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Insurance cover and mental health

A list of specialist insurance providers who provide cover for pre-existing mental health conditions.

Are there specialist insurers for pre-existing conditions?

The insurance providers listed on this page claim to provide specialist cover for people with pre-existing mental health conditions.

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.
  • No insurance provider can guarantee you cover before you apply. Policies are assessed on a case-by-case basis once you have applied.
  • This list is not exhaustive. Many other insurance providers may be able to provide specialist cover for different health conditions. You will need to judge which provider can offer you the most appropriate cover for your situation.

Useful contacts

AllClear Travel

0800 077 777
allcleartravel.co.uk
Provides specialist travel insurance for people with pre-existing medical conditions, including mental health problems.

Aston Lark

020 7543 2800
astonlark.com
Provides travel, life and home insurance for people with mental health problems and their families.

Avanti Travel Insurance

0800 888 6195
avantitravelinsurance.co.uk
Provides travel insurance for people with pre-existing medical conditions, including mental health problems.

Caspian Insurance

0800 015 1342
caspianinsurance.co.uk
Finds life insurance for people with pre-existing medical conditions, including mental health problems.

Cura

0800 567 7450
curainsurance.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.

Direct Travel Insurance

0330 880 3600
direct-travel.co.uk
Provides travel insurance for people with pre-existing medical conditions, including mental health problems.

Free Spirit

02392 419 080
freespirittravelinsurance.com
Specialist 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.

I'm Insured

0800 334 5980
im-insured.co.uk
Finds life 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 mental health problems.

It's So Easy Travel Insurance

0330 606 1434
itssoeasytravelinsurance.com
Provides travel insurance for people with pre-existing medical conditions, including mental health problems.

Just Travel Cover

0800 294 2969
justtravelcover.com
Provides travel insurance for people with pre-existing medical conditions, including mental health problems.

MIA

0800 999 3333
miatravelinsurance.co.uk
Provides travel insurance for people with pre-existing medical conditions, including mental health problems.

Saga Insurance

0800 015 8055
saga.co.uk/insurance
Provides travel insurance for people over 50 with pre-existing medical conditions, including mental health problems.

Staysure

0800 033 4902
staysure.co.uk
Provides travel insurance for people with pre-existing medical conditions, including mental health problems.

Worldwide Insure

01892 833 338
worldwideinsure.com
Provides travel insurance for people with pre-existing medical conditions, including mental health problems.

This information was published in February 2022. We will revise it in 2025.

References and bibliography available on request.

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