When it comes to travel insurance, identifying an affordable policy that meets all your needs can be a little tricky, especially when you have pre-existing medical conditions. Indeed, some insurance providers don’t provide any coverage for this type of traveller.
This brings us to the topic of today’s post: Medical Travel Compared is a free, UK-based platform that is dedicated to helping people of all ages and abilities find the right travel insurance.
After all, everyone should be able to get out there, travel the world, and experience new things, without having to pay absurd amounts to cover their medical conditions.
In this insurance review, we’ll cover the basics of the website, the key benefits to look out for in a policy, and ultimately, how to use the platform to get the right policy to protect yourself while abroad. Let’s get into it!
My opinion on Medical Travel Compared
If you suffer from one or more pre-existing conditions, or if your age has caused you to be shunned by the traditional insurance providers, Medical Travel Compared may just be what you’re looking for.
I’ve been reviewing travel insurance providers for years now, and frankly, I find it quite upsetting to see how difficult it can be for some people with extra needs to find adequate insurance for their dream holidays. That’s why the platform is so great.
What sets them apart is how quick and easy it is for people to fill in a form, and then be presented with a clear medical travel insurance comparison, saving you time by not having to search for quotes individually.
When it comes to pre-existing conditions and the elderly, many insurers will find any way to increase the price of a quote, or not provide one at all. Medical Travel Compared allows you to filter your search to get the absolute best coverage, whatever your needs are.
Medical Travel Compared reviews
The platform boasts an impressive number of online reviews on TrustPilot, over 20,000, in fact. What’s more, the overwhelming majority of these reviews show clear satisfaction with their services.
To make things a little easier for you, I’ve collated these reviews to give you an idea of what people found helpful, and unhelpful with the service. By giving you the full picture, you’ll be able to make an informed decision on where to look for your medical travel insurance.
Here are some average review scores on Medical Travel Compared in October 2024:
- 4.8/5 “TrustScore” on TrustPilot.
- 4.3/5 on Facebook.
Note that the “TrustScore” is not simply an average, but also considers a range of other factors, such as the age and frequency of reviews, giving you a more authentic idea of the experiences people have had.
Medical Travel Compared reviews on TrustPilot
TrustPilot is perhaps the leading online review platform in the world, giving customers the opportunity to leave reviews on businesses.
There are currently 21,256 total reviews at the time of writing this post. With a TrustScore of 4.8, it’s fair to say that it is a reputable company. Here’s a summary of those reviews:
✅ Positive reviews on TrustPilot
- Easy to navigate website, where you can see the range of quotes within minutes.
- Policy comparisons displayed clearly with all the relevant information.
- Great for senior citizens with medical conditions.
- Wide range of quality quotes from different insurers.
- Many affordable options displayed, which is difficult to find with policies catering to medical conditions.
❌ Negative reviews on TrustPilot
- Medical health form displays boxes to tick, but no possibility to provide further details about one’s medical conditions.
- Technical issues on the homepage caused irritation for some users.
Medical Travel Compared reviews on Facebook
There are considerably fewer reviews to choose from on Facebook than on TrustPilot, but it’s always a good idea to look for online reviews on different platforms!
✅ Positive reviews on Facebook
- Caring and professional customer service.
- Showed policies with good value for money.
- Genuine and fair claims’ payout.
- Easy to use website.
❌ Negative reviews on Facebook
- Technical problems with the website made the application process difficult.
- Some users were upset that their search only produced expensive results.
From reading through these reviews, one can conclude that most users found contracting a policy via the platform to be fast and convenient.
In fact, I would like to mention that for the number of reviews of the website that exist on TrustPilot, a very small portion of them are negative. I must say, this is not particularly common within the world of travel insurance!
Many users talked about how straightforward the claim’s process was, and how they received reimbursements within a few weeks. This suggests that the company do their due diligence in selecting insurance providers to feature on their website.
Which Medical Travel Compared policy is right for me?
Using this medical travel insurance comparison platform is a great way to seek out the most comprehensive policy that is suited to your needs.
Each category of policy is designed to cover a different type of trip, so once you know which traveller profile you fit into, you’ll be ready to start your search!
Here are the trip categories you can search for on the platform:
Policy | Official Link |
Single Trip policies: ideal for short trips and holidays of up to 3 months. | |
Annual Multi-trip policies: covers all short-term trips taken in a year. Perfect for frequent travellers! | |
Long Stay policies: covers longer trips, including backpacking trips of over 3 months. | |
Cruise policies: travel insurance with coverage designed for cruise travel. |
Medical Travel Insurance coverage
In this section, I’ll be summarising the benefits of a few of the companies and policies that Medical Travel Compared directs you to based upon your medical conditions and search parameters.
