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Pre-Existing Medical Cover

Specialist insurance for those travelling with medical conditions

Pre-Existing Medical Conditions Insurance: Our Product Range

ERGO Medi-Care Travel Insurance gives you the freedom to experience the world with travel insurance policies of varying cover levels for people seeking travel insurance with medical conditions.

Everyone loves going on holiday, whether it’s two weeks relaxing on the beach, or a planned tour of a particular city or region you’ve always longed to visit, holidays are the things we look forward to, and that make the memories we cherish for long after we’ve returned home.

ERGO Medi-Care gives you the freedom to travel, with the reassurance of first class service and reliable support.

Tailored travel insurance for people living with pre-existing medical conditions

Whilst it may be easy for everyone to imagine where they’d love to travel to on their dream holiday, we understand that for people with a pre-existing medical condition or who have a disability it can be difficult to find a policy to cover that dream trip.

Our pre-existing medical insurance product, Medi-Care, provides travel insurance for those who find it difficult to get cover elsewhere, offering a simple and secure medical condition screening process that can be completed online or over the phone with a member of our team.

This allows you to build a travel insurance policy tailored to your medical conditions and the duration and location of your holiday.

Medi-Care – choice and protection

You will find the process quick, safe and secure with our online quotation and medical screening system which screens for all your medical conditions.

We offer both Single & Annual Multi Trip policies for European and Worldwide destinations (including USA) and a choice of 3 cover levels: Element, Protect & Optimum.

All ERGO Travel Insurance products offer free 24/7 Emergency Medical Assistance as standard

Medical assistance 24/7

All ERGO Travel Insurance products offer free 24/7 assistance as standard. This is supported by our Euro-Center teams, an English speaking worldwide network of offices with medical experts, ready to assist you.

In many cases, should you need medical treatment, we can arrange for cash-free local billing so you don’t need to worry about having to pay large bills upfront and claim the money back later – we’ll take care of that for you.

Our trusted Emergency Medical Assistance providers undergo rigorous testing and acceptance criteria to ensure our levels of service are not only met but exceeded.

Our personnel are all experts in their field and are there to provide you with peace of mind should the unfortunate occur.

Element Protect Optimum

Medical Expenses

Including hospitalisation, surgical, pharmaceutical, repatriation, and dental

Up to £7.5 million

Up to £10 million

Up to £15 million


Reimbursement for irrecoverable losses due to cancellation of travel and or accommodation expenses

Up to £1,500

Up to £3,000

Up to £5,000

Personal Possessions

Reimbursement for loss or damages caused by third parties

Up to £750

Up to £1,500

Up to £2,500

Personal Accident

Reimbursement for personal accident or damages caused during your trip

Up to £10,000

Up to £20,000

Up to £30,000

Medical Expense cover up to £15 million with our Optimum policies.


Money and Pension Service (MaPS)

Money and Pensions Service (MaPS) has developed a directory of specialist travel insurance providers to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we have been unable to provide a quote or if you would like to check the quote provided by us is the best for you, you may contact them for details of these providers to obtain a comparison at the Money Advice Service or by contacting the Money Advisory Service on 0800 138 7777.

Want to talk to someone?

If you’d rather talk to someone over the phone, please call our call centre on 01403 788 513.