We answer questions about medical conditions on travel insurance.
If you have a medical condition you should declare this to your insurer – known as Pre-Existing Medical Condition
What is a Pre-existing medical condition?
This will be defined in your policy wording that you receive from your insurance provider and can be different depending on the insurer.
It can be ANY condition you have ever had, or can be something that you have received treatment or medication for / seen a physician about within a certain time period, which will be defined by your insurance.
Some insurances do not cover ANY pre-existing medical conditions. Others may accept them if they have been declared by calling a medical screening line so be sure to check BEFORE you travel if you need to let your travel insurance company know about the condition to see if the condition/s can be accepted for cover whilst you are traveling.
There are also some insurances that will cover a certain list of conditions and this would be detailed in your policy wording.
You may have a question about policy excess, activities or sports, free treatment abroad, reciprocal health agreements , flight cancellations or delays, lost luggage and how to claim. Have a look through our pages, and complete the contact form, if you have a question that has not been answered.