Pre-Existing Medical Conditions
A Pre-Existing Medical Condition is classified as:
In the 31 days prior to you applying for this insurance, or to your next trip, have you had any illness, injury or condition which:
- You are aware of
- You have taken medication for
- You have received treatment, check-ups or medical advice for
If you answer 'Yes' to any of the above questions, you have a Pre-Existing Medical Condition - please contact our Medical Consultants on 0800 65 77 44 to have your condition(s) covered. You will be given an authority number showing acceptance of your medical condition. There is a surcharge for this cover.
Please note cover may be declined or special acceptance terms may apply to some conditions.
Important note: There are some conditions we can not cover.
- No cover for pregnancy after 24 weeks
- No cover available for terminal conditions
- No cover for pre-existing psychosomatic, psychological, psychiatric, mental disorders, anxiety, depression, stress, dementia, or insanity
- No cover for sexually transmitted diseases, AIDS/HIV
- No cover for alcohol or drug abuse related illnesses
- No cover if you are travelling against medical advice, or you are travelling to seek treatment
- No cover for any condition you are under investigation or on a waiting list for.