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Contact our specialist team for FREE expert help & advice 0800 083 2829

Our Travel Insurance Partner.

You may have found it difficult to secure life insurance with Our Travel Insurance Partner. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Our Travel Insurance Partner?

The Insurance Surgery has partnered with Staysure, one of the UK’s most trusted Travel Insurance specialists for pre-existing medical conditions.

Speak to an agent today! Call FREE on 0800 804 8193 and quote discount code TIS20 giving you 20% off the base premium of your policy.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Pre-existing Conditions Travel Insurance

The Insurance Surgery is a leading Life and Travel Insurance expert for people with pre-existing medical conditions and for extreme sports and hobbies.

Cover Options

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

We offer a full range of options including single trip and annual multi-trip policies.

Pre-existing conditions experts

Over 65's

Winter sports

Cruise Insurance

Individual, Couples, Family and Group cover

Special events

Critical Illness Cover

Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.

You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.

If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.

Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.

Income Protection Insurance

If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.

This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.

The Insurance Surgery comparison service

We have access to a large panel of leading insurers so that you can compare prices and choose a policy that best suits your needs.

So how can you help me?

We would like to provide you with details of a ‘Medical Cover Firm Directory’, which is a publicly available directory that only lists firms that provide, or arrange, travel insurance policies that cover more serious medical conditions. The directory will also show you enough information about each firm listed so you can make an informed, initial choice, about which firm might meet your needs.

What are the benefits?

Some of the advantages of using the directory make it easier for you to navigate the available market and make it more likely in finding a firm who:

Is willing to offer cover for your condition

Is willing to offer cover for your condition without specific exclusions

Is willing to offer cover for your condition at a more affordable price

How can I access a Medical Cover Firm Directory?

MoneyHelper has a Travel Insurance Directory on its website which can be accessed via the link below:

https://www.moneyhelper.org.uk/en/everyday-money/insurance/use-our-travel-insurance-directory .

Consumer enquiries about the directory can be made to MoneyHelper directly using the contact details below:

Telephone: 0800 138 7777 (available Monday to Friday from 8 am to 6 pm except Bank Holidays)

Webchat:https://webchat.moneyhelper.org.uk/newchat/chat.aspx?domain=www.moneyhelper.org.uk
(available Monday to Friday from 8 am to 6 pm and Saturday from 8 am to 3 pm except Bank Holidays)

Online Enquiry Form: https://www.moneyhelper.org.uk/en/contact-us/money-guidance/money-guidance-enquiry-form
(aim to respond within 2 working days).

Speak to an agent today! Call FREE on 0800 804 8193 and quote discount code TIS20 giving you 20% off the base premium of your policy.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Forbes Advisor, 2025

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

When you are choosing travel insurance it is important that you understand the cover provided and ensure that you are getting the right travel insurance cover for your needs. Getting the right travel insurance cover is even more important if you have a pre-existing medical condition or you are looking for travel insurance over 65. We are leading specialists in providing travel insurance for pre-existing medical conditions and travel insurance over 65. We have provided answers below to some of the questions we are most frequently asked about travel insurance for medical conditions and over 65s. If you can’t find the information you need please feel free to call us on 0800 804 8193, quoting discount code of TIS20 giving you 20% off the base premium of your policy, and we will be happy to help.

Can my travel companions, who don’t have a medical condition, be covered on the same travel insurance policy?

Yes, it makes sense to cover yourself and your travelling companions on the same travel insurance policy. You will need to declare your own medical conditions and answer our easy medical screening questions. If your companions don’t have any medical conditions to declare, that’s fine, you can just click continue at that stage.

Is the information you collect secure?

Yes, our website collects your personal information securely using a secure SSL certificate. Information exchanged with any address beginning with https is encrypted using SSL before transmission.

How can I find out more information about a specific travel insurance policy?

If you have a question about any of the travel insurance policies available on our website please call us on 0800 804 8193, quoting discount code of TIS20 giving you 20% off the base premium of your policy, and we will be happy to help.

How do I add winter sports cover to my travel insurance policy?

You can add winter sports cover to a single trip travel insurance quote or an annual travel insurance quote. Once you enter the dates of your trip and declare any pre-existing medical conditions you will be asked if you want to add any additional travel insurance cover. You can add winter sports cover at this point.

Once you do that all of the travel insurance prices that you are shown will include cover for winter sports.

I'm going on a cruise, how do I make sure I'm covered on my travel insurance?

When you get a quote for travel insurance from Staysure, the first question you need to answer is the type of travel insurance cover you require. If you are going on a cruise holiday you should select cruise insurance at this point.

I live outside the UK, can I get cover?

No, the travel insurance policies we compare are only available to the UK and Channel Island residents.

What do I do if I don't receive my travel insurance documents or I need another copy?

A. When you buy online you should receive a copy of your travel insurance policy documentation by email within minutes of completing your purchase. If you don’t receive them please call us on 0800 804 8193, quoting discount code of TIS20 giving you 20% off the base premium of your policy, and we will be happy to help.

How do I find out what is covered by each travel insurance policy?

When you get a travel insurance quote you will be presented with a selection of policies. At this point, you can see the schedule of benefits for each policy so that you can compare the cover provided and make a choice.

What if I change my mind, can I get my money back?

All travel insurance providers have to offer a 14 day cooling off period. This gives you time to read through the policy wording carefully to check whether it provides the cover you need. If you decide that the policy is not right for you, you will be able to obtain a full refund if applied for within this period.

How do I add winter sports cover to my travel insurance policy?

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

Family

By Policy

Helpful Information

What Are the Most Dangerous Occupations?

Is Income Protection Insurance Worth It?

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

What is Income Protection

Is Income Protection Insurance Worth It?

Our Travel Insurance Partner.

What Is Our Travel Insurance Partner?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Pre-existing Conditions Travel Insurance

Cover Options

Pre-existing conditions experts

Over 65's

Winter sports

Cruise Insurance

Individual, Couples, Family and Group cover

Special events

Critical Illness Cover

Income Protection Insurance

The Insurance Surgery comparison service

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies