- Start with your policy schedule: This lists the pre-existing medical conditions you’re covered for (and other key details).
- Find the right section: Use the contents page to locate the section that best matches what happened.
- Check the green and red headings from the policy wording: “You are covered” is highlighted in green, and “You are not covered” is highlighted in red (with conditions highlighted in orange).
- Remember the policy-wide rules: The wording explains that general conditions and exclusions apply to all sections, and anything not specifically stated as covered is excluded.
- If you have Silver: Read the “What you need to know” box early on, as Silver cover is more limited than standard travel insurance.
Please refer to your Policy Wording document you can find here