Pre-Existing Medical Conditions

Do you have a Pre-Existing Medical Condition?

In the six months prior to or following your travel insurance application, 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 may have a Pre-Existing Medical Condition.

Please read the information below to find out how to apply for cover for your Pre-Existing Medical Condition.

There are some conditions that are not considered to be Pre-Existing Medical Conditions for travellers under 70 years of age, please read below.

Pre Existing Medical Conditions for anyone under 70 years of age

In the 6 months prior to or following this travel insurance application, 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 your answer is "Yes" to any of the above questions, you may have a Pre-Existing Medical Condition.

Note to all Travellers:
The following conditions are not considered to be Pre-Existing Medical Conditions:

 

  • Asthma - providing that you are less than 60 years of age, have no other lung disease, and there has been no exacerbation requiring treatment by a medical practitioner in the last 12 months.
  • High Blood Pressure/Hypertension - provided you do not also suffer from a known Cardiovascular disease and / or diabetes.
  • HRT/Menopause Syndrome - for menopausal symptoms only [Note: Osteoporosis is deemed to be a Pre-Existing Medical Condition]
  • Ear Grommets - provided these have not been inserted and have not required antibiotics within the last 2 months
  • Cataracts - provided you have not required surgery within the last 2months and are not on a medical waiting list
  • Hay Fever - provided you have not required antibiotics or seen a doctor for hay fever within the last 3 months
  • Hypercholesterolemia (high cholesterol) - provided you do not also suffer from a known Cardiovascular disease and / or diabetes.
  • GORD/Gastric Oesophageal Reflux Disease (Indigestion) provided this is controlled with regular medication
  • Hypothyroidism, Goitre, Hashimoto's Disease, Thyroid deficiency - provided this is controlled with medication.