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

Yes - you must inform us if the health of any traveller changes. We would need to know before the start date of your Single Trip policy, or before you next travel on your Annual Multi-Trip policy.

Changes which we need to know about are:

1. new or altered prescription medication
2. the deterioration of a previously stable condition
3. referrals to a consultant/specialist
4. the investigation of an undiagnosed condition
5. if a traveller is awaiting results, treatment, or surgery

We will then let you know 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. What is a pre-existing medical condition?
2. Do you insure people with pre-existing medical conditions?
3. What does exclusion mean?
4. Am I insured to travel if I'm pregnant?
5. Can I take out insurance if I am currently under investigation for an illness?
6. If my insurance is refused due to my pre-existing medical condition, can I still take out travel insurance?
7. Do I need to declare depression or anxiety?
8. Do I have to pay my medical bills abroad?
9. What is a medical screening?
10. Am I able to exclude cover for medical conditions?