Travel Insurance: What are Pre-existing Medical Conditions?

Tips & guides

20 March 2018

We can cover many pre-existing medical conditions. If you have a pre-existing medical condition or illness, make sure you tell us when you purchase your travel insurance. If in doubt, declare it.

Watch our video below to find out more about pre-existing medical conditions.

Mustn’t forget...Tickets, Passport, Money, Pre-existing medical conditions

There are many medical conditions which are routinely managed, or alleviated, using medicines and other forms of treatment.

Indeed, some conditions are controlled so successfully and have such a minimal effect on lifestyle that it’s possible to forget they exist!

High blood pressure, respiratory problems, raised cholesterol and inflammation of joints are typical of the many medical conditions which are lived with on a day-to-day basis. Which may explain why some people forget to declare them or consider them too trivial to mention when applying for travel insurance.

But we still need to know about them

You also need to tell us about any injuries, medical problems or surgical procedures that you’ve had in the past — even if you believe they’ve been dealt with and no longer have any effect on your life.

And last of all, you should also mention any forthcoming tests and investigations or a medical condition which you know will need treatment but is not currently being treated.

The fact is, any health issues you have before you travel, travel with you!

In insurance terms, they’re known as ‘pre-existing conditions’.

Pre-existing conditions are diseases, injuries or illnesses or that you’ve had in the past or you know are in existence when you insure with us.

Our comprehensive drop down list of conditions helps you remember the names of any you may have.

What it boils down to is this: if in doubt, DECLARE

If you forget or choose to overlook something, you may not be covered should you need healthcare while travelling.

We hope you found this explanation helpful but if you need further clarification, please call us on 0330 024 1307* — we’ll be delighted to assist!

*Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm, Sunday 9am to 3pm and Bank Holidays 10am to 4pm.