Pre-existing medical conditions

These are defined as:

  1. Any physical defect, infirmity, existing or recurring illness, Injury, disability or Mental Illness of which you, or the person due to whom You are claiming, are aware of; or 
  2. Any medical condition for which You, or the person due to whom You are claiming have had or received a medical examination, consultation, treatment, investigation and/or medication in the last 12 months prior to the date Your policy is issued.

Customers who have a pre-existing medical condition

If you have a pre-existing medical condition please contact our medical team to assess the medical condition/s by answering our assessment questions. In the event that cover is not automatically provided under your policy you can apply for cover for the condition/s. Please note that a fee will be charged if cover for the pre-existing condition is approved.

Medical assessment line

To contact us directly please contact 0800 100 124 for assistance.

Additional Terms and Conditions

Please note that for some medical conditions of a more serious nature, extra terms may be applied to this policy.

If your condition is not accepted

If a pre-existing condition is not accepted, then only that condition will be excluded from the Travel Insurance policy, and the customer does not have to pay the pre-existing fee.