Pre-existing Medical Conditions


pre-existing medical conditionLike most travel insurance policies, pre-existing medical conditions are excluded, which means that we will not pay for a claim related to these conditions. However, there are certain conditions that we are able to include automatically as described below. If you have a condition that is not included in the list you can still buy the policy but on the understanding that there is no cover for that condition. Click here to get a quote and then the buy button on the quote page. This will give you a new page with the relevant questions about your health.


There is no cover for any loss you may suffer as a result of any pre-existing medical condition as detailed below:

Any dental or medical condition, defect or disease suffered by you, your travelling companion, any close relative or any other person upon whose state of health the trip depends:

1. for which advice or treatment (including prescribed medication), or investigation has been received or prescribed in the 12 months prior to the issue of the policy;

2. of which you are aware or could reasonably be expected to be aware at the time of applying for insurance; and / or

3. is of a recurring or an ongoing nature or any complication directly attributable to the condition.

Notwithstanding the above, there are certain Pre-existing Medical Conditions that we are able to cover automatically without referral. Please refer to the list below.

You are automatically covered if your pre-existing medical condition is described below, provided you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the past 24 months.
  • Acne
  • Allergic Rhinitis
  • Anaphylaxis
  • Asthma - with no other chronic lung disease
  • Bee Sting Allergy
  • Bells Palsy - idiopathic Benign Breast Cysts
  • Benign Renal Cysts
  • Bunions
  • Cataracts
  • Chronic Sinusitis
  • Congenital Blindness
  • Congenital Deafness
  • Dermatitis
  • Diabetes Mellitus (Types I and II) - providing you were diagnosed over 12 months ago and you do not also suffer from a known cardiovascular disease, hypertension or hyperchilesterolaemia.
  • Dry Eye Syndrome
  • Ear Grommets
  • Eczema
  • Epilepsy - Where you only take one (1) anticonvulsant medication and you have not had a seizure in the last 12 months.
  • Folate Deficiency
  • Food Intolerance
  • Gastric Reflux
  • Glaucoma
  • Hay fever
  • Hypercholesterolaemia (High Cholesterol) - Where you do not also suffer from a known cardiovascular disease and/or diabetes
  • Hypertension (High Blood Pressure) - Where you do not also suffer from a known cardiovascular disease and/or diabetes
  • Impaired Glucose Tolerance
  • Incontinence
  • Insulin Resistance
  • Iron Deficiency Anaemia
  • Latex Allergy
  • Mascular Degeneration
  • Menopause
  • Nocturnal Cramps
  • Pernicious Anaemia
  • Pregnancy up to 26 weeks gestation from the date the policy ends, where no complications exist relating to this pregnancy, it is not a multiple pregnancy, and the pregnancy is not the result of assisted reproductive programmes.
  • Psoriasis
  • Raynaud's Disease
  • Rhinitis
  • Sinusitis
  • Trigger Finger
  • Urticaria
  • Vitamin B12 Deficiency
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