Medical travel insurance
Some travel insurance will only cover you for accidents and emergencies unrelated to any pre-existing conditions. Our medical travel insurance will cover those conditions if you detail them during the quote process.
Travel insurance is arranged by IES Limited.
Travel insurance for pre-existing medical conditions
Medical travel insurance gives you other benefits in addition to those provided by standard travel insurance.
Pre-existing conditions covered
Our insurance covers everyone, even with pre-existing conditions. You just need to let us know what they are.
Unlimited medical expenses
This covers you for injury, illness or serious accidents.
Repatriation cover
Helping you get back to the UK following an injury or illness.
24 hour medical assistance
We will help you if you are ill or injured outside the UK or the Channel Islands.
What is a pre-existing medical condition?
This is any illness or injury you have before you buy your travel insurance. It could be an ongoing condition, or one you have been treated for in the past.
Some of the most common conditions we cover include;
- high blood pressure
- high cholesterol
- stroke
- asthma
- epilepsy
- mental health issues
- arthritis
- chronic conditions
Undiagnosed medical conditions
You can still get travel insurance if you have an undiagnosed medical condition. This includes if you’re:
- waiting for test results for things like heart problems, epilepsy or cancer
- on a waiting list for a diagnosis, such as ADHD or autism
Your cover won’t include anything linked to the undiagnosed condition. This means you won’t receive a pay out if you cancel, cut your trip short or need emergency medical care because of an undiagnosed condition.
We know many people face long waits for answers about their health. We believe having an undiagnosed condition shouldn’t stop you from getting travel insurance for your trip. Once you have a diagnosis, you can let us know and we’ll update your cover.
Which? Best Buy
Consumer champion Which?, have rated our Platinum and Gold cover for Annual multi-trip and Single trip travel insurance a Best Buy.
5 Star rated cover
Independent financial experts Defaqto have given their highest rating to Gold and Platinum cover for our Annual multi-trip and Single trip travel insurance.
Co-op Member Prices
As well as 5% off Co-op Travel Insurance, members also get:
- lower prices in our food stores and online
- personalised offers every week
- access to presale tickets for Co-op Live, the UK's biggest arena
- a say in how Co-op is run
If you’re not yet a Co-op Member, you can sign up when you buy Co-op Travel Insurance. Your first insurance payment will include a one-off £1 joining fee.
5% travel insurance discount is valid for the life of the policy and does not apply to add ons or the extra cost to cover existing medical conditions.
Co-op Members can win
to Co-op Live when they buy a new policy
What if your insurance came with tickets to the gig of your dreams? Co-op Members who buy a new insurance policy direct from us by 31 October 2025 can win one of 100 pairs of Dreamseats to Co-op Live.
If you're not yet a Co-op Member, you can sign up when you buy Co-op Travel Insurance. Your first insurance payment will include a one-off £1 joining fee.
Do you need travel insurance if you have a GHIC card?
The Global Health Insurance Card (GHIC) has replaced the European Health Insurance Card (EHIC).
This card means you’ll receive the same healthcare and treatment as a local citizen if needed when travelling in the European Economic Area (EEA). It also covers you in countries like Montenegro, Switzerland and Australia.
The healthcare provided may be free, or you may be charged the same as a local citizen.
Please note that not all European countries accept the GHIC, so make sure you check before your trip.
The GHIC is not a substitute for travel insurance as it doesn’t cover you for:
- the costs of rescue and repatriation
- healthcare that’s not free, even to local citizens
- treatment in a private medical facility
- extra travel and accommodation costs due to illness
- losses from your trip getting cut short, delayed or cancelled
- lost or stolen property such as passports, baggage, gadgets and valuables
Why do you need travel insurance?
Travel insurance can give you extra protection if your holiday or trip doesn't go as expected.
It's there to help cover the cost of things like emergency medical treatment or the loss of valuables while you're away.
It can also protect you before you go on holiday. That could be if you need to cancel and cannot get a refund, or if something unexpected stops you from travelling.
To make sure you're covered, it's best to arrange travel insurance as soon as you book your trip.
There are two types of travel insurance you can get: annual multi-trip travel insurance and single trip insurance.
Annual multi-trip travel insurance
An annual multi-trip policy covers you for an unlimited number of trips over 365 days. You state when you get the quote whether you are travelling within the United Kingdom, Europe or worldwide. This means you can travel as many times as you like during any one year, as long as no single trip lasts longer than 55 days, up to a total maximum of 183 days with our highest level of cover.
Single trip travel insurance
You can get immediate cover for a single trip over specific dates for up to 365 days.
A single trip travel policy covers you for one journey, even if you visit more than one place. You can have multiple stops in different countries, as long as you don’t come home in between. The trip can last up to a year, and the countries you visit need to be listed when you buy your policy. Once you come back home, that trip ends, and so does the cover
Serious medical conditions
In rare cases, we may not be able to cover you due to serious medical conditions or the cost may be too high.
Get free and impartial help backed by the government with MoneyHelper.
Call 0800 138 7777 or visit MoneyHelper.
Get your travel money
Co-op Insurance introduces eurochange, for your travel money needs.
With currencies including euros, dollars, and yen available at over 240 UK branches. There is also free next day delivery on orders over £600, with 0% commission on all transactions.
Existing customers
If you're one of our existing customers we're here to help
Travel insurance is promoted by Co‑op Insurance Services and arranged by IES Limited and administered by Insure and Go Insurance Services.
eurochange is promoted by Co-op Insurance Services Limited (CISL). CISL acts as an introducer only and is not part of Eurochange Ltd
Calls are charged at local rates from landline and mobiles. If your phone has inclusive minutes these calls are normally included.
Applicants for insurance are subject to normal underwriting criteria.
Co-op Insurance Services Limited will receive a percentage commission from your insurance payments.