Yes. You can still get Cruise Cover if you have pre-existing medical conditions, but you must tell us about all of your medical conditions during the quote process.
What this article helps you do
This article explains what you need to tell us about your health when arranging travel insurance with Cruise Cover.
What you need to declare
If you have a pre-existing medical condition:
- declare all medical conditions when getting your quote
- answer all medical questions fully and accurately
- tell us about any relevant symptoms or changes in your health
- make sure any condition or symptom that needs to be assessed has been diagnosed
- check that any medical conditions you have declared have been accepted where required
We will not cover claims associated with pre-existing medical conditions that you did not disclose to us and that we did not accept in writing.
What if my condition or symptoms have not been diagnosed?
We are unable to provide medical travel insurance cover unless all relevant conditions or symptoms have been diagnosed.
If you are waiting for a diagnosis or investigation, speak to an adviser before arranging your cover.
What if my health changes after I buy my policy?
You must tell us if you or anyone covered by the policy develops a new medical condition, has a change to an existing condition, or has a change in medication.
You should also consult your medical practitioner and check that you are fit to travel.
Before you travel
Check that:
- all relevant medical conditions have been declared
- the information you provided is still accurate
- any required medical screening has been completed
- Cruise Cover has been added to your policy where required
- Cruise Cover is shown on your Policy Schedule
Speak to an adviser if you are unsure whether you have told us everything we need to know.
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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