Do I need to let you know if my health has changed since purchase?

Yes. You must inform us as soon as the health of any traveller changes. We would need to know before your single trip, or before your next holiday on an annual multi-trip policy commences.

The changes you need to report include:

1. New or altered prescription medication
2. The deterioration of a previously stable condition
3. Referrals to a consultant or specialist
4. Awaiting test results, an operation or procedure
5. The investigation of an undiagnosed set of symptoms

Once you’ve let us know, we can then decide whether or not your policy needs amending, and if there is an additional premium to be paid. If we cannot cover your condition(s), or you do not want to pay the additional premium, we reserve the right to:

1. Consider a cancellation claim for pre-booked trips
2. Exclude medical conditions from cover
3. Cancel the policy and provide a proportionate or partial refund (provided there are no claims made or pending)
4. Cancel the policy without a refund
5. Withdraw your insurance cover

1. Do you cover pre-existing medical conditions?
2. What is a pre-existing medical condition?
3. What is a medical screening?
4. What happens if I'm on a waiting list?
5. Can I exclude some, or all, of my medical conditions?
6. What happens if I don't declare my medical conditions?
7. Can I get insurance if I’m pregnant?
8. Will you cover me if I'm going abroad for treatment/surgery?