Before you settle on a policy, it’s a good idea to compare the available options, so you can be sure that you’ve selected the most suitable insurance policy for your trip.
This will ensure that you get the right amount of coverage, without paying for guarantees that you don’t need.
Note that the levels of coverage displayed here are just to give you an idea, and the coverage you receive will depend on your personal circumstances and conditions.
Post Office Insurance
We’ve actually made a Post Office Insurance review, which you can read here. If you just want to learn about their main features, I’ve summarised them here:
- No age limit (Single Trip), and under 18s are covered free of charge under Single Trip and Annual plans.
- Up to £5,000,0000 in medical expenses and assistance.
- High number of medical conditions covered. Post Office claim to cover most pre-existing conditions.
Goodtogo Insurance
- Offers up to £10,000,000 in medical emergency expenses for all policies (GTG Gold, GTG Platinum).
- Hospital benefit of up to £1,000 a day for all policies.
- No upper age limit.
As you can see, the platform provides you with a broad range of options suited to your specific conditions, and age, all for your added convenience.
Oasis Insurance
If you want to read our Oasis Insurance review article, click here. To save you some time, I’ve outlined their most useful features for travellers with pre-existing medical conditions:
- 24/7 emergency assistance service phone line.
- Up to £10,000,000 in medical expenses and assistance.
- Enhanced Covid-19 cover.
- Broad add-ons, including golf cover, winter sports cover, gadgets cover, and cruise cover.
How Medical Travel Compared works
Medical Travel Compared is not itself a medical travel insurance provider.
Instead, it is a medical travel insurance comparison site, that compiles the best and most affordable insurance policies based on your age and medical conditions, saving you both time and money.
Once you’ve entered your search parameters, you’ll be able to choose from a range of filtered policies suited to your needs. From there, you’ll be redirected to the insurer of your choice and you can start the application process.
If you’re still unsure about whether to take out insurance, remember that things can take a turn for the worst at any moment while abroad, setting you back thousands of pounds. With the right insurance policy, you’ll be covered for any unforeseen incidents or accidents.
Making a claim
Of course, no one ever wants to have to use their policy to make a claim, but it’s always better to familiarise yourself with your policy, so you know what to do.
If you need emergency medical treatment, transportation of pharmaceutical products, or if you need to be flown back to the UK while abroad, your insurance company can reimburse you for the costs.
Remember to always read your policy’s terms and conditions carefully, declare all your underlying medical conditions in the most detail possible, and keep all supporting documents relating to your incident. If you don’t, you will not be able to recover the costs.
What are the benefits of Medical Travel Compared?
The best feature of their services is the ease and speed at which you can find different policies with flexibility, little to no age restrictions, affordable prices, and most importantly, extensive medical coverage covering your pre-existing conditions.
Many travel insurance providers simply don’t provide enough coverage for people with pre-existing conditions or the elderly, whereas Medical Travel Compared presents you with policies that cover over 2000 different conditions, including the following:
- Allergies
- Anxiety
- Asthma
- Back problems
- Cancer
- Crohn’s disease
- Diabetes
- Epilepsy
- Heart conditions
- High blood pressure
- Lupus
- Skin cancer
- Stroke
If you’re a traveller with specific medical requirements, Medical Travel Compared is perhaps the UK’s best platform for finding travel insurance for your next holiday abroad.
You can learn more about the medical conditions covered on the official homepage.
Advantages of Medical Travel Compared
- 💻 Ease of navigating the website. The platform is incredibly easy to use, as shown by the online reviews. Also, it’s a mobile-friendly website.
- 💸 Save time and money by having the best options presented to you within minutes.
- 🩸 Over 2000 different medical conditions. This is far more than any comparable websites claim to cover.
- 🎂 Great alternatives for people of all ages, especially senior citizens. Not just a broad range of plans, but quality coverage, too.
- 🌎 Destination-based guides: the website provides detailed information about medical travel insurance for a number of destinations, including Spain, France, Europe, and the USA.
How to use Medical Travel Compared
As I mentioned earlier, the website is incredibly easy to use. Simply click on the type of policy you want, enter your personal and trip details, and within moments you’ll have a multitude of policies to choose from.
