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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James went to Parliament last week to ensure mental health is at the heart of the 2015 Election debate.

James, Voices of Mind
Posted on 23/06/2014

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Andy Kempster, Policy and Campaigns Officer, explains why we're campaigning on benefit sanctions.

Posted on 13/01/2015

Travelling with eating disorders

Juliette Burton blogs about the challenges of travelling with an eating disorder.

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Posted on 10/08/2015

Are there specialist providers?

All of the insurance providers listed on this page claim to provide specialist cover for people with pre-existing mental health problems. 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

01424 215 315

activemindinsuranceservices.co.uk

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

AllClearTravel

Quotes: 0845 250 5350

Customer care line: 0845 250 5222

allcleartravel.co.uk

Provides specialist travel insurance for people with pre-existing medical conditions, including mental health problems. Includes comparison tool for insurers who specialise in cover for pre-existing medical conditions.

Avanti Travel Insurance

0800 043 0814

avantitravelinsurance.co.uk

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

Bipolar UK

020 7931 6480

bipolaruk.org.uk

info@bipolaruk.org.uk

Works with high street insurers to provide life and travel insurance for people with bipolar disorder.

Explorer Travel Insurance

0800 043 4003

explorerinsurance.co.uk

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

Free Spirit

0845 230 5000

freespirittravelinsurance.com

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

Freedom Insurance Services

01223 446914

freedominsure.co.uk

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

Good to go insurance

0844 334 0160

goodtogoinsurance.com

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

The Insurance Surgery Ltd

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.

MIA Online Ltd

0126 878 3383

miaonline.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.

Orbis Insurance

0142 421 5315

orbisinsurance.co.uk

Provides home, travel and life insurance for people with medical conditions. Specialists in providing cover for people with mental health problems, including specialist screening process.

Platinum Financial Consulting

020 3355 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.


This information was published in August 2015. We will revise it in 2018.


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