Yes, we may be able to provide cover for pre-existing medical conditions, but only if you tell us about them and we accept them in writing.
What you need to do
To help make sure cover isn’t put at risk, you must take reasonable care to answer the medical screening questions honestly and accurately and tell us if you don’t understand a question or don’t know the answer.
You must disclose if you (or anyone insured) have, in the last two years:
- Taken any prescribed medication, or received medical treatment or advice (including hospital, clinic, GP surgery, or remote consultation), or received/been offered palliative care
- Been placed on a waiting list that could cause you to cancel or cut short your trip
- Been advised of a terminal illness
What’s important to know
- Claims relating to pre-existing medical conditions are only covered if the condition was disclosed and accepted by us in writing.
- If you don’t provide full and accurate information, your cover could be invalid and a claim may be rejected.
If your health changes before you travel
You must inform us and consult with your medical practitioner if you (or anyone insured):
- Develop a new condition
- Have a change to an existing medical condition
- Have a change in medication
You must contact us as soon as possible and before you book or start your journey.