Pre-Existing Medical Conditions

You should declare the condition that required the procedure/operation. We will then ask about any treatments in the follow-up questions if this information is necessary.

If there has been a confirmed diagnosis and you are under further investigation you should declare the condition on your policy.

If you currently have an undiagnosed medical condition which is under investigation, we are unable to provide a quote.

If you have a diagnosed medical condition and are awaiting further investigation or treatment you should:

• Answer "yes" to the medical history question asking if you are currently on a waiting list for investigation or treatment.
  
  
• Declare the medical condition, to us.

Not all our insurance providers will offer cover if you are on a waiting list for treatment or investigation, but you should still receive a selection of policies for your consideration.

If you are currently under investigation for a condition that does not have a confirmed diagnosis, we would be unable to offer you a quote at this time.

Pregnancy and childbirth are not classed as pre-existing medical conditions and don’t have to be declared on your policy.

Complications of pregnancy like gestational diabetes or gestational hypertension would normally automatically be included as they have been caused by the pregnancy and would not otherwise have occurred.

To ensure your provider will cover these, you can proceed to the payment page so the provider will be able to see your quote. You can then call and confirm this before completing the purchase.

If you have a diagnosed condition where no treatment is required, but you do continue to have scans or check-ups to monitor that condition, the condition should be declared on your policy.

The medical history questions ask if you have attended a medical practitioner’s surgery or attended a hospital or clinic as an outpatient in the last 2 years. You would answer "yes" to at least one of these if you have regular monitoring.

This will then allow you to declare your condition.

Our medical screening system can recognise a variety of names and spellings for most medical conditions.

Initially, please try alternative spellings for the condition or type part of the condition name and have a look at the list of conditions that are presented to you.

It’s important to make sure you find the correct medical condition, as it may affect your cover.

If it still doesn’t appear or you aren’t sure, our support team will be happy to help you. You can chat with us online now (see the chat icon in the bottom right of your screen), or contact us. 

A pre-existing condition is a diagnosed medical condition that existed before taking out a policy.

We ask a series of questions about your medical history. If you answer "yes" to any of those for a condition, it is classed as a pre-existing condition.

You must inform us if you, or anyone to be named on the policy has any pre-existing medical conditions.

Online medical screening is the name of the process you go through when declaring your conditions. Our online medical screening journey is designed to make it easy to declare your medical history while maintaining your privacy.

Your answers are completely confidential, and you only need to fill it out once.

You can declare your conditions one at a time and we may ask you a few follow-up questions to get a better understanding of your condition(s) to ensure we get the best understanding of your circumstances.

A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer "yes" to any of these, you will need to tell us about the traveller's conditions.

This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

Travel insurance for pre-existing medical conditions only applies to the travellers insured on the policy.

Should a close family relative become unwell, causing you to cancel or cut your holiday short, you may be able to claim. Check your policy wording to confirm. 

Yes, we'll need to know if you or any traveller on your policy has ever suffered from a diagnosed psychiatric condition.

This could be a condition that is present now or a condition that you've had in the past and have made a full recovery from. But don't worry, we'll ask you a set of questions relating to your condition to take your individual circumstances into account.

No, after you've declared your medical condition using our online screening tool - you are done! There's no need to confirm your conditions in writing with your insurance provider.

The only time you may have to provide written evidence is in the event of a claim, but your provider will advise if and when this is required. 

It's really simple and quick to do!

After you've told us about your cruise details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller.

You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.

Medical expenses abroad and repatriation can be very expensive. Having travel insurance that includes cover for existing medical conditions, is the best way to ensure you are protected from financial loss in the event of having to cancel or receive emergency medical treatment abroad.