Travelling with someone who has a medical condition? You can still be covered on the same policy

When you're planning a holiday with your partner, family or friends, there's plenty to think about - from booking flights and accommodation to organising passports and packing.

Travel insurance is another important part of your plans, but many people don't realise that if someone in their travelling party has a pre-existing medical condition, they don't necessarily need to take out a separate policy.

Travellers with and without pre-existing medical conditions can be covered on the same travel insurance policy, making it easier to arrange cover for everyone travelling together.  

Always answer medical screening questions honestly and read the policy wording carefully so you understand what's covered, along with any exclusions, limits and conditions that may apply. 

Why cover everyone on the same policy?  ¶

If you're travelling together, having everyone covered under the same travel insurance policy can offer practical benefits before and during your trip. 

Cancellation cover for the whole travelling party ¶

Imagine you've booked a family holiday or a long-awaited trip with friends, but one member of your party becomes too ill to travel before departure.

If you're all insured on the same policy and the reason for cancellation is covered under the policy terms and conditions, the remaining travellers may also be able to claim if they decide to cancel because they no longer wish to travel without that person.

For many people, this is one of the biggest advantages of travelling on the same policy. 

One policy, one set of documents ¶

Rather than keeping track of several different policies, you'll have one set of documentation, one emergency assistance contact number and one place to check your cover before you travel.

Simpler claims ¶

If an unexpected event affects more than one traveller during your holiday, having everyone covered under the same policy can make the claims process more straightforward.

Who can benefit? ¶

Couples, families, friends and groups can all be on the same policy.

Whether you're planning a cruise, a city break, a walking holiday or a special celebration abroad, travelling as a group doesn't have to mean buying multiple insurance policies. One policy can help keep everyone covered for the same trip.

Before you travel, compare your options, make sure everyone's medical conditions are declared, and choose a policy that meets the needs of everyone travelling.