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Holidaymakers with pre-existing conditions continue to pay over the odds or face being priced out of traveling altogether, despite recent measures to address the problem, Which? research has found.

In our recent survey of 4,009 buyers of travel insurance, 61% said they had a pre-existing medical condition or a history of one. Over a third (36%) reported recent difficulties getting affordable cover because of their condition, with 7% of these people deciding to travel without insurance because premiums were prohibitively expensive.

Here we explain how your medical history can affect the premium you’re offered – and how to improve your chances of finding suitable cover at a decent price.

The cost of pre-existing conditions

In the past two years, the median amount paid for annual policies by customers with a pre-existing condition was £150 – 56% higher than those without (£96). Those who bought single-trip policies paid 88% more (£75 vs £40).

At an individual level, the differences can be much larger, depending on the nature of the medical condition as well as other factors such as age.

One customer in our survey, who had diabetes, told us they’d found they were paying roughly four times what they’d be