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Last updated:
10/07/2020

Specialist insurance providers for people with pre-existing mental health conditions

  1. Mental health and insurance cover
  2. What insurance might I need if I have a mental health condition?
  3. Finding the right insurance cover
  4. Specialist insurance providers for pre-existing mental health conditions
  5. Insurance and mental health rights
  6. Insurance decision complaint
  7. Advice for insurance professionals

Finding insurance with a pre-existing mental health condition can be challenging. However, several insurance providers offer specialist insurance cover for people with pre-existing mental health conditions.

We have listed several financial advisers, brokers and insurers who all claim they can provide insurance cover for people with pre-existing mental health conditions.

Important

  • Mental Health and Money Advice does not endorse any of the insurance providers listed on this page.
  • Other insurance providers who are not listed here may be able to offer specialist mental health insurance cover. You will need to decide which provider can provide you with the best protection for your situation.
  • There is no guarantee you will be accepted for a policy with anyone listed on here. Each case will be considered individually.

The Insurance Surgery

Insurance Surgery helps people with pre-existing medical conditions find competitive life insurance and travel insurance.

The Insurance Surgery, Cura and Moneysworth have a special arrangement with Royal London, for life insurance cases with more challenging mental health disclosures.

Telephone: 0800 083 2829
Email: enquiry@theinsurancesurgery.co.uk
Website: www.the-insurance-surgery.co.uk

Cura

Cura specialises in finding insurance for people who are deemed high risk with pre-existing medical conditions, including mental health illnesses. They offer a variety of insurance services, including life insurance, critical illness and income protection.

Cura, The Insurance Surgery and Moneysworth have a special arrangement with Royal London, for life insurance cases with more challenging mental health disclosures.

Telephone: 0800 567 7450
Email: info@specialrisksbureau.co.uk
Website: https://www.specialrisksbureau.co.uk/

Moneysworth

Moneysworth is a specialist insurance broker for people with pre-existing medical conditions, including mental health. They source insurance cover from the entire life insurance market.

Moneysworth, Cura and The Insurance Surgery have a special arrangement with Royal London, for life insurance cases with more challenging mental health disclosures.

Telephone: 01625 462 744
Email: https://www.moneysworth.co.uk/contact/
Website: https://www.moneysworth.co.uk/

Active Minds

Active Minds are specialist insurance providers for people living with a mental illness. They provide several types of insurance, including travel, life and home insurance for people with mental health conditions.

Telephone: 01274 518 393
Website: https://www.activemindinsuranceservices.co.uk/

JustTravelcover.com

JustTravelcover.com provides a way to compare travel insurance cover for pre-existing medical conditions such as mental health or for people who are over 65.

Telephone: 0800 294 2969
Email: admin@justtravelcover.com
Website: https://www.justtravelcover.com/

AllClear Travel

AllClear Travel provides medical travel insurance for people with pre-existing medical conditions, including mental health conditions.

Telephone: 0800 848 8608
Website: https://www.allcleartravel.co.uk/

Freedom Insurance Services

Freedom Insurance can provide travel and life insurance to people with pre-existing conditions, including mental health conditions.

Telephone: 01223 446 914
Email: information@freedominsure.co.uk
Website: https://www.freedominsure.co.uk/

Free Spirit travel insurance

Free Spirit provides travel insurance for people with medical conditions, including mental health. They also have no age limits to their policies.

Telephone: 02392 419 080
Email: contact@freespirittravelinsurance
Website: https://www.freespirittravelinsurance.com/

MIA travel insurance

MIA offers travel insurance for people with pre-existing medical conditions and has no exclusions for psychiatric conditions such as anxiety, depression or bipolar.

Telephone: 0800 999 3333
Email: info@miaonline.co.uk
Website: https://www.miatravelinsurance.co.uk/

Avanti travel insurance

Avanti provides travel insurance for people with pre-existing medical conditions, including mental health conditions.

Telephone: 0808 281 7088
Email: enquiries@avanti.co.uk
Website: https://www.avantitravelinsurance.co.uk/

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Within this subject

  1. Mental health and insurance cover
  2. What insurance might I need if I have a mental health condition?
  3. Finding the right insurance cover
  4. Specialist insurance providers for pre-existing mental health conditions
  5. Insurance and mental health rights
  6. Insurance decision complaint
  7. Advice for insurance professionals
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