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.

Active Minds Insurance

01274 518 393

activemindinsuranceservices.co.uk

Provides travel, life and home insurance for people with mental health problems and their families.

 

 

AllClearTravel

08008 488 608

allcleartravel.co.uk

Provides specialist travel insurance for people with pre-existing medical conditions, including mental health problems.

 

 

Avanti Travel Insurance

08008 886 195

avantitravelinsurance.co.uk

Provides travel insurance for people with pre-existing medical conditions, including mental health problems.

 

 

Explorer Travel Insurance

03453 730 253

explorerinsurance.co.uk

Provides travel insurance for people with pre-existing medical conditions, including some mental health conditions.

 

 

Free Spirit

08001 707 704

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

03300 249 949

goodtogoinsurance.com

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

 

 

HolidaySafe

02038 296 765

holidaysafe.co.uk

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

The Insurance Surgery Ltd

08000 832 829

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

08002 942 969

justtravelcover.com

Provides travel insurance for people with pre-existing medical conditions.

 

 

MIA Travel Insurance

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.

 

 

OK to travel insurance

01223 446 920

oktotravelinsurance.co.uk

Travel insurance people with pre-existing medical conditions, including mental health conditions.

 

 

Platinum Financial Consulting

02033 554 831

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.

 

 

Special Risks Bureau

08005 677 450

specialrisksbureau.co.uk

Offers a variety of insurance services for people with pre-existing medical conditions, including mental health problems.

 

 

Towergate Insurance

03301 232 249

towergateinsurance.co.uk

Travel insurance people with pre-existing medical conditions, including mental health conditions.


This information was published in April 2018 – to be revised in 2021. References are available on request. If you would like to reproduce any of this information see our page on permissions and licensing.


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