Getting to grips with travel insurance can sometimes be complicated, especially if you have an existing medical condition.

The Foreign and Commonwealth Office (FCO) is advising holidaymakers with pre-existing health conditions to make sure they are properly insured before setting off this year.

When buying travel insurance, the FCO advises travellers with pre-existing medical conditions to:

1. Answer questions about their medical history fully.

2. Read policy documents carefully – understand what you are and are not covered for.

3. Think about using specialist insurers or brokers. The British Insurance Brokers’ Association’s free “find a broker” service can provide access to specialist insurance.

4. Consider taking out a single trip policy for each holiday rather than an annual one. This allows insurers to provide a more accurate quote based on the type of holiday.

5. Consider your destination – the price of medical care can vary from country to country.

6. A European Health Insurance Card (EHIC) entitles holidaymakers to reduced cost emergency state healthcare in the European Economic Area (EEA).

It includes emergency treatment related to pre-existing medical conditions, but it will not pay for other costs such as travel back to the UK.

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