Should I notify you if my medical conditions have changed since taking out my policy with you?

If you have bought an Annual Multi-trip policy and after you have paid your insurance premium you are diagnosed with a heart condition, a circulatory condition, a respiratory condition, cancer or if you receive inpatient medical treatment or if you are placed on a waiting list for investigation or medical treatment, you must contact Direct Travel Insurance Customer Services by phoning 0845 605 2500.

By declaring details of your change in health, this will enable us to decide whether we can continue to provide cover for your change in circumstances under the existing terms of the policy. We have the right to charge an additional premium to allow cover to continue, add further terms and conditions to your policy or exclude cover for the newly diagnosed condition. This would only apply to trips that you are booking after the on set of the new medical condition.

If you have bought a Single Trip or Backpacker policy and after you have paid your insurance premium you are diagnosed with a heart condition, a circulatory condition, a respiratory condition, cancer or if you receive inpatient medical treatment or if you are placed on a waiting list for investigation or medical treatment, you do not have a duty to contact Direct Travel Insurance Customer Services, however they may be able to offer advice as to what cover is provided by the policy.

Provided you were not aware of the new medical condition and you did not know that you would need to receive medical treatment or undergo investigations at the date you paid your insurance premium, cover will continue under the existing terms of the policy. However, if you are no longer able to travel on your forthcoming trip due to your change in circumstances, you would be entitled to make a cancellation claim for your costs which cannot be recovered from elsewhere. Please see your policy wording for full details.