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Travelling can give you the opportunity to recharge, reconnect with loved ones and experience something new. If you’re living with depression, having the right Travel Insurance in place can help you feel better prepared for the unexpected, allowing you to focus on making the most of your trip.
At AllClear, we understand that depression affects everyone differently. While some people manage their condition with medication or therapy, others may require ongoing support. That’s why we offer specialist Travel Insurance that takes your individual circumstances into account, helping you arrange cover that reflects your needs.
Our Travel Insurance for depression includes cover for emergency medical expenses, trip cancellation, lost or stolen belongings and more. By declaring depression and any other pre-existing medical conditions during our medical screening process, we can help provide cover that’s tailored to you, so you can travel with greater confidence and peace of mind.
What is Travel Insurance for depression and why do you need it?
Travel Insurance for depression can help provide cover for emergency medical expenses, trip cancellation, and cutting your trip short. It’s designed to give you greater peace of mind when you’re away from home.
Depression is one of the most common mental health conditions in the UK. Around 1 in 6 adults experiences a common mental health problem, such as depression or anxiety, in any given week. Bupa estimates that around 3 in 100 people will experience depression at any one time.
While many people living with depression travel without any issues, it’s important to have the right protection in place should the unexpected happen.
Travel can sometimes involve disrupted routines, long journeys, unfamiliar environments and time away from your usual support network. For some people, these changes may affect their wellbeing or require additional planning before they travel. That’s why choosing Travel Insurance that reflects your individual circumstances is so important.
At AllClear, we understand that everyone’s experience of depression is different. By declaring depression and any other pre-existing medical conditions during our medical screening process, we can help provide cover that’s tailored to your needs, allowing you to travel with confidence and focus on enjoying your trip.
What does “cover for depression” actually mean?
When we say we cover depression, we mean cover designed to apply to many common scenarios, in line with your policy terms. Here’s exactly what your specialist travel insurance can include when depression is properly declared and covered on your policy:
- Emergency medical care: Access to professional treatment abroad if your depression or other declared medical conditions worsen unexpectedly during your trip and the event is covered by your policy.
- Medical repatriation: Cover for the costs to bring you home safely if your medical conditions related to your mental health require an immediate return to the UK and this is approved by the medical assistance team.
- Cancellation and curtailment protection: If your GP or psychiatrist confirms you’re unfit to travel (or must return early) due to your declared depression or other covered conditions, you may be able to claim for cancellation or curtailment in line with your policy terms.
- 24/7 helpline support: Round-the-clock access to English-speaking emergency assistance from most destinations worldwide.
What cover does AllClear’s Travel Insurance for Autism provide?
Our Depression Travel Insurance provides cover for emergency medical expenses, cancellation, curtailment (cutting your trip short) and lost or stolen luggage. If the unexpected happens before or during your trip, you can travel with greater peace of mind knowing you have specialist Travel Insurance designed for people with pre-existing medical conditions.
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What’s covered?
- Medical cover – AllClear policies include emergency medical cover, as well as medical costs for existing conditions. This includes prescription medication, such as anti-psychotics, medical emergencies and medical equipment
- Cancellation and cutting your trip short – Cover for your flight and accommodation costs if you have to cancel before you go. We’ll also cover returning home early following an emergency
- Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
- Travel delays and missed departures – Delayed flight? We’ll compensate you for the time. We’ll also cover any resulting accommodation and transport costs
- Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday
- All ages – We believe Travel Insurance should be available to as many people as possible. That’s why our policies have no upper age limit
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What’s not covered?
- Deciding not to travel – We do not provide any cover if you can travel but choose not to
- Other regions – Your Travel Insurance won’t cover you if you travel outside your chosen region. You can contact us to upgrade your policy anytime
- Claims below the value of excess – You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare – When you buy Travel Insurance, you need to provide us with an accurate medical history so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses
Choose the right level of cover
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and cutting your trip short | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
How to declare your depression
Our medical screening takes just minutes and can be completed online or over the phone. We ask about your condition so we can build an accurate picture that helps us assess your application and the cover we can offer.
What we’ll ask you about:
- Your depression diagnosis and when it was made
- Current medications and dosages
- Any recent hospitalisations or treatment changes
- How your condition affects your daily life
Why we ask these questions
All information helps us provide you with a tailored quote that reflects your individual circumstances. Everything you tell us is completely confidential and used solely to create your personalised policy. The screening process ensures your policy is built around your specific needs, helping to give you peace of mind when you travel.
How much does Travel Insurance for depression cost?
Your premium is personalised based on your individual circumstances, including your depression, any other pre-existing medical conditions, your age, destination, and trip details. Declaring your condition may increase the price compared to a standard policy, as it can change the level and type of cover available for your declared conditions.
Think of your quote as a reflection of your individual situation, including your medical history and the level of cover you choose. Your AllClear policy is designed to provide cover for accepted claims relating to your declared conditions.
Your quote factors in:
- The severity and stability of your depression
- Any other health conditions you may have
- Your age, destination, and trip length
- The level of cover you choose
Your premium is based on these factors so that your policy can respond to eligible claims and help protect you abroad for covered events.
