A terminal prognosis is when your doctor or consultant advises that your medical condition cannot be cured or adequately treated and that your life expectancy has been shortened.
What this article helps you do
This article explains what a terminal prognosis means for your travel insurance and what you need to tell us before you travel.
What does a terminal prognosis mean for my travel insurance?
If you or anyone insured on your policy has been given a terminal prognosis, you must tell us.
We may still be able to provide cover where:
- your GP or medical practitioner confirms that your prognosis is not less than six months from your planned return date
- your GP or medical practitioner confirms that you are fit to travel
- you have told us about the terminal prognosis and provided the medical information requested
Cover remains subject to the terms, conditions and exclusions of your policy.
What if I am unsure whether my condition is terminal?
Whether a condition has a terminal prognosis is a medical decision.
If you are unsure, speak to your doctor, consultant or medical practitioner. They can confirm your diagnosis and prognosis.
We cannot determine whether your condition is terminal or provide medical advice.
What should I do next?
If you or anyone else insured on your policy has been given a terminal prognosis, speak to an adviser before you travel.
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.
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