Travel Insurance

Travel insurance covering pre-existing medical conditions, arranged through Just Travel Cover. Compare Bronze, Silver and Gold cover from multiple insurers.
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Rated Excellent
TrustScore4.822,607 reviews on Trustpilot

Complete Protection

Holidays matter, and so does knowing you're covered if something goes wrong. That's harder if you have a pre-existing medical condition to declare.

We work with Just Travel Cover, who compare travel insurance from a panel of insurers, including options for people with pre-existing medical conditions. Whether it's a week in the sun or a round the world cruise, Just Travel will help you find cover that fits.

Terms, conditions and exclusions apply. All quotes are subject to underwriting terms and acceptance criteria.

Medical Expenses

Don't worry about covering the cost of emergency treatment whilst you're away.

Pre-Existing Conditions

Declare your medical history and get a price that takes it into account.

Holiday Cancellation

Cover for prepaid travel and accommodation you can't get back if you have to cancel for an insured reason.

Baggage and Belongings

Cover for your luggage, personal money and travel documents.

Getting You Home

Emergency transport and repatriation if you're taken ill or injured abroad.

Choice of Cover

Bronze, Silver and Gold options, on single trip or annual multi-trip policies.

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Need to manage your policy, add a new one or make changes?

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Have a question?

Speak to one of our UK-based customer service advisers.

Compare travel insurance built around your needs

It's important to know you're covered if something goes wrong whilst on holiday and that's harder if you have a pre-existing medical condition to declare.

Just Travel Cover compares cover from a panel of insurers, all of whom consider pre-existing medical conditions. Whether it's a week in the sun or a round the world cruise, Just Travel Cover can help you find cover that fits.

Single Trip

Cover for one holiday, from the day you book to the day you get home. Don't leave it until the last minute. It's worthwhile sorting your insurance when you book.

Annual Multi-Trip

If you're travelling more than once or twice a year, one annual policy usually works out cheaper than buying cover each time. Trip length limits apply, so check the policy suits your longest trip.

Cruise Cover

Cruise holidays bring their own risks, from missed ports to cabin confinement. Cruise cover is available as an add-on, with pre-existing medical conditions considered.

Pre-Existing Medical Conditions

You can compare cover from insurers with pre-existing conditions taken into account. Declaring a condition up front means you know where you stand before you travel.

Why Mark Bates Ltd?

Mark Bates Ltd is built on a commitment to exceptional customer service, a supportive people-first culture, and a drive to offer innovative, customer-focused insurance products that stand out from the rest.

Rated by our customers

More than 22,000 customers have reviewed us on Trustpilot, with an average score of 4.8 Stars, that's first class service!

A UK team, start to finish

Sales, customer service and claims all sit in our Grantham head office. When you call, you speak to someone who knows your policy.

Cover built for how you live

Our policies are designed around the equipment, homes and working arrangements our customers have, not adapted from general cover.

Mark Bates Ltd has partnered with Just Travel Cover to help customers find travel insurance, including cover for many pre-existing medical conditions.

Just Travel Cover is listed on the MoneyHelper Travel Insurance Directory and the BIBA Travel Medical Directory. Both directories list FCA-regulated providers with experience in arranging cover for people with medical conditions.

If you have a serious or complex medical condition, have been declined cover, been offered cover that excludes your condition, or found the price particularly high, you may want to look at other providers on those directories. They're free to use, though being listed doesn't guarantee a provider can offer you cover.

MoneyHelper Travel Insurance Directory: https://www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory?source=mas

BIBA Travel Medical Directory: https://www.biba.org.uk/find-insurance/travel-medical-conditions/ or call 0370 950 1790

What our customers say

Independent reviews collected by Trustpilot.

Very helpful,polite people, and no problems at all been with these for a year now great service would definitely recommend

MMr Nathan Wilshaw
Oct 8, 2026

A helpful solution was found to keep my disability scooter insured until sold. Your Agent was most helpful, friendly and patient throughout. Excellent service.

MMrs Lewis
Oct 8, 2026

Very good customer service. Very polite and efficient.

DDonald Wright
Oct 8, 2026

It was explained very well

MMrs Sue Lovett
Oct 8, 2026

Mark Bates rang n explained everything to me,I asked a few questions all were answered immediately, Very happy with them nothing is to much trouble. Thank u

LLorraine
Oct 8, 2026

I have always felt safe when out on my scooter knowing you were there to help thank you so much

MMR A & MRS H FISHER
Oct 8, 2026

Quick connection and good outcome to transaction.

TTerry Phillips
Oct 8, 2026

Your service is very good and the price is very affordable.

eesperanza maldonado
Oct 8, 2026

The policy seemed to include all our requirements At a reasonable cost

JJohn
Oct 8, 2026

Brilliant swift service

MMo
Oct 8, 2026

Immediate response to requests for information and action.

JJohn Colin Grantham
Oct 8, 2026

Very helpful

SStephen
Oct 8, 2026

It was quick and easy to do thank you

MMarie Stuart
Oct 8, 2026

Great service, quick to respond and reliable, great price that is affordable

CCaroline Eastland
Oct 8, 2026

I spoke to a very nice lady on your reception

AAnnSmith
Oct 8, 2026

A polite phone manner and good listener while listening to my queries, you were very helpful and reasured me on my decision to insure my items. Thank you.

LLaurence
Oct 7, 2026

Very quick and easy online cover.

EElizabeth Hanson
Oct 7, 2026

Very friendly and Lee the delivery driver was really helpful and ran through everything with me again

MMel Murphy
Oct 7, 2026

Policy easily understandable and well constructed. Covered my needs and affordable. Staff knowledgeable and clear in explaining the policy cover.

JJoy Davies
Oct 7, 2026

Very helpful in every respect

hhugh gemmell
Oct 7, 2026