When you’re on holiday, the last thing you want to think about is illness or injury.
Unfortunately, accidents can happen - which is why having the right travel insurance matters. Our policies work well for individuals, couples1, families2 and groups3.
Get the right cover for your next holiday. Special offers available for More Card members*.
Not yet a More Card member? Sign up here.
Explore the world4 – with the right protection by your side
Our standard travel insurance covers a range of pre-existing conditions but these need to be declared so your conditions are covered by your policy. With a good policy in place and some preparation before you leave, travelling with a medical condition shouldn’t be stressful.
With Morrisons Travel Insurance, you’ll get:
- More Card members save 10%* on all travel insurance policies
- 24/7 helpline available in case of medical emergencies
- Cover for a wide range of pre-existing medical conditions
- Up to £15 million medical expenses with single trip and annual multi-trip policies when you choose our 5-star Defaqto rated Gold cover
For single trip policies we provide cover for individuals up to and including 85 years of age. For annual multi-trip policies cover is available to those up to and including 75 years of age.
Travelling with pre-existing medical conditions
You need to declare any pre-existing medical conditions during your quote journey. If you don’t tell us about a pre-existing medical condition you have, future claims may be rejected, or payment could be reduced even if a claim is not related directly or indirectly to a pre-existing medical condition.
You can declare a pre-existing medical condition during our simple medical screening, as part of the quote process. This can be completed online or over the phone. It’s quick to complete and will help make sure you have the correct cover in place.
Be sure to buy your travel insurance as soon as you book your trip. If your health changes before the start of your trip, you should check with your medical practitioner that you are fit to travel.
If you need urgent help in a medical emergency, our 24-hour helpline is there to connect you with support and guidance straight away.
What medical conditions do I need to declare to my insurer?
Have you suffered from, received medical advice or treatment for, or have been prescribed drugs or medication for any of the conditions listed below in the last five years? If so, you need to tell us. That goes for anyone else insured under the policy as well.
- Any cancer condition
- Any diabetic condition
- Any breathing condition
- Any psychiatric or psychological condition (including anxiety, stress and depression)
- Any heart-related or blood circulatory condition (including high blood pressure and high cholesterol)
- Any neurological condition
- Any renal, kidney or liver condition
You also need to let us know of any medical condition for which, in the last 12 months:
- you have been prescribed medication for
- have received or are waiting to receive treatment for (this includes surgery, tests or investigations)
If you’re not sure, or have any questions, get in touch with us. Our team is ready to help with any questions about travel insurance for pre-existing conditions.
Types of Travel Insurance
Single Trip
Only plan on one holiday in the next 12 months?
Buy cover for just the length of your trip — and get cancellation protection from the moment you purchase.
Annual Multi-Trip
If you're planning on taking two or more trips in the next 12 months, annual multi-trip cover could be a more convenient option than taking out separate single trip policies.
We can cover up to 94 days per trip, depending on your chosen policy.
Get the right level of cover
We have three cover levels for you to choose from, depending on the level of protection you want for your next trip – Bronze, Silver and Gold.
To buy travel insurance you must be 18 or older, live in the UK (excluding Channel Islands and the Isle of Man) and you must buy it before your trip has started.
Exclusions, sub-limits and excesses may apply. For the full table of cover limits and any extra cover conditions check the policy wording.
Key Benefits |  Bronze Cover |  Silver Cover |  Gold Cover | |||
|---|---|---|---|---|---|---|
Cancellation or cutting short your trip | £1,500 | £5,000 | £7,500 | |||
Medical emergency expenses | £10,000,000 | £12,500,000 | £15,000,000 | |||
Missed departure | £300 | £1,000 | £1,250 | |||
Baggage | £1,250 | £2,000 | £3,000 | |||
Legal expenses and assistance | £25,000 | £25,000 | £25,000 | |||
Gadget cover | £500 | £750 | £1,000 | |||
Excess Amount | £100 | £75 | £50 | |||
| 31 Days | 45 Days | 94 Days | |||
| 90 Days | 90 Days | 90 Days |
Upgrade your travel insurance
Sometimes you need to upgrade your travel insurance to include something that’s not usually provided as standard. Further details about the available optional cover are provided in the policy wording.
Upgrades |
|---|
Winter Sports |
Cruise Cover |
Golf Cover |
Enhanced Gadget cover |
Excess Waiver cover |
What isn’t covered by travel insurance?
As with all travel insurance contracts, exclusions will apply. Please see the policy wording for all exclusions that apply.
Doctor Please!
What Doctor Please! offers:
- 24/7 Medical Help: You can talk with certified doctors over the phone or through video calls anytime, from anywhere in the world.
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- Multilingual Support: Access to doctors who speak English, which makes it easier if you are in a country where you don’t know the language.
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- Save Time and Money: Skip the long waits and high costs associated with visiting local private doctors for minor medical issues.
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- Get Prescriptions: In most places, the doctors can write local prescriptions, that you can pick up at local pharmacies.
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Travel insurance directory
Do you have a condition that means you pay more for your insurance? It may be worth speaking to a specialist provider to compare quotes.
Visit the MoneyHelper travel insurance directory or call 0800 138 7777 for more information.
What are the benefits?
Some of the advantages of using the directory make it easier for you to navigate the available market and make it more likely in finding a firm who:
- Is willing to offer cover for your condition
- Is willing to offer cover for your condition without specific exclusions
- Is willing to offer cover for your condition at a more affordable price
Travel insurance products to cover all your travels
Need any help?
Terms and conditions
* 10% off Travel Insurance for More Card members
- This offer is only available when you quote and buy a new travel policy directly from Morrisons (travel-insurance.morrisons.com).
- 10% discount applies to your final quote price when you tell us your More card number in the ‘Your Details’ section of the quote and buy form. This is available for both Single Trip & Annual Multi Trip policies and is eligible per policy purchased. Your More card number must be entered in order for this discount to be applied. Discount cannot be added retrospectively if your More card number is not added at the point of purchase.
- Discount does not apply to premiums for pre-existing medical conditions or premiums paid for optional cover.
- You won’t be eligible if you buy through a price comparison website.
- We reserve the right to change or cancel this offer without notice.
- All use of your More card is governed by Morrisons More Card terms and conditions which can be found here: https://www.morrisons.com/more/terms-and-conditions
Morrisons Travel Insurance is arranged and administered by Hood Travel Ltd and underwritten by Inter Partner Assistance S.A. UK, (part of the AXA Group), for travel cover and AmTrust Specialty Limited for gadget cover.
Two people in a relationship living at the same address
Up to 2 adults and up to 6 children under the age of 18, who all live at the same address. Children may include stepchildren, foster children and adopted children.
Up to 10 travellers, who can be a mix of adults and children. No more than 6 children under the age of 18 per policy. Travellers do not need to be related to one another, but at least one adult must be included.
Wm Morrison Supermarkets Ltd is an Introducer Appointed Representative of Hood Travel Ltd which is authorised and regulated by the Financial Conduct Authority under firm reference number 597211.