Refused cover? We can still help.


There are times when we can't provide the travel insurance cover you need. However, we work in partnership with a number of carefully selected, specialist insurers who can cover all kinds of eventualities, including travelling with a terminal illness, travelling against the advice of the FCO, taking part in dangerous sports and activities and even working abroad. Our partners also cover people who have already left the UK, expats and people working abroad who are looking for global medical insurance.

So, if we can't cover it, we know who can.

Existing Medical Conditions

Free Spirit

0345 90 80 111

Specialist travel insurance for most medical conditions and disabilities. They have no upper age limit and can consider insuring terminal conditions too.

One of the UK's largest specialist travel insurance providers for people with medical conditions and disabilities.

Comparison site offering policies to people with medical conditions and great if you want to compare quotes based on price from a panel of insurers to give you the best choice.

Only specialist travel insurers are eligible to sit on the their panel, so no matter what your age, destination or type of medical condition, Medical Travel Compared should be able to assist in finding cover that meets individual needs.

OK to Travel

01223 446 932

Cover for a wide range of existing medical conditions including travellers with terminal prognosis as long as its 6 months ahead of your return date.

Onestop4: Insurance

01689 892 266

A different approach to medical screening specifically for those who struggle to find appropriate cover due to either their age and / or their health conditions.

If you are taking a high value cruise Onestop will cover the full invoice cost, even if that is £100,000 or more.


01252 780 190 (please quote World First)

InsureCancer specialises in advanced cancer travel insurance and routinely provides cover for those with active, metastatic, relapsed or terminal cancer. They do not use any automated screening, and therefore all cases are individually underwritten on the basis of the patient's clinical status. The sole purpose at InsureCancer is providing specialist cover with policies specially designed for those living with cancer.


Sports & Activities

Sports Cover Direct

01494 484800
Please quote Rothwell & Towler when ringing

A range of policies for all manner of hazardous sports and activities including an 'activity top-up' policy so you can add short term activity insurance to your existing travel insurance policy together with a full range of sports accident insurance.


02392 419 070
Please quote ROT2103 when ringing

Adventures is a tailor-made insurance for almost any activity or occupation including amateur sports, manual work and hazardous pursuits.

With a wide range of activities to choose, from Abseiling to Zorbing, Adventures travel insurance can cover you for peace of mind travel.

Travelling Against the Advice of the FCO

Specialist Travel Insurance for Individuals or Groups travelling to high risk territorial zones worldwide not covered by regular travel insurance, such as war zones, crisis zones and disaster relief zones. Cover for both Business Trips and Leisure Trips. Designed for travelling professionals and pioneers such as Journalists, Photographers, Film Makers, Teachers, Charity Workers, Aid workers, Interpreters, Volunteers, Students and Engineers etc.

Already Left the UK

Available to residents virtually any country worldwide, including expatriates and foreign nationals. Can be bought for one way trips or even after departure (or arrival). Policy duration from 3 days to 3 years available. No age limit on Single Trip policies.


If you have already left the UK and forgotten to buy travel insurance then most providers will be unable to sell you a policy. IMG will provide cover under their Globe Hopper products.

Non-UK Residents

World First Travel Insurance have teamed up with Voyager Insurance and IMG Europe to offer an extensive range of International and expatriate travel, health and medical insurance - providing quality cover to individuals, families and groups of any nationality living, travelling or working virtually anywhere in the world.

The TravelCare policy from Expatriate Healthcare overs all nationalities, travelling anywhere in the world. You can cover a specific single trip or, for total flexibility, an annual policy that covers you for any trip you take abroad; regardless of how often you travel.

With a core policy, additional policy options and destination tailoring, you can adapt cover and premium to provide you with exactly this right product for you. Maximum age 70 years old.

Squaremouth is an online company that compares travel insurance products from every major provider in the United States.

Travelers of all nationalities are able to quote, compare and purchase travel insurance plans using Squaremouth's comparison engine and over 25,000 customer reviews. All policies purchased through Squaremouth also come with a Zero Complaint Guarantee.

Gadget Insurance

CoverCloud provides Gadget Insurance you can rely on. From iPhones and iPads to laptops and sat-navs. Protect your phone or gadget against Accidental Damage, Liquid Damage, Breakdown, Theft, Loss, Unauthorised Calls. All with Worldwide Cover as standard.

Life Insurance

The Insurance Surgery is a leading life insurance specialist for people with pre-existing medical conditions, hazardous occupations and extreme / professional sports. Services include: Free Advice; Price Match Promise; whole of market; Free Trust Service & Annual Review Service.