Compare Anxiety Travel Insurance | Medical Travel Compared (2024)

Compare Anxiety Travel Insurance | Medical Travel Compared (1)

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Compare Anxiety Travel Insurance | Medical Travel Compared (2)

Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Last updated: 11th Apr 2024 Originally posted: 1st Sep 2022

Why do I need travel insurance for Anxiety?

Anxiety disorders are pretty common in the UK, that’s why specialist travel insurance covering anxiety is a useful and important item to have for people suffering with the condition.

If you’re on the lookout for this type of cover - then you’ve certainly come to the right place. We work with many specialist medical travel insurance providers, so you can compare cover quickly and easily to find a policy that works for you.

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Do I have to declare anxiety on travel insurance?

Yes, you will need to tell us about any mental health-related conditions that you or, any travellers on your policy, have been diagnosed with. As part of your quote, you'll be able to declare anxiety as a pre-existing health condition.

In doing so, it’s likely that you’ll be asked a few questions about your condition. The answers you provide will help travel insurance providers get a better understanding of yourmental healthand general medical background.

For example, you might be asked:

  • Are you currently taking any medication to treat your anxiety?
  • Have you been treated fordepression within the last 3 years?
  • Have you ever had a compulsory admission to hospital as a result of this condition?
  • Have you ever been referred to, or reviewed by a psychiatrist for this condition within the last 2 years?
  • Has this condition ever caused you to cancel, or cut short any travel plans?

What does travel insurance for anxiety cover?

By declaring anxiety on your policy, you can rest assured that your cover will take into account your condition, and any impact it has on your trip. For example, if your anxiety flares up before your holiday, and you are medically unable to travel, or whilst you are away, and you need emergency medical treatment.

Alongside providing cover for your anxiety, you can expect your travel insurance to include the same things that a standard travel insurance policy would include, such as:

  • Emergency Medical Expenses and Repatriation- if you’re hospitalised, or even need to be repatriated back to the UK as a result of your condition.
  • Lost, Stolen or Damaged Personal Belongings- this could include any medication that you’re taking with you to treat your anxiety.
  • Cancellation and Curtailment- if you suddenly decide to cancel your trip, or end up cutting it short.
  • Travel Delay- this won’t always be included, so check your cover
  • Personal Liability- if you cause accidental damage to another person, or someone else’s property - cover is provided.

You can compare this type of cover across a range of specialist travel insurance providers.

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Optional extras

  • Of course, you can add any optional extras that you need - such as:

    • Gadget cover
    • Cruise cover
    • Winter sports cover

    This may increase your premium, but it’s definitely something to consider when shopping around, especially if you have different types of holidays planned.

Top tips for travelling if you have anxiety

Dr Sarah Jarvis is the Clinical Director of the Patient Platform, an active medical writer, broadcaster, and the resident doctor for BBC Radio 2.

We all get anxious from time to time – and uncertainty or feeling out of control is one of the biggest triggers. If you have a history of medically diagnosed anxiety, you'll need to declare it.

Anxiety often goes hand in hand with depression. At any given time, one in 12 people has mixed anxiety and depression and between one in 20 and one in 50 has generalised anxiety disorder. In addition, about one in 10 people get occasional panic attacks and for one in 50, they're frequent enough to have a real impact on your life.

Holidays can be a great way to relax, get away from your worries, and curb your anxiety – so suffering from anxiety certainly shouldn't stop you from travelling. However, there are some extra precautions to bear in mind.

