Yes, but you’ll need to declare it – even if it’s in the past. Whether you’ve recently started treatment or your depression is historical (including post-natal depression or episodes following bereavement), we’ll need to know so that your policy remains valid.
At MIA, we understand that mental health is complex and deeply personal. We can find cover for people with a history of depression – including those currently receiving treatment through counselling, therapy, or medication. If your depression has required hospitalisation at any time, we’ll need to take this into account when offering a quote.
We know it’s not always easy to talk about, but being open about your medical history helps us make sure you’re properly protected when you travel.
We run our medical quotes over the phone, so you’ll speak with a trained member of our team who understands the nuances of mental health conditions. We’ll go through things thoroughly but sensitively, helping you feel confident about the cover we offer.
If you’re taking medication that treats both depression and anxiety, we may ask about both conditions to ensure nothing is missed. We aim to make the process as clear and supportive as possible.
Check in with your doctor or mental health team to make sure they’re happy for you to travel. They can also help ensure you’ve got enough medication, and offer advice on staying well while you’re away.
2. Plan with your wellbeing in mindChoose a destination and itinerary that won’t overwhelm you. Travelling can be tiring, so avoid overbooking yourself and schedule in downtime. Familiar routines – like regular sleep and meals – can help with mood stability.
3. Prepare your medicationBring enough medication for your whole trip, plus a few days extra in case of delays. Carry it in your hand luggage in its original packaging. You might also want a letter from your doctor, especially if you’re crossing borders.
4. Know what to do in a crisisIf you experience a mental health crisis abroad, contact our Emergency Medical Assistance team. They can guide you through local support options and arrange medical help if necessary. We’re here to help – wherever you are.
5. Useful resourcesThe NHS website has resources on staying mentally well, and Mind offers useful tips for maintaining wellbeing while travelling.
We’ll ask about both conditions if your medication is used for more than one mental health issue. It’s important to be as accurate as possible so that we can offer appropriate cover.
Will therapy or counselling affect my quote?Possibly, yes – if you’re currently undergoing talking therapy or have done so in the past, this will need to be declared. It helps us assess your needs accurately.
What if I need to cancel my trip?If you become unwell and your doctor confirms you’re not fit to travel, you may be able to claim for non-refundable costs for yourself and any insured companions.
Can I return home early if I feel mentally unwell?If your mental health deteriorates during your trip, our Emergency Medical Assistance team can help you return home and may cover costs for you and a companion, subject to policy terms.
Further questions? Ready to go through a quote? Give us a call on 0800 999 3333.
We’re ready when you are.
