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Having OCD doesn’t mean you can’t explore the world with peace of mind. We specialise in providing comprehensive Travel Insurance for people living with OCD and other pre-existing medical conditions.
OCD is a coverable pre-existing medical condition with AllClear. We understand that mental health medical conditions require specialist knowledge and tailored underwriting – that’s why we specialise in covering travellers with pre-existing medical conditions so they can explore the world safely.
What is OCD Travel Insurance and why do you need it?
OCD (Obsessive Compulsive Disorder) Travel Insurance is specialist cover that can help provide cover for emergency medical expenses, trip cancellation, and cutting your trip short, giving you greater peace of mind when you’re away from home.
While OCD affects everyone differently, travelling can sometimes present additional challenges. Changes to your routine, unfamiliar environments, travel delays and being away from your usual support network may increase feelings of anxiety or stress for some people. That’s why it’s important to choose Travel Insurance that reflects your individual circumstances and includes any declared medical conditions.
OCD is one of the most common mental health conditions in the UK. According to OCD UK, around 1.2% of the UK population lives with OCD, affecting around three quarters of a million people.
Specialist OCD Travel Insurance can help provide reassurance if you need medical assistance abroad or if your trip is unexpectedly disrupted. Depending on your policy and circumstances, cover may include:
- Emergency medical expenses while abroad
- Cancellation and curtailment (cutting your trip short) cover
- Travel delays and missed departures
- Lost, stolen or damaged baggage
- 24/7 emergency medical assistance
At AllClear, we specialise in Travel Insurance for people with pre-existing medical conditions. By declaring OCD and any other medical conditions during our medical screening process, we can help provide cover that’s tailored to your needs, so you can travel with confidence.
Can you get Travel Insurance if you have OCD?
Yes, you can get Travel Insurance if you have OCD. Specialist Travel Insurance providers, including AllClear, offer cover for people living with OCD and other pre-existing medical conditions, provided these conditions are declared during the medical screening process.
When applying for OCD Travel Insurance, you may be asked questions about:
- Your diagnosis and symptoms
- Any medication you currently take
- Whether you are receiving treatment or support
- Any recent changes to your condition
- Any other pre-existing medical conditions you are living with
Providing accurate information helps ensure you receive the most appropriate level of cover for your circumstances. Failing to declare OCD or any related medical conditions could affect future claims and may invalidate your policy.
By declaring OCD and any other medical conditions during our simple medical screening process, you can get cover that’s tailored to your needs and travel with confidence.
What cover does AllClear’s Travel Insurance for OCD provide?
Our Travel Insurance for OCD includes cover for emergency medical expenses, cancellation, baggage and other unexpected travel disruptions. Please read our Policy Wording to understand what is and isn’t included in your OCD Travel Insurance policy.
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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.
Why a specialist policy is essential for mental health
Specialist travel cover is designed to take account of the specific ways pre-existing mental health medical conditions can affect your trip, helping you to have appropriate protection in place if you need support while away.
Specialist insurers understand your needs
When you choose a specialist insurer like AllClear, you benefit from underwriters who understand OCD as a medical condition rather than applying blanket exclusions. We assess your individual circumstances, current treatment, and stability to provide appropriate cover at a fair price.
Individual assessment matters
We don’t use one-size-fits-all approaches. Every application is reviewed individually by our experienced team who understand mental health medical conditions. This means you receive cover that reflects your actual level of risk, not generic assumptions about OCD.
No upper age limit
We provide cover for travellers of all ages. Your age shouldn’t prevent you from exploring the world with proper protection.
Experienced claims handling
Our claims team has extensive experience with mental health episodes abroad. If you need support while travelling, you’re speaking to people who understand your medical condition and can arrange appropriate care quickly.
How our Travel Insurance for OCD works: A simple 3 step quote process
Getting a quote for Travel Insurance for OCD 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…
“Many people living with OCD worry that travelling may be more challenging because of changes to their routine, environment or daily habits. However, with careful planning and the right Travel Insurance, there’s no reason OCD should prevent you from taking the trip you’ve been looking forward to. The most important step is making sure your condition is declared accurately so you can get the cover and support that’s right for you.”
What our Customers Say
Our 5 star rating on Trustpilot
The sales agent was patient with me...
“The sales agent was patient with me since I have mental health issues. He took time to listen and explained well about the packages available to me. He did not oversell, and I liked that.”
Tips for travelling with OCD
Travelling with OCD can sometimes bring additional challenges, particularly when routines change or you’re in unfamiliar surroundings. However, with a little planning and preparation, many people living with OCD enjoy safe, rewarding and stress-free trips abroad.
Plan ahead where possible
Research your destination, accommodation and travel arrangements before you leave. Having a clear itinerary can help reduce uncertainty and make you feel more prepared for your trip.
Pack any medication in your hand luggage
If you take medication for OCD or any other medical condition, make sure you have enough for your entire trip, plus extra in case of delays. Keep medication in its original packaging and carry a copy of your prescription if needed.
Allow extra time when travelling
Airports, train stations and busy tourist attractions can sometimes feel overwhelming. Giving yourself extra time for check-in, security and transfers can help reduce unnecessary stress.
Maintain familiar routines where you can
While holidays naturally involve some changes, keeping certain routines in place—such as regular meal times, sleep schedules or relaxation techniques—may help you feel more comfortable while you’re away.
Create a plan for managing anxiety
Think about what helps you cope if you feel anxious or overwhelmed. This might include breathing exercises, mindfulness techniques, listening to music or taking short breaks during busy travel days.
Travel with someone you trust
If possible, travelling with a family member, friend or partner who understands your condition can provide additional reassurance and support throughout your trip.
Keep important information accessible
Carry details of any medication, emergency contacts and relevant medical information with you. Having this information readily available can be helpful if you need support while abroad.
Make sure you have the right Travel Insurance
Before you travel, declare OCD and any other pre-existing medical conditions when arranging your Travel Insurance. Having the right cover in place can provide valuable peace of mind if your trip is unexpectedly disrupted or you need medical assistance while you’re away.
With the right preparation and support, OCD doesn’t have to stop you from enjoying new destinations and making lasting memories abroad.
OCD Travel Insurance FAQs
Yes, OCD is classified as a pre-existing medical condition that must be declared when applying for Travel Insurance. This includes any diagnosis of OCD, whether current or historical, and any related treatment or medication. Declaring your medical condition ensures you receive appropriate cover and protects the validity of your policy.
If you don’t declare OCD or any other pre-existing medical condition when you apply, your cover may not be in place as expected and claims could be declined. Always provide full and honest information during the application process to help protect the validity of your policy.
Your premium is calculated based on your individual circumstances, including your OCD diagnosis, treatment history, and current stability. While some medical conditions may increase premiums, the cost of having cover that reflects your medical needs can be small compared to potential medical bills abroad.
You may be covered for cancellation costs up to your policy limits if your GP or psychiatrist advises that you’re unfit to travel due to a deterioration in your OCD. However, simply feeling anxious about travel without medical certification wouldn’t qualify for cancellation cover.
Contact our 24/7 emergency assistance line as soon as you can. Our experienced team will arrange appropriate medical care and can coordinate with local mental health services. If necessary, we can arrange emergency repatriation to bring you home safely. Never delay seeking help.
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.
