Travel insurance for mental health.

Go on holiday feeling protected with travel insurance for mental health

If you live with a mental health condition, it’s important that you tell us about it, along with any other pre-existing medical conditions, when you buy your medical travel insurance.

Why letting us know about your health is important

When Richard⁽¹⁾ had to cancel his special cruise, his mind was put at ease knowing that the travel insurance he’d bought from us meant he was covered for the full cost of the trip.

It’s essential to keep your travel insurance policy personalised to your medical conditions which includes telling us about any changes to your health. As Richard knows, doing things the right way means you can enjoy your trip feeling properly protected.

Do I need to have had both my Covid jabs to be covered?

As long as you’ve had the vaccines you’ve been offered for Covid-19, you should be covered. If you haven’t been offered both doses yet or you’re medically exempt then you can also be covered.

If you’ve refused any doses of the vaccine or haven’t been able to have a dose you’ve been offered, you won’t be covered.

What sort of questions can I expect to be asked about my mental health condition?

The first thing you’ll need to do is let us know what mental health condition you have. We understand that talking about your mental health can be difficult. We’ll talk you through the medical screening questions step-by-step and we’ll never rush you.

We can cover a number of mental health conditions with our health conditions travel insurance, including:

• Anxiety
• Bipolar disorder
• Body dysmorphia
• Borderline personality disorder
• Depression
• Eating disorder
• Mania and hypomania
• Obsessive compulsive disorder (OCD)
• Panic attacks
• Personality disorder
• Post-traumatic stress disorder
• Psychosis
• Schizophrenia
• Stress

So that the quote we give you matches your personal needs, we’ll ask a few simple questions about your mental health and any other medical conditions you may have. Depending on the nature of your condition, they may include:

• Have you ever had a compulsory admission to hospital for this condition?
• How many hospital admissions have you had for this condition in the last two years?
• Have you currently been advised to take any medication for this condition?
• Has this condition ever caused you to cancel or cut short a planned trip?

I’m travelling with family members, but they don’t share my medical condition. Can we be insured on the same policy?

Yes you can, and there is a major benefit to sharing a policy. Choosing a group policy means you are all covered if one of you is forced to cancel your trip due to having a medical emergency. That won’t be the case if you’ve bought your policies separately.

Is my mental health covered by my Global Health Insurance Card (GHIC)?

If you’re planning a holiday to Europe, you’ll need to take a free GHIC (or an EHIC) as a condition of our travel insurance.

When the United Kingdom left the European Union, the GHIC replaced the EHIC as the means for accessing free or subsidised healthcare in selected European countries. Before you travel, make sure you check that your destination is covered by GHIC, just so you’re ready if you do need any emergency or necessary treatment for your mental health during your trip.

Remember, your GHIC is not the same as having good health conditions travel insurance. For example, it won’t cover you if you need to cancel your holiday.

Your GHIC helps reduce your medical costs where subsidised healthcare is available. If you can use your GHIC and have to pay a subsidised fee for your treatment, we’ll remove the excess fee on medical emergency claims for you.