelling overseas and we are happy to consider cover for those with active, metastatic, or relapsed cancer (including people who are currently undergoing treatment such as chemotherapy or radiotherapy), as well as those in remission. Find out more

Cancellation due to illness

Do you need to cancel a trip due to a medical illness affecting you, a close relative, someone you are travelling or staying with on your trip? Find out more

Cancer

If you are suffering, or have previously suffered from cancer, you can still obtain a quote from us using our online application and medical screening pages. We assess each person on their individual circumstances, and will then determine if we can provide cover, which may be subject to an additional premium. Find out more

Diabetics

Some people who are suffering from Diabetes experience difficulties in obtaining Travel Insurance. American Express recognise that many of our customers continue to enjoy travelling overseas and we are happy to consider cover for diabetics. Find out more

Epilepsy

Many people who have Epilepsy (seizures) have experienced difficulties in obtaining Travel Insurance. American Express recognise that many of our customers continue to enjoy travelling overseas and we are happy to consider cover for those with either a history of, or have ongoing Epilepsy. Find out more

High Blood Pressure

If you are suffering from Hypertension, and are planning on travelling overseas, you can still obtain a quote from us for your trip. As part of the quote process, we will ask you a series of questions about your high blood pressure and then determine if we can provide cover, which may be subject to an additional premium. Find out more

History of heart attack/failure

If you have a history of heart conditions you can still obtain a quote from us using our online application and medical screening pages. We assess each person on their individual circumstances, and will then determine if we can provide cover, which may be subject to an additional premium. Find out more

Lung Cancer

If you are suffering from, or have previously suffered from Lung Cancer, and are planning on travelling overseas, you can still obtain a quote from us for your trip. As part of the quote process, we will ask you a series of questions about your condition and then determine if we can provide cover, which may be subject to an additional premium. Find out more

Over 60 with existing medical conditions

If you are over the age of 60, and have or are suffering with medical conditions, you may experience difficulties in obtaining Travel Insurance. At American Express we assess each person based on their individual circumstances. Find out more

Pace Maker

If you have suffered from, or are currently suffering from, irregular heartbeat, then you may have experienced difficulties in obtaining Travel Insurance. At American Express you can still obtain a quote for your trip. As part of the quote process, we will ask you a series of questions about your condition and then determine if we can provide cover, which may be subject to an additional premium. Find out more

Prostate Cancer

Many people who are suffering from, or have previously suffered from, cancer have experienced difficulties in obtaining Travel Insurance. American Express recognises that many of our customers continue to enjoy travelling overseas and we are happy to consider cover for those with active, metastatic, or relapsed cancer (including people who are currently undergoing treatment such as chemotherapy or radiotherapy), as well as those in remission. Find out more

Repatriation Cover

All American Express Travel Insurance policies come with Repatriation Cover included as part of their range of benefits. This benefit can cover you for reasonable and necessary costs to get you home in the event of a medical emergency. Find out more

Strokes / TIA

Many people who have had a Cerebrovascular Accident (CVA) have experienced difficulty obtaining Travel Insurance. At American Express, we can provide you with a Travel Insurance quote online, and are happy to consider cover for customers with a history of CVA’s. Find out more

Travelling Post Surgery

Some people who have undergone surgery believe that they will experience difficulties in obtaining travel insurance. At American Express, we can provide you with a Travel Insurance quote online, and are happy to consider cover for customers who have undergone surgery, provided that the treating doctor considers that they have recovered sufficiently and are fit to undertake a trip. Find out more

Travelling with a disability

At American Express, we can provide you with a Travel Insurance quote online, and are happy to consider cover for all conditions, including those which have led to any degree of disablement. As part of the quote process, we will ask you a series of questions and then determine if we can provide cover, which may be subject to an additional premium. Find out more

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