Existing Medical Cover

If you are applying for an International travel plan you must tell us if you or anyone in your travelling party has a High Risk existing medical condition or requires cover for any other existing medical condition other than those automatically covered, or if anyone in your travelling party is 70 years or over, regardless of health.

If you are applying for a Frequent Traveller travel plan you must tell us if you or anyone in your travelling party has a High Risk Existing Medical Conditions (EMC) or requires cover for any other existing medical condition other than those automatically covered.

If you do not tell us about an existing medical condition other than those automatically covered for you or anyone in your travelling party there is no cover for any existing medical condition. To apply for cover ask our representative for a Travellers Medical Appraisal Form which must be completed and submitted with your Application Form, for appraisal, via our representative, before the Certificate of Insurance can be issued. If your application is approved you will be advised of any restrictions or excess that may apply and asked to pay any additional premium.

An existing medical condition is-

a.   any chronic or on-going (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, or which is medically documented within the last 12 months or under investigation in the 12 months prior to the issue of the Certificate of Insurance; or

b.   any physical, mental illness or medical condition (including pregnancy), defect, illness or disease of which you were aware or should reasonably have been aware, or for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 60 days prior to the issue of the Certificate of Insurance and in the case of the Annual Multi Trip Travel Plan also within 30 days prior to booking any trip.

You can download a Travellers Medical Appraisal Form or you can opt to electronically complete the form online when submitting your application for travel insurance - for assistance please contact us or call 0800 EASY TI that's 0800 327 984