If you or any of your travel party have a pre-existing medical condition, you can find an insurance policy that offers suitable cover by declaring this during our quote process.
Taking out a policy that covers you for pre-existing conditions means that if you fall ill while on holiday and need emergency treatment or hospital care related to your condition, subject to the conditions of the policy and any excesses, the cost would be covered.
Some common conditions include:
- Respiratory conditions (relating to the lungs or breathing)
- Any heart, kidney, liver, circulatory or cerebral conditions
- Stroke or central nervous system disorder
- Cancerous conditions
- Terminal conditions
- Psychological conditions (diagnosed or treated)
- Prescribed medication, received treatment or had a consultation (within a given period of time)
Many standard travel insurance policies exclude those with an existing condition such as those listed above. If you choose to take out a standard policy without telling the insurer about an existing condition and then go on to make a claim relating in any way to an undisclosed condition, your claim may be refused and the policy could become invalid.