Travel Insurance 4 Medical

What Travel Insurance 4 Medical does

Travel Insurance 4 Medical is a UK-domiciled specialist travel insurance intermediary, operating as a trading brand of Rothwell & Towler Ltd (a private limited company founded in 1973 and headquartered in Exeter with a London registered office). Its core proposition is travel insurance for travellers with pre-existing medical conditions, a segment it has served for over 50 years; the parent company was influential in creating the first UK travel insurance policy for people living with HIV. The business runs a direct-to-consumer model via an online self-serve quoting platform and a UK call centre, with in-house medical screening conducted online or by phone that enables customers to receive quotes and purchase cover in a single interaction. Products are modular: four core policy types (Single Trip, Annual Multi-Trip, Medical, Backpacker/Longstay up to 558 days) with three coverage tiers per type (Economy Extra / Standard / Superior, or Backpacker Lite / Standard / Extra), plus optional add-ons for Winter Sports, Cruise, and Gadget Cover, and complimentary cover for 150+ sports and activities.

The company's technology stack centres on an in-house medical screening system backed by a proprietary database of thousands of medical conditions, continuously updated in line with current research and treatment, which powers real-time risk rating and pricing. The business operates as an Appointed Representative of Crispin Speers & Partners Ltd (FCA FRN 311507), with policies underwritten primarily by White Horse Insurance UK Limited (PRA/FCA FRN 203320) and gadget cover underwritten by Collinson Insurance (Astrenska Insurance Limited). Emergency assistance is provided by Cega Assistance for policies purchased on or after 1 January 2025, with claims handled through dedicated portals. Revenue is generated via commission on premiums under delegated authority from insurers, plus contingent income tied to insurer targets, with no public revenue disclosed; pricing is quote-based and varies by age, medical condition, destination, and duration.

Name

Travel Insurance 4 Medical

Legal name

Rothwell & Towler Ltd

Website

https://travelinsurance4medical.co.uk

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

11–50 employees

Short description

Travel Insurance 4 Medical is a UK specialist travel insurance intermediary (trading brand of Rothwell & Towler Ltd, founded 1973) selling direct-to-consumer policies, primarily to travellers with pre-existing medical conditions, via an online quoting platform, UK call centre, and FCA-regulated Appointed Representative model with White Horse Insurance underwriting.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Medical Travel Insurance (Emergency Medical, Evacuation & Repatriation) (FSAJAJAB)

akta.pro secondary industries

Emergency Assistance & Case Management (Medical, Security, Evacuation) (THALALAG), Baggage & Personal Effects Insurance (FSAJAJAE)

Keywords

• Medical travel insurance
• Pre-existing conditions cover
• Specialist travel insurance
• Annual multi-trip insurance
• Backpacker travel insurance

Headquarters

HQ city

Exeter

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Premium Revenue: Travel insurance policies sold directly to consumers via online platform and phone. Policies arranged under delegated authority from insurers. Commission earned as percentage of premium paid by customer, plus contingent income based on meeting insurer targets. Three product tiers: Single Trip, Annual Multi-Trip, and Backpacker/Longstay policies.
2. Optional Add-on Cover: Additional premiums earned from optional policy extensions including winter sports cover, cruise cover, gadget cover, and extended trip duration options.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Travel Insurance 4 Medical is a UK-based specialist insurance intermediary (operating as a trading brand of Rothwell & Towler Ltd, founded 1973) that arranges travel insurance policies for travellers with pre-existing medical conditions. The company sells Single Trip, Annual Multi-Trip, Medical, Backpacker/Longstay, Winter Sports, and Cruise travel insurance, underwritten primarily by White Horse Insurance UK Limited. Its differentiating capability is an in-house medical screening system that enables real-time risk-rated quotes based on how conditions are managed.

Product overview

Travel Insurance 4 Medical offers a modular travel insurance platform with four core product lines (Single Trip, Annual Multi-Trip, Medical, and Backpacker/Longstay) and multiple coverage tiers within each. The Superior/Standard/Economy Extra tiers represent ascending levels of cover for single and annual trips, while Backpacker Lite/Standard/Extra serve extended-stay travellers. Optional add-ons including Winter Sports, Cruise, and Gadget Cover allow customers to customise their policy. All policies include complimentary Sports & Activities cover (150+ pursuits) and medical screening for pre-existing conditions. The company operates as an insurance intermediary (Appointed Representative of Crispin Speers & Partners Ltd) arranging policies underwritten primarily by White Horse Insurance UK Limited.