How our Travel Insurance for depression works: A simple 3 step quote process
Getting a quote for Travel Insurance for depression couldn’t be simpler. Here’s how it works.
1. Get a quote online or by phone
The first step is to provide your personal details and information about your holiday plans. Complete this over the phone with one of our team members or online.
2. Complete our simple medical screening process
You must declare any medical conditions you have and any medications you’re taking. This will allow us to provide the cover that best suits your needs.
3. Get your quote
You can either proceed to buy or save your quote at this stage.
Our experts say…
“A holiday can be an opportunity to rest, reconnect and step away from the pressures of everyday life. While travelling with depression may require some extra planning, having specialist Travel Insurance in place can provide valuable peace of mind. Knowing you’re protected against unexpected travel disruption means you can focus on making the most of your time away.”
What our Customers Say
Our 5 star rating on Trustpilot
We were declined travel insurance by another company
“After being declined travel insurance by another company for a certain medical condition, I was concerned that I wouldn’t be able to get any cover. I was then put onto AllClear, where the person I spoke to was very helpful. Both my husband and I have 2 different medical conditions each, including epilepsy and depression. This was not a problem for AllClear who issued the policy. The lady I spoke to explained everything in great detail and in a way that I could understand. Excellent service.”
Tips for travelling with depression
Travelling can be something to look forward to, but it can also bring changes to your routine, environment and daily habits. Taking a little extra time to prepare before you leave can help make your trip more comfortable and enjoyable.
Don’t put pressure on yourself to have the “perfect” holiday
Social media often creates unrealistic expectations about travel. It’s okay if your trip doesn’t look like everyone else’s. Give yourself permission to travel at your own pace and prioritise the experiences that matter most to you.
Build downtime into your itinerary
A packed schedule can sometimes feel exhausting rather than enjoyable. Leaving space for rest days, quiet mornings or flexible plans can help you recharge and avoid feeling overwhelmed.
Think about how you’ll spend long travel days
Flights, transfers and airport queues can be tiring. Consider bringing things that help you relax, whether that’s a favourite playlist, a good book, downloaded films or a mindfulness app.
Prepare for changes to your routine
Being away from home often means different meal times, sleep schedules and daily habits. Thinking about these changes in advance can help you adapt more comfortably once you arrive.
Keep important medical information close by
If you’re taking medication or receiving treatment for depression, keep a copy of any relevant medical information with you while travelling. This can be useful if you need support during your trip.
Stay connected in a way that works for you
Some travellers enjoy switching off completely, while others feel reassured by staying in touch with family and friends. There’s no right or wrong approach—choose what helps you feel most comfortable while you’re away.
Be kind to yourself if things don’t go to plan
Delays, cancellations and unexpected changes can happen on any trip. Having realistic expectations and a little flexibility can make these situations easier to manage if they arise.
Arrange the right Travel Insurance before you travel
Before you leave, make sure you declare depression and any other pre-existing medical conditions when arranging your Travel Insurance. Having the right cover in place can provide reassurance if you need medical assistance abroad or your travel plans change unexpectedly.
With the right preparation, many people living with depression enjoy rewarding travel experiences and create lasting memories both at home and abroad.
Depression Travel Insurance FAQs
Yes, you must declare your depression and any other pre-existing medical conditions, including mental health conditions, when applying for Travel Insurance. Failing to declare your condition can invalidate your policy, and related claims may not be paid.
If you don’t declare your depression and later need to make a claim, your insurer can reject claims related to undeclared conditions and may cancel your policy. You could be left paying all costs yourself and may struggle to get cover elsewhere.
Yes, taking antidepressants is something you must declare as it’s part of your medical history. However, being on stable medication often works in your favour as it shows you’re managing your condition responsibly. We assess each case individually rather than applying blanket exclusions.
We assess each application individually, including recent hospitalisations. While recent crisis episodes may affect your premium or terms, your mental health history will be considered as part of an overall assessment. Contact us directly to discuss your specific circumstances.
Yes, if you’ve declared your depression and it’s covered under your policy, you may be able to claim for trip cancellation if your GP or psychiatrist confirms you’re medically unfit to travel and your situation meets the policy conditions. You’ll need proper medical documentation, but this is exactly why declaring your condition is so important.
Letitia is a Travel Insurance expert with more than 20 years experience in science and medical communication and helping people find specialist insurance. As Head of Communications at AllClear, she brings in-depth knowledge on medical cover. Letitia cares about supporting people with medical conditions to travel with confidence.
Our content is created and reviewed by a dedicated team of experts
^ Based on UK companies in the 'insurance' category on Trustpilot, as of July 2025. AllClear Gold, Gold Plus and Platinum policies achieved Which? Best buy. AllClear Gold Plus and Platinium has been 5 Star rated by Defaqto.
1. We offered cover in 99.5%+ of cases (2025 quotes) but can’t guarantee cover in every circumstance.
2. Based on 200,000+ Trustpilot responses, as of November 2025.
