Your personalised
coverage estimate
Tell us about your trip. We'll show you exactly what's covered — no jargon, no hidden exclusions, no surprises.
Pre-existing medical conditions?
Heart conditions, diabetes, COPD, joint replacements — we cover them. This affects your premium.
Select your destination and age group to see your premium breakdown.
Standard travel insurance stops working
the moment you need it most
After sixty-five, most mainstream policies quietly rewrite the rules. The exclusions multiply. The age loadings compound. And the conditions you've managed carefully for years become the exact reason a claim gets declined.
claims rejected
Over-65 travellers face a 34% higher claim rejection rate than under-55s — almost entirely due to undisclosed or excluded pre-existing conditions.
average med-evac cost
A medical evacuation from the USA to the UK averages £47,000. Standard policies cap overseas medical at £1–2M, then exclude repatriation entirely.
declined elsewhere
Three in five Voyage customers were declined by at least one comparison site before finding us — refused not for bad health, but for honest health.
What the fine print actually says
"…conditions diagnosed within 24 months of departure are excluded…"
Your angina, managed for two years, isn't covered.
"…cover ceases at age 75 unless renewal is confirmed in writing…"
Your policy may have silently lapsed.
"…repatriation subject to medical director approval…"
Someone in an office decides if you come home.
"…maximum benefit payable for any single incident: £500…"
The cancelled safari costs £6,400.
The conditions you declared are the ones we cover
Most insurers treat your medical history as a liability. We treat it as information — the kind that lets us write a policy that actually works when you're 4,000 metres up in Peru or three days into a Danube river cruise.
Our underwriters assess each application individually. If we can cover you, we'll tell you exactly what's covered and what isn't — in plain English, not policy clauses.
How declaration works
- 1You tell us every condition — honestly and completely.
- 2We assess your application (usually within one working day).
- 3We confirm in writing exactly what is and isn't covered.
- 4You travel with a document you can show to any hospital in the world.
Conditions we cover — examples
Coronary artery disease
Including stents, bypass surgery, and pacemakers
Atrial fibrillation
Covered at altitude and long-haul
Type 2 diabetes
With or without insulin dependency
COPD / chronic bronchitis
Including supplemental oxygen requirements
Hip or knee replacement
Including post-op complications
Stroke (previous)
Within the last 24 months, declared at application
Hypertension
Medicated or unmedicated
Cancer (in remission)
Assessed individually, cover confirmed in writing
This is illustrative, not exhaustive. All conditions assessed individually at application. Cover confirmed in your policy schedule.
When something goes wrong, someone answers the phone
Our 24-hour medical assistance line is staffed by nurses and doctors, not a call centre. When you ring from a hospital in Budapest at 2am, you speak to someone who can authorise treatment, arrange a transfer, and call your family — on the same call.
Medical assistance line
Average response to air ambulance request
Countries with direct hospital billing
Maximum medical cover per person
Network coverage
180+ countries
Pre-approved hospital network · Direct billing · Air ambulance coordination
Partner hospitals — selected network
Semmelweis University Hospital
Budapest, Hungary
Cardiac & VascularAga Khan University Hospital
Nairobi, Kenya
Emergency & TraumaBumrungrad International
Bangkok, Thailand
Multi-specialityNewYork-Presbyterian
New York, USA
Cardiac & NeurologyClínica Anglo Americana
Lima, Peru
Altitude & Internal MedicineQueen Elizabeth Hospital
Bridgetown, Barbados
Emergency & GeneralWhat cancellation cover actually looks like — in practice
These are composite scenarios drawn from real claim types. Names are representative. The situations — and the outcomes — are the kind we handle every year.
The knee that gave out in Heathrow
Margaret & David, 71 and 74 — Nairobi safari, 18 days
David's knee collapsed at the departure gate. Torn meniscus confirmed at A&E. Trip: cancelled.
What was covered
- £11,400 safari package refunded in full
- Medical costs at Heathrow A&E
- Airport transfer costs
- Rebooking fees for the following year
Nothing excluded — knee arthritis was declared at application.
Total claim paid
Settled within 14 working days
The cardiac episode at altitude
Patricia, 68 — Machu Picchu, Peru, 10 days solo
Patricia experienced chest pain on the Inca Trail. Evacuated by helicopter to Lima, then air ambulance to Heathrow. Total medical cost: £38,000.
What was covered
- £38,000 medical and evacuation in full
- Family flights to Lima (daughter and son)
- Extended hotel stay for recovery
- Return flight home — business class on medical grounds
Nothing excluded — coronary artery disease declared at application.
Total claim paid
Settled within 14 working days
The river cruise that stopped
Robert & Helen, 75 and 72 — Danube River Cruise, Budapest to Vienna
Helen suffered a TIA (mini-stroke) on day three of the cruise. Hospitalised in Budapest for six days. Robert stayed with her.
What was covered
- Full hospitalisation costs in Budapest
- Robert's accommodation for 6 nights
- Remaining cruise cost refunded (£4,200)
- Specialist follow-up on return to the UK
Nothing excluded — previous TIA declared at application.
Total claim paid
Settled within 14 working days
What our clients say
Three comparison sites declined me because of my pacemaker. Voyage covered me for the full Nile cruise without hesitation. When I had a brief episode in Luxor, they had a cardiologist on the phone within twenty minutes.
Geoffrey Ashworth
Retired GP, 74 — Nile Cruise, Egypt
My daughter found Voyage after I'd given up. She handled the whole application. The policy document was the first one I'd seen in thirty years of travelling that actually said yes to everything I declared.
Rosemary Callahan
Retired teacher, 78 — River Cruise, Danube
The Complete Voyage
Coverage Guide
32 pages. Plain English. Everything you need to understand your cover, compare it with standard policies, and bring it to your travel companion.
- Full policy wording — no jargon
- Pre-existing condition checklist
- What to carry in your wallet abroad
- How to make a claim from anywhere