  1. Be prepared. If you've done some research into what to expect – both while you're travelling and at your destination – you're less likely to get any nasty surprises. You may have a natural tendency to avoid thinking about worst-case scenarios (travel delays, lost luggage etc), but by going through your options when you're in a non-stressful environment, you're less likely to panic if it happens.
  2. Have coping mechanisms to hand. Ideally, make sure you have some coping strategies (relaxation techniques, meditation or mindfulness) which you've practised in advance. It's much easier to put them into effect if you've got into the habit of doing them.
  3. Distract yourself. Travelling involves taking yourself out of your comfort zone, and it's very common to end up focussing on your anxiety. As well as the churning thoughts, feeling anxious often involves physical symptoms as your body is flooded with adrenaline. Make sure you have some distractions (whether it's your favourite puzzles, magazines, or a good book) to help distract you.
  4. Recognise adrenaline. The feelings connected with excitement and anxiety are very similar in some ways, because both circ*mstances tend to raise your adrenaline levels. Plan your itinerary to include some events you're really looking forward to – a relaxing massage, a walk along the beach at sunset. If you start feeling anxious, visualise these and try to focus on the positive.
  5. Go with a friend. Ideally, travel with a companion who is aware of your condition. That way, they can share the concern of any unexpected glitches in your plans. They may also find it easier to cope in an emergency as they may be able to deal with the practical issue at hand more objectively.
  6. Know your triggers. If crowds make you anxious, timing is key. You may not be able to avoid crowds at the airport, but you can plan much of your travel at quieter times. If flying is your biggest concern, consider a coach trip or cruise, or stick to short-haul flights.
  7. Think carefully about alcohol. While many people think alcohol reduces symptoms of anxiety, it's actually a depressant. In the short term, if you drink too much, you're more likely to end up feeling out of control, which can lead to acute anxiety and panic attacks. In the medium-long term, alcohol can worsen depression and the anxiety that often goes hand in hand with it.
  8. Have strategies so you can cope with any panic attacks. Symptoms of panic attacks include palpitations, shortness of breath, chest pains, dry mouth, sweating and trembling, feeling or being sick, and feeling severely anxious or as if you're going mad. The first way to deal with a panic attack is to learn to recognise what's happening. Slow breathing techniques can make a huge difference.
  9. Don't let your medication be an extra source of anxiety. If you are taking regular tablets, stock up well in advance and check the details on the foreign embassy website of the country or countries you're visiting to make sure they're allowed. See our article on carrying medication abroad for other tips to avoid medication mishaps.
  10. Get peace of mind with the right insurance. Don't be tempted to avoid declaring anxiety on your travel insurance – not declaring a pre-existing issue could make your insurance invalid.
Compare Anxiety Travel Insurance | Medical Travel Compared (6)

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It’s easy to compare quotes for specialist anxiety travel insurance with us.

Our online comparison tool will help you find the right cover in minutes. Once you’ve told us about your trip and any pre-existing health conditions, you can compare competitive cover across a range of leading anxiety travel insurance providers.

Explore your options today and get covered.

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Frequently Asked Questions

Yes - we’ve helped our customers compare specialist cover for hundreds of pre-existing conditions including anxiety and you can get a quote today if you like.

It’s possible to compare competitive quotes across specialist anxiety cover - although the premium will ultimately depend on how much cover you need based on your individual circ*mstances. Get a quote today and see for yourself!

It’s wise to declare your anxiety, just to ensure you have protection in place for your condition before you go away, or whilst travelling.

Besides anxiety, you can get covered for a number of other mental health conditions including bipolar disorder, depression, eating disorders, OCD, PTSD and Schizophrenia to name a few.

No, we are unable to provide cover with any of your pre-existing medical conditions excluded.

* Price is based on 1 traveller aged 61, who has declared Anxiety and is travelling to France for 7 nights. The price is correct as of April 2024. Prices may vary according to your individual requirements.

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If we're unable to help you find cover for a pre-existing medical condition, the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on theirwebsite.

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Top Tips For Anxious FlyersDiscover practical and empowering tips to conquer fear of flying. Learn how to transform your flying experience into a relaxed and enjoyable journey. Tommy Lloyd 14th Mar 2024 • 8 min read
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Editorial Disclaimer:

We’re a specialist comparison website that provides people with pre-existing medical conditions an easy way to find suitable travel insurance. You’ll find a range of guides, articles and tips across our site. Whilst we always aim to provide the most accurate information and guidance, we can’t always guarantee that the information contained in the pages of our website is correct. Because of this, we can’t accept liability if things go wrong and you use the information at your own risk.

