Yes, we can provide cover for pre-existing medical conditions, but only if you tell us about them and we accept them in writing.
What you need to do
Medical screening
Answer the questions honestly and accurately.
If you are unsure
Tell us if you do not understand a question or you do not know the answer.
What you must disclose (last 2 years) if it applies to you or anyone insured
Medication or care
Taken any prescribed medication, received medical treatment or advice (including hospital, clinic, GP surgery, or remote consultation), or received or been offered palliative care.
Waiting lists
Been placed on a waiting list that could cause you to cancel or cut short your trip.
Terminal illness
Been advised of a terminal illness.
What’s important to know
Pre-existing medical condition claims
Only covered if the condition was disclosed and accepted by us in writing.
Undiagnosed conditions
Not covered.
If information changes
If you do not provide full and accurate information, or your circumstances change, you must tell us immediately as this will effect your cover.
What is considered a change in your state in health (you or anyone insured)
New condition
You develop a new condition.
Existing condition
You have a change to an existing medical condition.
Medication
You have a change in medication.
What to do
Inform us and consult with your medical practitioner.
Updated