A pre-existing medical condition is a disease, illness or injury that meets certain medical criteria in the two years before you buy your travel insurance.
What this article helps you do
This article explains what we mean by a pre-existing medical condition, what medical information you need to declare and what happens after medical screening.
What counts as a pre-existing medical condition?
A disease, illness or injury is considered a pre-existing medical condition if, in the last two years, you have:
- taken prescribed medication or required medical treatment
- consulted a medical practitioner
- been registered as an inpatient or outpatient
What medical information do I need to declare?
You must tell us if you or anyone else insured on the policy has:
- taken prescribed medication or required medical treatment within the last two years
- been registered as an inpatient or outpatient at a hospital, clinic or GP surgery within the last two years
- been advised of a terminal illness
Undiagnosed conditions cannot be covered.
If you are unsure about a diagnosis or what medical information you need to declare, please speak to an adviser.
What happens after I declare my conditions?
Your medical screening will determine whether your declared pre-existing medical conditions can be covered.
If your medical conditions are accepted for cover, check that they are correctly recorded in your policy documents.
You must provide complete and accurate medical information.
What if my health changes after I buy my policy?
You must tell us if you develop a new condition, an existing condition changes or your medication changes.
Check your policy documents to make sure the pre-existing medical conditions shown as covered are correct.
Still need help?
Speak to an adviser if you are unsure what medical information you need to declare.
Eligibility, terms and exclusions apply. Please refer to your policy documents for full details.
This information is for general guidance and does not constitute medical advice.
Updated