  • This site does not provide medical advice, diagnosis or treatment of any medical conditions. You should always consult a medical professional to ensure you are healthy and fit enough to travel.
  • The information on our site does not constitute financial advice. Always do your own research for your specific circ*mstances as the information contained within this site is built to offer generic, not bespoke guidance.
  • We always endeavour to provide accurate product and price information, but products and rates issued by our panel of providers are live and subject to changes outside of our control and without warning.
  • Occasionally we link to other websites to provide you with additional information or guidance. We can’t be responsible for their content.
  • We aren’t owned by any insurance companies (or have any favourites) so the information we present on our website is unbiased.
Financial Disclaimer:

Medical Travel Compared is a trading name of Aequotech Limited who is authorised and regulated by the Gibraltar Financial Services Commission (20376) to provide general insurance intermediary services within the travel insurance sector. Medical Travel Compared trade into the UK on a freedom of services basis (Financial Conduct Authority Firm Reference Number 677661).

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Compare Anxiety Travel Insurance | Medical Travel Compared (2024)

FAQs

Is anxiety a medical condition for travel insurance? ›

Do I have to declare anxiety on travel insurance? Yes, you will need to tell us about any mental health-related conditions that you or, any travellers on your policy, have been diagnosed with. As part of your quote, you'll be able to declare anxiety as a pre-existing health condition.

What is the difference between travel insurance and medical travel insurance? ›

Medical insurance for travel is specifically designed to cover any medical expenses you may incur while traveling. Travel insurance, on the other hand, provides more comprehensive coverage, including things like trip cancellation, lost luggage, and emergency medical evacuation.

Is medical travel insurance worth it? ›

If you intend on traveling outside of the U.S. it's a good idea to purchase some form of travel medical insurance, even if you're in good health. This way, you're not stuck paying medical costs up-front in the case of an accident or emergency, since most U.S. health insurance policies don't provide coverage abroad.

Is anxiety considered a medical problem? ›

An anxiety disorder is a type of mental health condition. If you have an anxiety disorder, you may respond to certain things and situations with fear and dread. You may also experience physical signs of anxiety, such as a pounding heart and sweating. It's normal to have some anxiety.

Does anxiety count as a pre-existing medical condition? ›

Pregnancy before enrollment is also considered pre-existing and chronic. Other less severe conditions such as acne, asthma, anxiety, and sleep apnea may also qualify.

How much medical travel insurance is enough? ›

How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

What does travel insurance not cover? ›

Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.

Does AARP offer international travel insurance? ›

Does AARP offer travel insurance? AARP does not offer travel insurance, but can offer guidance and tips on how to choose a plan. Rather than AAA trip insurance, seniors can purchase a travel medical insurance policy through a trusted online marketplace, such as VisitorsCoverage.

What are two disadvantages of travel insurance? ›

Cost: Travel insurance will add to the overall cost of your trip. Some may choose to forgo it to save money, especially on shorter or less expensive trips. Exclusions and Limitations: Policies may have various exclusions and limitations, so it's essential to read the fine print.

Does travel insurance cover medical costs upfront? ›

Travel insurance may pay your expenses upfront if you require emergency medical treatment or emergency transportation while traveling overseas.

Can insurance deny you for anxiety? ›

Treatment of mental illness can be denied by health insurance companies for a number of reasons and using a variety of methods that determine whether a type of treatment is considered medically necessary or a part of your benefits.

Can you travel with anxiety disorder? ›

If you have panic disorder, panic attacks and anxiety-related symptoms might keep you from traveling. Being in new and strange places, away from the safety of your home, can make you feel insecure. You may also be afraid of others witnessing your fear and nervousness.

Does having anxiety affect insurance? ›

Does anxiety count as a pre-existing condition? YES – most insurance applications will include several questions about mental health and anxiety. You'll be asked some questions as mentioned above (questions about anxiety life insurance) and you should make sure that you answer all questions as honestly as possible.

Is anxiety covered by insurance? ›

Fortunately, most health insurance plans cover some or all of the costs associated with treating anxiety. The Mental Health Parity and Addiction Equity Act (MHPA) was first enacted in 2008, ensuring that health plans cover mental health services and treatments at a level equal to medical and surgical benefits.

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