A condition is undiagnosed if symptoms persist without a known cause despite tests or treatment. Insurance does not cover undiagnosed conditions, and failure to provide accurate health information may invalidate coverage and claims. You must inform the insurer of any new symptoms, health changes, or medical investigations, and consult your GP for guidance. Disclosure of new conditions, medication changes, or waiting lists affecting travel is required. Eligibility and exclusions apply per policy documents.
A condition is considered undiagnosed if there is an ongoing symptom with an unknown cause where you are receiving tests, treatment or ongoing investigations.
We are unable to cover undiagnosed conditions. If you do not provide full and accurate information before you take out the insurance or when circumstances change, your cover could be invalid, and any claim may be rejected.
You will need to inform us of any new symptoms, illnesses, injuries, or other changes in your health. If you are unsure what your symptoms mean, whether they are linked to an existing condition, or whether they count as a change in your health, speak to your GP or medical practitioner and contact us for guidance.
What to do if you’re having investigations, your health changes or you're unsure how to declare your condition
You must tell us and consult your medical practitioner if you (or anyone insured on the policy) develop a new condition, have a change to an existing medical condition, or have medication changed or amended.
You must also disclose if you (or anyone insured on the policy) have been placed on a waiting list that could cause you to cancel or cut short your trip.
Eligibility, terms and exclusions apply. Please refer to your policy documents for full details.