Back Problems Travel Insurance

Finding travel insurance that suits you and your budget can be a difficult if you suffer from back pain. Whether you’re getting away to explore, embark on an adventure or just relax in the sunshine, planning a holiday should be carefree. Here at Fish, we’re proud to be working with travel experts AllClear Travel Insurance to help you find the right cover for your trip. Travel Insurance from AllClear ensures you’re covered for everything you need, while you get on with planning your adventure.

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Back Pain Travel Insurance


  • Tell your insurer about any pre-existing medical conditions to make sure you’re fully covered
  • Consider covering everyone travelling in your party in case you have to cancel
  • Take a copy of your travel insurance documents with you

If you suffer from back pain through conditions like lumbago, ankylosing spondylitis and sciatica, then you might be finding it harder than most to find effective or cheap travel insurance. The reason for this is simply that many policies exclude any pre-existing medical conditions or, if they do cover them you might find the premiums higher than you’d expected.

AllClear specialise in providing insurance for people with both chronic conditions (classed as disabilities) as well as acute and short term ailments. This means not only can AllClear arrange travel insurance for people suffering from various forms of back pain, they can also offer competitive premiums.

What is back pain?

Back pain is a common ailment which can be caused through maintaining a persistently poor posture, bending, lifting or occur as a symptom of a medical condition like ankylosing spondylitis. It can occur in the lower back (lumbago), be a result of compression or irritation of the sciatic nerve (sciatica), a spinal disc herniation (slipped disc) and inflammation of tissue around the shoulder (adhesive capsulitis or frozen shoulder).

Do I need to declare my back pain as a pre-existing medical condition when buying travel insurance?

Yes. If you are suffering from short term, chronic or acute back pain you should advise your insurance company. Ailments such as sciatica and ankylosing spondylitis are among many pre existing health conditions which you must declare when getting a travel insurance quotation, otherwise your insurer may refuse to settle any claim you may later make under your policy.

Will having back pain prevent me from getting travel insurance?

Having back pain won’t prevent you from getting getting travel insurers. Whilst mainstream insurers will typically exclude some back conditions from cover, as a specialist broker, AllClear Insurance can arrange travel insurance for people with or short term or chronic back pain. You’ll find AllClear can give you options too, with single trip, annual, European and Worldwide policies as well as travel insurance for over 65s.

Information and support for people with back pain

The National Health Service website is a good starting place, featuring as it does details of various back conditions, the possible causes of back pain, symptoms, treatments, risk factors and measures that can be taken to prevent it. The charity BackCare also provides useful information and support, including an A-Z of back conditions and details of local chiropractors and the charity’s own branch support network.

AllClear take care of everything

Here at Fish Insurance, we’re proud to be working with travel experts AllClear Travel to provide you with cover for your next trip. AllClear’s team of experts will help find the cover you need at a price you’re comfy with. So if you’re planning your next break, all you have to do is decide where to visit first.

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Key benefits of AllClear’s cover*

  • No age limits
  • 1300+ conditions covered
  • ‘Superior’ Covid cover** (includes return flight costs if you’re forced to stay due to Covid-19)
  • Up to £15m medical emergency expenses cover
  • 24/7 English-speaking medical emergency helpline
  • Up to £25,000 for cancellation and cutting your trip short
  • Up to £3,000 for your baggage
  • Up to £500 travel delay cover
  • Up to £1,000 optional cover for travel disruption
  • Up to £2m personal liability cover

*All figures are per person and per trip

**Covid cover rated ‘Superior’ by a leading independent UK Consumer Champion in 2021

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Travel Policy Documents

See all of AllClear’s Travel Insurance policy documents by clicking below.

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And we don’t stop there…

We’ve answered some of the questions you may have about Travel Insurance