Important Statement regarding Travel Insurance and Pre-existing Medical conditions
You MUST disclose all material facts. A material fact is one that is
likely to influence the Insurer in accepting your insurance. This
could be the state of your health or that of a relative or person on
whom your travel plans depend or any hazardous activities. If you are
in any doubt as to whether a fact is 'material', you should call on 0844 249 9280. If you do not
disclose material facts, it may result in your claims being invalid.
InsureFor Travel Insurance Rules regarding Pre-existing medical conditions
You must comply with the following conditions in order to have full protection under this policy. If you do not comply, we may, at our option, cancel the policy, refuse to deal with your claim or reduce the amount of any claim payment.
This travel insurance operates on the basis that:
a) You must be healthy, fit to travel and to undertake your planned trip;
b) You are not travelling against the advice of a medical practitioner or would be had you sought his/her advice;
c) You are not travelling with the intention of obtaining medical treatment or consultation abroad;
d) You do not have any undiagnosed symptoms that require attention or investigation in the future (i.e symptoms for which you are awaiting investigations/consultations, or are awaiting results of investigations, and where the underlying cause has not been established).
This insurance excludes any claims arising directly or indirectly from a pre-existing medical condition affecting you and anyone else to be insured on this policy. This insurance also applies restrictions relating to pre-existing conditions of non-insureds on whom your trip depends and this is detailed below under CANCELLATION, CURTAILMENT OR TRIP INTERRUPTION - RESTRICTIONS RELATING TO THE HEALTH OF NON-INSUREDS.
For the purposes of this insurance, a pre-existing medical condition is defined as:
• any past or current medical condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or followup/ check-up has been required or received during the 24 months prior to the commencement of cover under this policy and/or prior to any trip; and
• any cardiovascular or circulatory condition (e.g heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any trip.
Waived Conditions
The following medical conditions are covered subject to the normal terms and conditions of this insurance,
provided the insured person can meet ALL of the following criteria:
a) has NO other pre-existing medical condition(s) which is not listed below; and
b) is not awaiting surgery for the condition; and
c) has been fully discharged from any post-operative follow-up.
IMPORTANT NOTE: IF THE INSURED PERSON DOES NOT MEET ALL OF THE CRITERIA SHOWN ABOVE THEN ALL PRE-EXISTING CONDITIONS INCLUDING ANY LISTED BELOW REMAIN EXCLUDED FROM COVER UNDER THIS POLICY.
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- Acronyx (Ingrowing Toe-nail)
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| Allergic Rhinitis |
| Alopecia |
| Anal Fissure/Fistula |
| Appendectomy |
| Astigmatism |
| Athlete’s Foot (Tinea Pedis) |
Attention Deficit Hyperactivity Disorder
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| Bell’s Palsy (Facial Paralysis) |
| Benign Prostatic Enlargement |
Bladder Infection (fully recovered, no hospital admissions)
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| Blepharitis |
| Blindness |
| Blocked Tear Ducts |
| Breast - Fibroadenoma |
| Breast Cyst(s) |
| Breast Enlargement/Reduction |
Broken Bones (other than head or spine) – (no longer in plaster)
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| Bunion (Hallux Valgus) |
Bursitis
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| Caesarean Section |
| Candidiasis (oral or vaginal) |
| Carpal Tunnel Syndrome |
| Cartilage Injury |
| Cataracts |
| Cervical Erosion |
| Cervicitis |
| Chalazion |
| Chicken Pox (fully resolved) |
| Cholecystectomy |
Chronic fatigue syndrome (if only symptom is fatigue)
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| Coeliac Disease |
| Cold Sore (Herpes Simplex) |
| Colitis (simple) |
| Common Cold(s) |
| Conjunctivitis |
| Constipation |
| Corneal Graft |
| Cosmetic Surgery |
| Cyst - Breast |
| Cyst - Testicular |
Cystitis (fully recovered, no hospital admissions)
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Cystocele (fully recovered, no hospital admissions)
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| D & C |
| Deaf Mutism |
| Deafness |
| Dental Surgery |
Dermatitis (no hospital admissions or
consultations)
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| Deviated Nasal Septum |
Diarrhoea and/or Vomiting (resolved)
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| Dilatation and Curettage |
| Dislocated Hip |
| Dislocations |
