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Getting Started with Military Travel Insurance
Military travel insurance is an essential purchase for serving personnel. Those with adequate military travel insurance are covered for all typical travel insurance claims like lost luggage, flight cancellations and medical expenses.
What is military travel insurance?
Should you be called back for military service, you can get special cover to pay for any of your holiday and travel expenses. If you are called back for unavoidable military service, your insurance will pay for any flights, bookings and cancellations. At Forces Compare, we have partnered with Just Travel Cover to provide you with the best possible military travel insurance. With different policies and packages to choose from, you can get the best level of coverage at prices that suit your budget giving you cover for everything whether it is a family holiday or a group adventure trip with other soldiers and friends.
Simply click the “Get Started” button, answer a few quick questions and you can get covered immediately for your upcoming trip. Get great deals on travel insurance for military personnel today.
Types of military travel insurance
Single Trip Travel Insurance
Get insured quickly and easily for a single trip of up to 365 days, subject to age and acceptance. Travel with the assurance that you are protected with our pre-existing medical conditions and cancellation cover for over 65’s with no age limit.
Cruise Travel Insurance
Specialist cruise holiday insurance policies can include pre-existing medical conditions and cancellation cover, for over 65’s with no age limit. Relax completely when you cruise, knowing your emergency medical treatment is covered, should you need it.
Annual Multi-Trip Travel Insurance
Save money with our annual multi-trip insurance if you travel more than once a year. Travel as many times a year as you want with complete peace of mind, as we cover all pre-existing medical conditions.
Pre-Existing Medical Conditions
With specialist travel insurance for virtually all pre-existing medical conditions, including asthma, arthritis, diabetes, heart conditions, cancer, and even a terminal prognosis – at all ages – we will ensure you get the right insurance at a price that suits your budget. Key Policy Benefits Available:
- No age limit on single trip policies
- Unlimited medical expenses
- Up to £10000 cancellation per person
- Up to £3000 baggage cover per person
- Zero excess policies
- Over 50 activities are included for free
Travelling with an underlying condition
Chronic conditions can make travelling more difficult but should not keep those affected from enjoying their holidays. If you have a chronic illness it can be a good idea to visit the GP before you plan to travel. Your doctor will be able to advise you of any risks you should be aware of and help you take appropriate measures in the form of immunizations, medicine and any devices that may ease your trip.
Travelling by air can increase the chance of certain risks for those with chronic conditions including those with cardiac failure, a history of strokes, angina, severe anaemia, epilepsy or even uncontrolled hypertension.
Travel insurers can usually offer appropriate coverage for most conditions, however, your medical history may influence how many providers you can choose from. The logic behind this potential limitation is if you’ve had a health problem, you’re considered to be more likely to make a claim. Do bear in mind that as well as covering your necessary medical expenses, your military travel insurance will need to cover cancellations or any lost luggage etc.
Conditions that need declaring to travel insurers
When purchasing military travel insurance, you are obligated to inform your insurer about any medical conditions or illnesses you’ve been diagnosed with or have been treated for. In terms of conditions that need declaring this includes any injuries or surgery that you have had in the last five years.
Regardless of whether or not you have made a full recovery, you will still need to declare these pre-existing conditions and interventions. You should declare any of the following:
Terminal conditions
Your insurer needs to know about terminal illnesses such as motor neurone disease and Parkinson’s disease.
Heart conditions
Be sure to provide details about your heart condition and any medical kit you are taking on your trip.
Diabetes
You must tell your insurer if you’re living with either type 1 or type 2 diabetes.
Asthma and respiratory problems
Inform your insurer about any medical condition that affects your breathing.
Chronic illnesses
A chronic illness is a long-term condition that may not be curable, for example, multiple sclerosis, chrons disease or cystic fibrosis.
Joint and bone inflammation
Declare any conditions that cause problems with your bones and movement, like arthritis, this may be especially relevant for serving personnel looking for military travel insurance who have a physical role in the forces.
Circulatory conditions
Circulatory conditions affect a person’s blood flow, this category includes strokes, high blood pressure and high cholesterol.
Cancer
Insurers need to know if you have cancer, whatever stage it is or whether it’s in remission. Cancer and its treatment can cause a wide range of side effects and symptoms that may affect your trip. Do note that you should never travel with a cancer diagnosis without your oncologist’s consent and without so, any policies may be void.
