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Automatically Covered Pre-Existing Medical Conditions

You do not need to call the Medical Screening Service in respect of the following Automatically Covered Medical Conditions as they will be covered for no additional premium provided that you do not also have a pre-existing medical condition which is not listed below. If you have a pre-existing medical condition in addition to any of the following Automatically Covered Medical Conditions you must follow the health declaration below and contact the Medical Screening Service on +44 (0)330 660 0563 if you answer YES to any of the questions.
 Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment in the last 2 years, Allergic rhinitis, Alzheimer’s Disease, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpel tunnel syndrome, Cataracts, Chicken pox (if completely resolved), Cholesterol Hyper/Hypo, Coeliac Disease, Colour Blindness, Common cold or flu, Cuts and abrasions (that are not self-inflicted and require no further treatment), Cystitis (providing there is no ongoing treatment), Deafness/ Impaired Hearing, Diabetes (controlled by diet or tablets only) Diarrhoea and vomiting (if completely resolved) Downs Syndrome, Dyspepsia, Eczema, Enlarged prostate (benign only), Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, HRT, Hyperlipidemia, Indigestion, Irritable Bowel Syndrome, Lichen Planus, Ligament or tendon injury (provided that you are not currently being treated), Macular degeneration, Melanosis, Mentally Disabled, Menopause, Migraine (providing there are no ongoing investigations), Nasal polyps, Night Blindness, Parkinson’s Disease, Physically Disabled, PMT, Psoriasis, Raynaud’s Syndrome, Rhinitis, Rosacea, RSI, Sinusitis (providing there is no ongoing treatment), Skin or wound infections (that have completely resolved with no current treatment) Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs, and Vertigo.
If any of the following apply to you, a travelling companion, an immediate relative, close business associate or someone upon whom your trip depends (that you are aware of, whether they are travelling with you or not), the Medical Screening Service must be contacted on +44 (0) 330 660 0563.
1.     You/they were aware of any reason why the trip could be cancelled or curtailed or of any medical condition, which could result in a claim.
2.     You/they have, during the last 24 months before this insurance started, suffered from or received treatment, advice or medication for any chronic ongoing or recurring illness or condition (A chronic condition is one lasting three months or more).
3.     You/they were travelling against the advice of a medical practitioner or in order to get medical treatment abroad.
4.     You/they have been diagnosed as having a terminal illness.
5.     You/they were receiving, recovering from, or on a waiting list for in-patient treatment in a hospital or nursing home.
6.      You/they were waiting for the results of tests or investigations, or awaiting a referral for an existing medical condition.
Failure to contact us could leave you with no right to make a claim, and may mean that you travel with insufficient cover.
If there is any change to a pre-existing condition or if any of the reasons stated above occur between the date the Certificate wording is issued and / or before the first day of your trip, you must notify the medical assessors immediately on +44 (0) 330 660 0563.

We will then decide if we can provide you with cover on existing terms. We may ask you to pay an additional premium or add special conditions to the policy.  If we cannot provide cover, or if you do not want to pay the additional premium, you can make a cancellation claim if you have booked and paid for a trip that you have not yet made. Alternatively you can cancel your policy and we will send you a pro rata refund.

We reserve the right not to extend this insurance if deemed necessary by us, where the booked trip could be detrimental to your well-being.

Failure to contact us could leave you with no right to make a claim and may mean that you travel with insufficient cover.