Insurance cover and mental health

Explains how mental health problems can affect insurance cover, what your rights are, and how to choose the right cover for you. Includes a list of specialist insurance providers.

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Are there specialist providers for pre-existing conditions?

All of the insurance providers listed on this page claim to provide specialist cover for people with pre-existing mental health conditions. However, no provider can guarantee you cover if you have a mental health problem; policies are always assessed on a case-by-case basis.

Please note:

Mind does not endorse any particular insurance provider, including the providers listed on this page.
Mind cannot offer advice on individual insurers, including the providers listed on this page. We do not have any knowledge of their past performance or how much they might charge you.
This list is not exhaustive. Many other insurance providers may be able to provide specialist cover for different conditions; you will need to judge which provider can offer you the most appropriate cover for your situation. See our page on getting the right insurance for guidance on making your decision.

Useful contacts

Active Minds

01274 518 393
activemindinsuranceservices.co.uk
Provides travel, life and home insurance for people with mental health problems and their families.

AllClear Travel

0808 281 0457
allcleartravel.co.uk
Provides specialist travel insurance for people with pre-existing medical conditions, including mental health problems.

Avanti Travel Insurance

0808 168 9153
avantitravelinsurance.co.uk
Provides travel insurance for people with pre-existing medical conditions, including mental health problems.

Cura

0800 567 7450
specialrisksbureau.co.uk
Offers a variety of insurance services including life, critical illness and income protection, for people with pre-existing medical conditions including mental health problems.

Explorer Travel Insurance

0345 373 0253
explorerinsurance.co.uk
Provides travel insurance for people with pre-existing medical conditions, including some mental health conditions.

Free Spirit

02392 419 080
freespirittravelinsurance.com
Specialist travel insurance for people with pre-existing medical conditions, including mental health problems.

Freedom Insurance Services

01223 446 914
freedominsure.co.uk
Travel insurance for people with pre-existing medical conditions, including mental health problems.

Good to go insurance

0330 024 9949
goodtogoinsurance.com
Travel insurance for any age group, with or without pre-existing medical conditions, including mental health problems.

Holidaysafe

holidaysafe.co.uk
Travel insurance for people with pre-existing medical conditions, including mental health problems.

The Insurance Surgery

0800 083 2829
the-insurance-surgery.co.uk
Finds life, travel and other types of insurance for people with pre-existing medical conditions, including a range of mental health problems.

JustTravelcover.com

0800 294 2969
justtravelcover.com
Provides travel insurance for people with pre-existing medical conditions.

life-insurance-help

020 33 55 4831
life-insurance-help.co.uk
Can provide help finding life insurance, critical illness insurance or travel insurance for people with pre-existing medical conditions, including mental health problems.

MIA

0800 999 3333
miatravelinsurance.co.uk
Travel insurance for people with pre-existing medical conditions. Also provides a service for customers to store their medical records online so that they can be accessed from anywhere in the world.