Travel insurance with osteoporosis
Having an osteoporosis diagnosis could affect your travel insurance premiums and the options available to you.
Your insurance company takes your risk of breaking a bone into account when assessing your risk of making a claim. You may find they increase your premiums to account for this, or occasionally may refuse to cover you.
If you have osteoporosis - even if you're not currently being treated - it's important to be honest with your insurer. They can tell you whether your situation affects your cover or not.
You should still be able to get cover, but only if you declare your condition. If you are unfortunate enough to break a bone while you're on holiday and you haven't told your insurer that you have osteoporosis, they may refuse to cover your injury.
You can find more information and frequently asked questions about travelling with osteoporosis in the travel insurance factsheet.
Travel insurance providers who offer cover for pre-existing medical conditions
Automobile Association Travel Insurance
0800 912 5002
Cover is available to customers permanently living in the UK on a single, couple or family basis for a single trip and annual multi trip policies, up to the age of 79.
0800 389 4852
Age UK Travel Insurance has no upper age limit and you can cover your pre-existing medical conditions wherever possible. Age UK Travel Insurance is provided by Ageas Insurance Limited.
0800 043 0814
Specialist provider of travel insurance for the over 50s, as well as travel insurance for those with preexisting medical conditions.
British Insurance Brokers Association
0870 950 1790
BIBA can put you in contact with an Insurance broker, whose prime purpose is to help customers find suitable cost effective travel insurance. In the case of people contacting BIBA with pre-existing medical conditions they often give out details for All clear options (www.allcleartravel.co.uk) who provide a comparison website where you can get quotes from various companies including AllClear, Freedom, Free Spirit, Avanti, Staysure and Goodtogo, all with one screening process.
EHIC plus (with Mapfre Assistance)
08450 555 222
EHICPlus offers low cost annual travel insurance and single trip travel insurance to Europe. They offer all the benefits of a travel policy and to top up the current EHIC card. Offer cover for most pre-existing medical conditions at a sensible price.
0800 093 9495
Offer Single Trip & Annual Multi-trip policies up to age 85 and can provide optional cover for over 2,000 medical conditions.
0330 102 6393
Offer Single Trip & Annual Multi-trip policies up to age 85 and can provide optional cover for most medical conditions.
Good to Go
0330 024 9297
Can offer travel insurance cover for pre-existing medical conditions of all types and have no upper age limit on policies.
0845 658 0570
Offer Single Trip and Cruise policies that have no upper age limit, and Multi Trip policies cover people up to the age of 79.
Insure and go
0330 400 1383
Have no upper age limit for policies and can consider any medical conditions you might have.
0800 953 2552
Annual Multi-Trip Travel Insurance is only available to people under 74 years old. There’s no upper age limit on Single Trip Travel Insurance. Depending on the level of cover taken they can include a wide variety of preexisting medical conditions as long as you declare them.
Just Travel Cover
0800 988 2832
Provides a quick and easy way to compare travel insurance cover for pre-existing medical conditions and travel insurance for travellers who are over 65.
Lets Go insure.co.uk
Offer a variety of travel insurance policies.
Marks and Spencer
No age limit on a single trip policy (except 80 if travelling to the USA, Canada or Caribbean). Annual Multi-Trip Travel Insurance is only available to people under 80 years old (70 if travelling to the USA, Canada or Caribbean).
0800 999 3333
Have designed a specialist policy called Clear2Go which has no age limit and can cover pre-existing medical conditions. They can provide medical cover only but only by telephoning them. Can only give cover from 60 days before travel and your doctor needs to have deemed you fit for travel.
Nationwide Flex Plus travel insurance
0800 051 0164
FlexPlus or FlexAccount customers may be able to benefit from this insurance cover.
0345 045 1320
Specialist in providing cover for the over 50s. Can cover pre-existing medical conditions if these have been declared and any additional premium paid.
0800 015 0757
Cover for over 50s with no upper age limit. Will cover most pre-existing medical conditions.
0800 519 9921
Available to all but Santander customers get 20% discount.
Ski Club travel insurance
0300 303 2610
Travel insurance with automatic cover for winter sports.
0800 033 4902
Cover including pre-existing medical conditions up to the age of 85.