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Holiday Insurance Brokers

Travel insurance with mental health conditions

Whatever journey you’re making, it’s important to be prepared for the unexpected. No one wants to be stuck at the airport or face a large medical bill while abroad.

If you’re travelling with a mental health condition, having the right cover matters.

At Norton Insurance Brokers, we help you find travel insurance that reflects your situation. Whether you’re managing anxiety, depression, bipolar disorder, or other conditions, we’ll guide you through what needs to be declared and how coverage works.

We work with insurers who understand mental health travel insurance. This means your policy can take into account your diagnosis, medication, and any recent changes in your condition.

This can include conditions such as PTSD, panic disorders, OCD, or stress-related conditions, not just the more commonly searched ones.

Planning a cruise or winter sports holiday? We’ll provide additional cover so you’re fully protected too.

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Do you need to declare mental health conditions for travel insurance?

If you have a mental health condition, you’ll need to declare it when arranging travel insurance.

We recommend thinking about:

Have you been diagnosed with anxiety, depression, bipolar disorder, or another condition?
Are you currently taking medication or receiving treatment?
Have there been any recent changes in your condition?
Where are you travelling and for how long?
Do you need higher medical cover for your destination?

Being clear about your condition helps ensure your policy reflects your needs.

Your personal client manager will discuss the options with you and ensure you get a travel insurance policy that fits the bill for you, and for your family. And if you ever need to make changes, simply give them a call on 0121 248 9440.

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What are my travel insurance options

If you travel more than once a year, an annual policy can be a simpler option.

Annual travel insurance covers multiple trips across 12 months. Once it’s in place, you don’t need to arrange cover each time you travel.

For travellers managing mental health conditions, this can reduce admin. You won’t need to repeat the process for every trip unless your situation changes.

Single-trip policies are still available if you’re planning a one-off journey.

We’ll help you choose the right option.

Contact To Learn More

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Travel insurance for anxiety, depression, bipolar and more

Mental health conditions are common, and many people travel with them.

Anxiety and travel insurance – If you have anxiety, it may need to be declared, especially if you’ve had treatment or medication.
Depression and travel insurance – Depression is usually considered a pre-existing condition and should be declared when arranging cover.
Bipolar travel insurance – Travel insurance for bipolar disorder is available, but insurers will assess your medical history and current treatment.

We can also help with other conditions such as PTSD, OCD, panic disorders, and stress-related conditions.

Each situation is different. We’ll help you find cover that reflects your needs.

Speak to an advisor

Get a travel insurance quote

Send us a message here and our team will be in touch to help with your travel insurance query.

We’ll take the time to understand your trip and point you in the right direction.

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Specialist protection for

Skiing and extreme adventure sports

If you’re heading to the slopes, or climbing a cliff face, you most likely won’t be automatically covered by a standard travel insurance policy. We can arrange winter sports travel insurance, and cover for other ‘extreme’ sports which are considered higher risk.

It’s best to let us know when setting up your policy exactly what activities you’re planning, or may take part in on any trip. While you can add this type of protection onto single-trip policies, you can also get these kinds of cover included in an annual travel insurance policy. Your personal client manager will be able to talk through the options with you to help you decide what will be most suitable for your needs.

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Travel insurance FAQs

What mental health conditions need to be declared for travel insurance?

Most diagnosed conditions should be declared. This includes anxiety, depression, bipolar disorder, PTSD, OCD, and other ongoing mental health conditions, especially if you’ve had treatment or medication.

Does travel insurance cover mental health conditions?

It can, as long as the condition has been declared and accepted by the insurer. Cover may include cancellation or medical treatment linked to your condition.

Do you need to declare anxiety for travel insurance?

Yes. Anxiety is usually treated as a pre-existing condition, especially if you’ve had treatment, medication, or a diagnosis. Declaring it helps ensure you’re covered if your condition affects your trip.

Contact us

Send us a message below to get in touch. We aim to respond to all queries sent before 5pm the same working day in the week, and the next working day if you message us in the evening or at the weekend.