Having preexisting medical conditions doesn’t stop you taking a policy that covers cruise trips. Cruises are covered as standard on Platinum, or Gold Plus if you’ve paid the additional Cruise premium. Medical-related cover depends on what you’ve declared and we’ve accepted with your Cruise cover attached to your policy.
Policy eligibility:
- Silver/Gold: cruises aren’t covered.
- Gold Plus: cruise trips are covered only if you’ve paid the additional Cruise premium.
- Platinum: cruise trips are covered.
If you have an eligible policy:
- Declare all preexisting medical conditions: we cover claims related to conditions you disclosed and we accepted in writing.
- Undeclared conditions aren’t covered: claims linked to conditions you didn’t disclose (and we didn’t accept in writing) aren’t covered.
- You must answer accurately: your policy and quote are based on the answers you provide, and incorrect information could affect a claim.
- Check your schedule: Cruise Cover (and other paid upgrades) must be on your policy schedule—except Cruise Cover is included with Platinum as standard.