Psychological disorders
Psychological disorders include anxiety, depression as well as eating disorders and drug or alcohol-abusive behaviours.
Conditions you’ve had testing for
If you are currently undergoing medical investigations or tests for something that hasn’t been diagnosed yet you will need to highlight this.
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Travel Confidently with Military Insurance
Life in the forces is unpredictable—your travel insurance shouldn’t be. Our military travel insurance is tailored for serving personnel and covers everything from cancellations to medical expenses. With Forces Compare, stay protected wherever duty—or adventure—takes you.
“With specialist travel insurance for virtually all pre-existing medical conditions, including asthma, arthritis, diabetes, heart conditions, cancer, and even a terminal prognosis—at all ages—we will ensure you get the right insurance at a price that suits your budget.”
FAQs
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What types of military travel insurance are available?
There are three main types of military travel insurance to suit different travel needs:
Single-trip travel insurance: This type of military travel insurance is perfect for one-off trips lasting up to 365 days. This is your go-to option if you’re planning a specific journey and want comprehensive coverage. It offers protection for pre-existing medical conditions and covers you in case of cancellation. There is no age limit on this type of military travel insurance.
Cruise travel insurance: This is a specialised travel insurance designed specifically for cruise holidays. This policy includes protection for pre-existing medical conditions and cancellation coverage, ensuring you can relax and enjoy your cruise without worrying about unexpected issues.
Annual multi-trip travel insurance: This is a comprehensive travel insurance plan for frequent travellers. This type of travel insurance allows you to travel multiple times a year with complete peace of mind. It is cost-effective and covers pre-existing medical conditions for all your trips throughout the year.
Do I need to declare medical conditions when purchasing military travel insurance?
Yes, it is important to declare all medical conditions when purchasing military travel insurance. This allows your insurer to fully assess your risk level and determine your insurance premiums. You must inform your insurer about any medical conditions or illnesses you’ve been diagnosed with (whether or not you have made a full recovery), treatments or surgeries you’ve had in the last five years, as well as specific conditions including:
Terminal illnesses (such as Parkinson’s disease, motor neurone disease, and so on)
Heart conditions
Diabetes (both type 1 and type 2)
Respiratory problems
Chronic illnesses (such as chrons disease, cystic fibrosis, and so on)
Joint and bone inflammation
Circulatory conditions
Cancer: It’s important to let your insurers know if you have cancer, regardless of what stage it is and whether it’s in remission. Travelling with a cancer diagnosis without your oncologist’s consent can render your travel insurance void.
Psychological disorders
Any ongoing medical investigations
Even if you’ve fully recovered, these conditions must be declared. Failing to disclose medical information could invalidate your insurance, leaving you unprotected during your travels.
Why do I need military travel insurance?
Military travel insurance is a special type of travel insurance tailored specifically to meet the unique travel needs of service personnel. It provides comprehensive protection that goes beyond standard travel coverage. Some important benefits include:
Coverage for typical travel issues like lost luggage and flight cancellations
Unlimited medical expenses
Up to £10,000 cancellation cover per person
Up to £3,000 baggage cover per person
Zero excess policies
Free coverage for over 50 activities
Most importantly, military travel insurance offers special protection if you’re called back for unavoidable military service. It can reimburse you for flights, bookings, and cancellations, giving you financial peace of mind during unexpected military commitments.
How does deployment affect my military travel insurance?
If you are called back for military service while on holiday, your military travel insurance provides unique protection. The policy will cover:
Reimbursement of holiday and travel expenses
Payment for flight cancellations
Compensation for booked accommodations
Flexibility to adapt to sudden military deployment
This specific feature ensures that as a serving military personnel, you can travel with confidence, knowing you’re protected against unexpected service recalls. Whether you’re travelling alone or with family and friends, this insurance provides a safety net that understands the unique challenges of military life.
When choosing your policy, it is important to compare different providers to find the most comprehensive coverage that meets your specific needs. Forces Compare partners with Just Travel Cover to help you find the best military travel insurance at competitive prices.
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We’ve partnered with award-winning JustTravel to bring you deals that suit your needs on travel insurance from multiple providers. Cover for hundreds of pre-existing medical conditions.
“I have been using Forces Compare for a year or two and have nothing but praise for them and the company.”


