Covering Your Medical Conditions

To be covered for planned procedures, the Medical History question "Have you been currently put on a waiting list for treatment or investigation?" must be answered as "yes". The medical condition for which the procedure is planned must also be declared on the policy.

If anything changes for this (or any other) medical condition after you buy your policy and before the start of your trip, you must contact your insurance provider as it may affect your policy.

You would not be covered if you are given dates for the procedure which are during your trip.

If you are going to require treatment for an undiagnosed condition, we would be unable to offer a quote for cover. We can only offer quotes based on you having a confirmed diagnosis at the time of getting a quote.

The quotes we provide always include cover for your declared conditions. We don't offer an option to exclude some or all pre-existing medical conditions.

Failure to declare or withhold your pre-existing medical conditions, when taking out your policy, could result in your insurance to become invalid.

We are not able to provide any cover if you or any travellers on the policy have an undiagnosed medical condition which is under investigation.

We class elective procedures as surgery that is scheduled in advance because it does not involve a medical emergency. The answer to your question will be different depending on the particular circumstances.

If you answer Yes to the Medical history question, "Are you on a waiting list for treatment?" a small number of insurance providers will offer quotes for this situation and it should be declared on your policy. Please be sure to contact your insurance provider, to confirm what is included in your cover for the procedure as this will vary.

There are circumstances where elective surgery would not be covered by your policy. If the procedure is not a result of a disease, illness or injury (i.e. not a pre-existing medical condition) that would not be covered.

 An example of that might be cosmetic surgery. However, if you are awaiting cosmetic surgery which is required as a result of a pre-existing condition, some insurance providers may offer cover, please contact them to discuss this.

If you are travelling abroad to have medical treatment, including cosmetic surgery cover is generally excluded from policies for that.

Not always, the term waiting list will only apply if you are awaiting investigations or treatments. A booked appointment for something routine, such as a chiropractor appointment would not count.  

If you have a fixed date for your treatment, but the treatment has not yet been carried out, you should answer "yes" to the medical history question asking if you are currently on a waiting list for treatment or investigation.

The medical history questions should be answered based on the date you get your quote. When you move on to declare your conditions, we may ask you some follow-up questions to get a better idea of how you are/were affected.

When you are declaring your condition, you may be asked about unplanned hospital admissions in the follow-up questions. A trip to A&E is only classed as a "hospital admission" if you are admitted to the hospital as a result of that visit to A&E.

If you are well enough to go home after you visit A&E, this would not be classed as an unplanned hospital admission. You would still be required to declare the condition that required the trip to A&E.

The insurance provider will want to ensure your condition is stable before offering a 12-month policy.

Annual Multi-Trip cover is unlikely to be available if you are:

➡️ Recently diagnosed

➡️ Recovering from surgery

➡️ On a waiting list for treatment

➡️ Under medical investigation

Note: The providers will require you to inform them of any changes to your health or medication. Failure to report any changes to your medical conditions could invalidate your policy.

Our panel of insurance providers are able to cover a wide range of medical conditions. Our online medical screening makes it easy to declare your medical history whilst maintaining your privacy.

Once you've disclosed your medical conditions, we will then show you all the providers who can provide cover for your declared conditions. 

You must inform your insurance provider of any changes in your health. You should contact them directly to discuss this.

Not doing so may affect your policy and result in claims being rejected.

An ongoing medical warranty means that you must contact your insurer of any changes to your medical condition. Failure to report any changes could invalidate your policy.

When you are travelling abroad for treatment, the provider is not likely to offer cover for this. Given that there would be a much higher risk than normal, there will generally be an exclusion in the cover if you are to have treatment abroad.

You must be fit to undertake your planned trip and you must not travel against medical advice.

Cover will only be provided for pre-existing conditions that you have declared and which your insurance provider has confirmed to you in writing.

Cover will not be provided for the intention of obtaining medical treatment or consultation, whilst abroad. 

Travel insurance policies exclude protection for medical conditions where treatment or surgery is pending.

To obtain a policy, it is best to apply for travel insurance once the procedure is complete and the doctor has signed you off.