Do I need to tell you about any changes in health?
Yes - keeping your medical information up to date helps ensure your cover remains valid and avoids any issues in the event of a claim.
Please check your Policy Schedule, and if there are no changes to your medical details, no further action is needed.
If your medical information has changed since you bought your policy, you need to let us know before you travel.
What medical changes do I need to tell you about?
Please get in touch with us if you have:
- Started taking new medication
- Been diagnosed with any new medical conditions
- Received a terminal prognosis or you are now receiving palliative care
- Been referred to hospital or placed on a waiting list for further tests or treatment
- Planned new surgery, even if it seems minor
- Had tests or investigations for undiagnosed symptoms or conditions
Most changes can still be covered under your Policy as long as we’re informed. Not telling us could invalidate your cover in the event of a claim.
How to update my medical information?
Please call our Customer Service Team on 01708 339 029.
Opening times can be found here.
Is there an admin fee for updating my Policy?
Yes. An administration fee of £15 will apply when updating your Policy, including changes to medical details or travel dates. However, this fee is not charged if the changes are made within 14 days of purchasing the Policy (the cooling-off period).
The fee will always be confirmed before any changes are finalised.
Will there be an additional premium if I update my medical details?
An additional premium may apply if the medical update results in changes to the level of risk covered by the Policy. Any additional premium will be advised before your Policy is updated.
Do I need to let you know if I’m waiting for test results or a diagnosis?
Yes. If you are undergoing tests or investigations for symptoms that have not yet been diagnosed, this must be declared, even if a diagnosis has not been confirmed.
What happens if I forget to update my medical information before I travel?
Not informing us of a change in your medical circumstances may affect your cover. If a claim arises and the medical information is found to be outdated or incomplete, the claim could be denied.