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.

Information for Travellers aged 70 years and under

Travelling to Australia, New Zealand and the South Pacific Islands?

Your Pre-Existing Medical Condition can be automatically covered provided you are fit to travel, the condition is declared on the application form, and the $50 surcharge is paid. No medical certificate is required.

Travelling to the Rest of the World?

Please contact Mike Henry Travel Insurance for an assessment on 0800 657 744. In some cases we may require a medical certificate to be completed by your doctor.

NOTE: Cover may be declined or special acceptance terms may apply.

Information for Travellers aged 71 years and over

Irrespective of your destination or medical condition it is compulsory that you call Mike Henry Travel Insurance on 0800 65 77 44 for approval before your policy can be issued.

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.