To give you an extra hand, I’ve created a quick step-by-step guide on how it’s done:
1️⃣ Go to the Medical Travel Compared website and select the type of insurance you want: (Single Trip, Annual Multi-trip, Long Stay, or Cruise).
2️⃣ Fill in your trip details: destinations, travel dates, traveller details.
3️⃣ Fill in info about your medical condition(s) and answer the quick questions that follow.
4️⃣ Select your cover limits: filter your search results to get the exact coverage you need for your trip.
All done! You will be shown all the policies that matched your search.
How to reduce the cost of your trip
Unfortunately, it is true that travel insurance covering medical conditions, or senior citizens, is generally going to be more costly than what it may cost for people without these difficulties.
However, this doesn’t mean your trip needs to be absurdly expensive!
There are countless ways to make your travels cheaper. Choosing insurance that is tailored to your needs is vital, but remember that there are other areas where you can save money, including:
- ✈️ Flights
- 🏨 Accommodation
Here are a few little tricks I’ve learned over the years, they’ve helped me save money on my travels, and allowed me to focus on enjoying the things I love about travelling.
- Find cheaper flights
You can reduce the cost of any flight thanks to AtlasVPN, which conveniently presents you with the best prices on comparison sites like Skyscanner. Simply relocate your IP address to on the of the following countries, and start your search!
- Turkey
- Malaysia
- Thailand
- India
- Mexico
This tool is usually expensive, but we have an incredible discount for you that you can activate here.
- Find discounted accommodation
Finding cheap accommodation these days can be a challenge, but with Booking, you can find some great deals.
Booking is the best platform for finding accommodation anywhere in the world. Its main advantage? The many discounts you can get for becoming a Genius member! Register with Booking now to save on accommodation.
My opinion on other insurance companies
We’re tried and tested all the best travel insurance providers on the market, so if you’re still curious about what else is out there, we’re here to help!
You can also check out our other travel insurance comparison website reviews:
| 
| 
|
|---|---|---|
⭐️⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️ |
Heymondo Insurance | Chapka Insurance | IATI Insurance |
| 
| 
|
|---|---|---|
⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️ |
SafetyWing | World Nomads | ACS AMI |
Frequently asked questions
How do I declare my medical conditions?
This process is straightforward, here’s how it works. In order to get a clear understanding of your medical history, Medical Travel Compared will ask you some simple questions about your condition, which you will be asked to declare upon selecting “Get a Quote.”
The questions will depend on the conditions you have declared, but typically include asking about how many hospital visits you’ve had in the last 12 months, whether or not you are a smoker, if you take medication, or need treatment.
Are there any age restrictions?
No. If you are a senior citizen, Medical Travel Compared offers exceptional services.
They are determined to find effective policies for people of all ages and all conditions, and even have an “Over 90s Insurance” page on their website, while also including information for older travellers from other age brackets.
Note that the older you are, the harder it is to contract good annual multi-trip plans, but there will certainly be a single trip policy that fits your requirements.
How do they make money?
The platform is not owned or controlled by any insurance companies, instead, they are paid a commission of the cost of the policy you buy through their website.
I found this to be an important piece of information that speaks to the reputability of the company. More specifically, they aren’t paid to promote insurers, and they don’t have favourites.
Which countries’ residents can use it?
Only UK insurance companies are shown on the website, many of which require applicants to be a United Kingdom resident.
Why use Medical Travel Compared?
The cost of receiving medical attention abroad can easily get into the hundreds of thousands of pounds, and if you suffer from a pre-existing medical condition, then this risk is increased.
We at Planet Nomad, as well as the people at Medical Travel Compared, do not think this should stop you from travelling!
With Medical Travel Compared, you can quickly and easily identify the most comprehensive policies that can provide you with the most important benefit of all: a financial safeguard if something goes wrong while abroad.
Before you travel, always consult your health practitioner and the NHS website for information about your condition or Covid-19.
Is using Medical Travel Compared worth it?
If you’ve ever spent hours online trying to find a good travel insurance policy that covers your medical conditions, and isn’t obscenely expensive, you’re not alone.
If this sounds like you, I assure you that taking a look at Medical Travel Compared’s website will be an absolute game-changer. After all, you have nothing to lose, it’s a free service!
At the end of the day, your health and safety is the most important thing of all, and Medical Travel Compared understands this. Before entering their website, carefully consider what your needs are as a traveller, so they can provide you with the most support possible.
I hope that this post has given you some insight into how you can use the platform to find quality medical travel insurance. May you have a safe and enjoyable trip! ✈️
