Pre-Exisiting Medical Conditions


We are able to provide cover for most pre-existing medical conditions by calling through to our medical screening team on 0203 824 0719 Monday- Friday 8am-8pm, Saturday 9am-5pm. Our agents will help evaluate any condition you may have.

Health Conditions

This insurance is designed to cover you for unforeseen events, accidents, illnesses or bodily injuries occurring during the period of insurance. All pre-existing medical conditions will not be covered unless declared to our medical screening company and a medical endorsement obtained.

A Pre-Existing Medical Condition is defined as any condition from which you or anyone upon whom your trip depends on have suffered from, or received any form of medical advice, treatment or medication within the last twenty four months prior to you purchasing this insurance policy.

If you answer 'yes' to any of the questions below then you must declare the relevant conditions to us. So that we can ensure you are provided with the best cover we can offer please read and answer the following questions carefully and accurately:

Have you or anyone travelling with you ever been diagnosed or received treatment for:

  • Any heart or circulatory condition?
  • A stroke or high blood pressure?
  • A breathing condition (including Asthma)?
  • Any type of Cancer?
  • Any type of Diabetes?
  • Has your doctor altered your regular prescribed medication in the last 3 months?
  • In the last 2 years - have you, or anyone who is travelling with you, been treated for any serious or re-occurring medical condition, asked to take regular prescribed medication, or referred to a specialist or consultant at a hospital for tests, diagnosis or treatment?

  • Are you waiting for any tests, treatment or a non-routine hospital appointment?
  • Do any close relatives, business associates or friends who are not travelling with you or who are not insured with us have an existing medical condition (even if considered as 'stable', under control or in remission)?

If you have answered 'yes' to the questions above you must tell us, in order to obtain cover for your medical condition(s), although an increased premium or excess may be required to do so. To enable us to consider your medical condition please contact Travel Administration Facilities on:

0203 824 0719
8am-8pm Monday- Friday
9am-5pm Saturday

Should we require any additional premium, and you accept our offer, this should be paid to Travel Administration Facilities, and sent within 14 days of our offer. Should you decide not to pay the additional premium the declared medical condition will not be covered. Full confirmation of our terms and conditions will be sent out to your address after your call. Any additional medical conditions not declared to us will not be covered.

Change in Health

If your health or your ongoing medication changes between the date the policies were bought and the date of travel you must advise us on 0203 824 0719 as soon as possible. We will advise you what cover we are able to provide, after the date of diagnosis. We reserve the right to increase the premium, increase the excess, exclude the condition or withdraw the cover should the stability of the condition make it necessary.


Our policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date. Please note we will not cover denial of boarding by your carrier so you should check that you will be able to travel with the carrier/airline in advance. It is essential, if at the time of booking your trip you are aware that you are pregnant, that you ensure that you are able to have the required vaccinations for that trip; no cover will be provided for cancellation in the event that, after booking you discover travel is advised against, or you are unable to receive the appropriate and required vaccinations for that country.