Overview

• Admiral’s figures for May 2024 to March 2025 show high blood pressure, high cholesterol and anxiety or depression among the top three declared conditions.
• Travel insurance claims may be refused or paid on a proportional basis if pre-existing conditions are not fully disclosed, exposing travellers to large out-of-pocket expenses.
• Medical repatriation costs can exceed £100,000 and are not covered by GHIC or EHIC cards, highlighting the need for robust travel insurance.
• Premiums are affected by declared conditions as well as the number of travellers, trip duration and destination, meaning some policies can become significantly more expensive.
• Admiral underwrites over 3,100 medical conditions, directs customers to specialist policies via MoneyHelper when needed and does not require disclosure of menopause.