If you are not well enough to travel, check whether you are fit to travel by speaking to a medical practitioner if needed, and tell us before you start your holiday. If you travel when you are not fit to travel, claims relating to any medical condition or disability will not be covered.
What this article helps you do
This article explains what to do if your health changes before your holiday, or if you are worried you may not be fit to travel.
Applies to
- Policy: All policies
- Trip type: Before your holiday starts
- Who it applies to: Anyone named on the policy
- Prerequisite: You need to be fit to travel before starting your holiday
- Not included if: Cancellation information only applies where your policy includes cancellation cover
Quick answer
- Check whether you are fit to travel before you go.
- Speak to a medical practitioner if you are unsure.
- Tell us before you travel if your health changes.
- This includes a new condition, a change to an existing condition or a change in medication.
- Do not travel if you are not fit to travel. If you travel anyway, claims relating to any medical condition or disability will not be covered.
- If your policy includes cancellation cover and you need to cancel for medical reasons, keep medical evidence.
- Speak to an adviser if you are unsure what to do next.
What “fit to travel” means
Fit to travel means you, and your medical practitioner if consulted, would reasonably expect you to be well enough to complete your holiday without needing medical assistance or treatment.
This includes your general health, any pre-existing medical conditions, your destination, trip length, travel method and planned activities.
Before you start
Tell us before you travel if:
- you develop a new condition
- an existing medical condition changes
- your medication changes
Steps to take if you are not well enough to travel
Before starting your holiday, check whether you are fit to travel and tell us about any health changes that could affect your policy. Do not start your holiday if you are not fit to travel, as claims relating to any medical condition or disability will not be covered.
- Check your policy documents and schedule.
Make sure your medical details are correct. - Speak to a medical practitioner if you are unsure whether you are fit to travel.
Keep any written evidence they provide. - Tell us about the health change before you travel.
We may need to review your policy. - If your policy includes cancellation cover and you need to cancel for medical reasons, tell your travel provider as soon as you know.
Keep cancellation invoices, unused travel documents and medical evidence. - If you cannot confirm what to do next, speak to an adviser.
- If you are unsure about anything relating to your health, speak to your GP or medical practitioner.