Pre-existing Medical Conditions

What is a Pre-existing medical condition?

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 12 months prior to the date your policy is issued.

Am I Automatically Covered?

It is important to understand that Pre-existing medical conditions may not be covered under your policy. Certain Pre-existing medical conditions are covered automatically within certain criteria for travellers who are insured under the Comprehensive and Frequent Traveller policies only. Cover for conditions outside of those listed in Section 2 may be available following a medical assessment. Please note that no cover for Pre-existing medical conditions is available under the Essentials policy.

Click here for our Policy Wording.

If you have any queries on this, you can contact our support team on 0800 553 550.

As part of our online purchase process you will be asked if anyone travelling on the policy have any Pre-existing conditions. If you answer ‘Yes’ you will be prompted to complete an online medical assessment and our system will automatically review the answers you provide. It’s very straightforward and designed to make the assessment as effortless as possible.

I’m Having Trouble with the Online Assessment

If you need any assistance you can call our medical hotline on 0800 553 550.