Differentiator

Problem solved

Functional benefit

Products and services

• Single Trip Travel Insurance

Quantifiable outcome

• Over 50 years of operation since 1973
• +4 more outcomes

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature2 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Rothwell & Towler LtdcoreOthersParent company of Travel Insurance 4 Medical. Founded in 1973 as a small family business. Specialists in providing travel insurance for people with medical conditions. Manages and administers customer data. Trading address: Tourism House, Woodwater Park, Pynes Hill, Exeter EX2 5WS.
• White Horse Insurance Ireland daccoreOthersPrimary insurer for Travel Insurance 4 Medical policies. White Horse Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the FCA (FRN 203320). Covers single trip, annual multi-trip, and backpacker policies.
• Collinson InsuranceminorOthersUnderwriter for Gadget Cover section of policies. Trading as Astrenska Insurance Limited. Authorised by PRA and regulated by FCA (FRN 202846).
• Crispin Speers & Partners LtdcoreOthersPrincipal firm authorised and regulated by FCA (FRN 311507). Rothwell & Towler Ltd is an Appointed Representative of Crispin Speers & Partners Ltd.
• The Oxford Claims CompanyminorImplementation/ SI/ Consulting PartnerClaims administrator for gadget claims. Handles gadget-related claims from Travel Insurance 4 Medical policies. Located at Temple Court Mews, 109 Oxford Road, Oxford OX4 2ER.
• Cega AssistancecoreTechnology or IntegrationEmergency Assistance Service provider for policies purchased after 1st January 2025. Provides 24/7 emergency medical assistance, claim processing, and repatriation coordination. Contact: +44 (0)1733 300 876 or [email protected].
• battlefaceminorStrategic or Co-development PartnerSpecialist insurer partner for customers travelling against government/FCDO advice. Provides travel insurance policies with 24/7 Emergency Travel and Medical Assistance services. Covers baggage loss, hospital benefit, emergency evacuation, medical expenses, trip cancellation and more.
• World First Travel InsuranceminorChannel Partner/ Reseller/ DistributorReferral partner for non-UK residents and customers who may need different medical screening approaches. Customers requiring one-way trips or non-UK resident cover are referred to World First.
• Money & Pensions ServiceminorGTM or Marketing PartnerGovernment-backed service providing directory of medical travel insurance specialists. Travel Insurance 4 Medical is listed in the directory for customers struggling to find suitable cover. Service available at 0800 138 7777.
• British Insurance Brokers' Association (BIBA)minorGTM or Marketing PartnerListed in BIBA's Travel Medical Directory for brokers and customers seeking cover for complex medical conditions.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Saga Travel Insurance: UK over-50s specialist insurer offering travel insurance with medical condition cover as part of a broader insurance portfolio (health, home, car). Larger brand but overlapping product offering for older travellers with medical conditions.
• Aviva Travel Insurance: Major UK general insurer with a travel insurance line that increasingly handles pre-existing medical conditions via online screening. Represents the mainstream-encroachment competitive threat described in the bear case.

Direct peers

• AllClear Travel Insurance: UK's largest specialist medical travel insurance intermediary, directly competing with Travel Insurance 4 Medical on the same primary customer segment (travellers with pre-existing medical conditions), using similar in-house medical screening and a comparable product/underwriter structure.
• InsureandGo: UK travel insurance intermediary that explicitly covers a wide range of medical conditions via an online medical screening engine. Competes in both standard and medical-condition travel insurance segments.
• Staysure: UK specialist travel insurer focused on older travellers and those with medical conditions, offering single trip, annual multi-trip, and cruise cover with medical screening. A scaled direct competitor in the same niche.
• World First Travel Insurance: UK specialist travel insurance intermediary focused on non-standard travellers (existing medical conditions, non-UK residents, one-way trips). Travel Insurance 4 Medical actively refers non-UK resident customers to World First, evidencing direct peer overlap.
• Goodtogoinsurance: UK specialist travel insurance provider targeting travellers with pre-existing medical conditions and older demographics, with comparable product tiers and medical screening capability.
• Free Spirit Travel Insurance: Long-standing UK specialist in travel insurance for people with pre-existing medical conditions and disabilities. Operates with a similar medical screening proposition and product tiering, directly competing for the same niche customer base.

Others

• Medical Travel Compared: UK aggregator and comparison site dedicated specifically to medical-condition travel insurance; routes consumers to specialist providers like Travel Insurance 4 Medical. Adjacent ecosystem player rather than direct competitor.

Emerging players

• battleface: Specialist insurer partner for high-risk and FCDO-advisory travel; Travel Insurance 4 Medical routes customers travelling against government advice to battleface. Comparable niche positioning but focused on extreme-risk geographies rather than medical conditions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/fcotravel
• Facebookfacebook.com/FCDOTravel
• Instagraminstagram.com/travelaware
• LinkedInlinkedin.com/company/travel-insurance-4-medical

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Travel Insurance 4 Medical