| Dry Eye Syndrome |
| Dyspepsia |
Ear Infections (resolved - must be all clear prior to
travel if flying)
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Eczema (no hospital admissions or consultations)
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| Endocervical Polyp |
| Endocervicitis |
| Endometrial Polyp |
| Epididymitis |
| Epiphora (Watery Eye) |
| Epispadias |
| Epistaxis (Nosebleed) |
| Erythema Nodosum |
| Essential Tremor |
Facial Neuritis (Trigeminal Neuralgia)
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| Facial Paralysis (Bell’s Palsy) |
| Femoral Hernia |
| Fibroadenoma |
| Fibroid - Uterine |
| Fibromyalgia |
| Fibromyositis |
| Fibrositis |
| Frozen Shoulder |
| Gall Bladder Removal |
| Ganglion |
Glandular Fever (full recovery made)
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| Glaucoma |
Glue Ear (resolved - must be all clear prior to travel if
flying)
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| Goitre |
| Gout |
| Grave’s Disease |
| Grommet(s) inserted (Glue Ear) |
| Gynaecomastia |
| Haematoma (external) |
| Haemorrhoidectomy |
| Haemorrhoids (Piles) |
| Hallux Valgus (Bunion) |
| Hammer Toe |
| Hay Fever |
| Hernia (not Hiatus) |
| Herpes Simplex (Cold Sore) |
| Herpes Zoster (Shingles) |
Hip Replacement (no subsequent arthritis)
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| Hives (Nettle Rash) |
| Housemaid’s Knee (Bursitis) |
| HRT (Hormone Replacement Therapy)
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Hyperthyroidism (Overactive Thyroid)
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| Hypospadias |
Hypothyroidism (Underactive Thyroid)
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Hysterectomy (provided no malignancy)
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| Impetigo |
| Indigestion |
| Influenza |
| Ingrowing Toe-nail (Acronyx) |
| Inguinal Hernia |
| Insomnia |
| Intercostal Neuralgia |
| Intertrigo |
| Irritable Bowel Syndrome (IBS) |
| Keinboeck’s Disease |
| Keratoconus |
Knee Injury - Collateral/cruciate ligaments
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Knee Replacement (no subsequent arthritis)
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| Kohlers Disease |
| Labyrinthitis |
| Laryngitis |
| Learning Difficulties |
| Leptothrix |
| Leucoderma |
| Lichen Planus |
| Ligaments (injury) |
| Lipoma |
| Macular Degeneration |
| Mastitis |
Mastoidectomy (resolved - must be all clear prior to
travel if flying)
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| Menopause |
| Menorrhagia |
Migraine (provided this is a definite diagnosis and
there are no ongoing investigations)
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| Miscarriage |
| Mole(s) |
| Molluscum Contagiosum |
Myalgia (Muscular Rheumatism)
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Myalgic Encephalomyelitis (ME) (if the only symptom is
fatigue)
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| Myxoedema |
| Nasal Infection |
| Nasal Polyp(s) |
| Nettle Rash (Hives) |
| Neuralgia, Neuritis |
| Nosebleed(s) |
| Nystagmus |
| Obstructive Sleep Apnoea |
| Osgood-schlatter’s Disease |
| Osteochondritis |
| Otosclerosis |
| Overactive Thyroid |
| Parametritis |
| Pediculosis |
| Pelvic Inflammatory Disease |
| Photodermatosis |
| Piles |
| Pityriasis Rosea |
Post Viral Fatigue Syndrome (if the only symptom is
fatigue)
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Pregnancy (provided no complications)
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| Prickly Heat |
| Prolapsed Uterus (womb) |
| Pruritis |
Psoriasis (no hospital admissions or
consultations)
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| Repetitive Strain Injury |
| Retinitis Pigmentosa |
| Rhinitis (Allergic) |
| Rosacea |
| Ruptured Tendons |
| Salpingo-oophoritis |
| Scabies |
| Scalp Ringworm (Tinea Capitis) |
| Scheuermann’s Disease |
| Sebaceous Cyst |
| Shingles (Herpes Zoster) |
| Shoulder Injury |
| Sinusitis |
| Skin Ringworm (Tinea Corporis) |
| Sleep Apnoea |
| Sore Throat |
| Sprains |
| Stigmatism |
| Stomach Bug (resolved) |
| Strabismus (Squint) |
| Stress Incontinence |
| Synovitis |
| Talipes (Club Foot) |
| Tendon Injury |
| Tennis Elbow |
| Tenosynovitis |
| Termination of Pregnancy |
| Testicles - Epididymitis |
| Testicles - Hydrocele |
| Testicles - Varicocele |
| Testicular Cyst |
Testicular Torsion (Twisted Testicle)
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| Throat Infection(s) |
| Thrush |
| Thyroid - Overactive |
| Thyroid Deficiency |
| Tinea Capitis (Scalp Ringworm) |
| Tinea Corporis (Skin Ringworm) |
| Tinea Pedis (Athlete’s Foot) |
| Tinnitus |
| Tonsillitis |
| Tooth Extraction |
| Toothache |
| Torn Ligament |
| Torticollis (Wry Neck) |
| Trichomycosis |
| Trigeminal Neuralgia |
| Turner’s Syndrome |
| Twisted Testicle |
| Umbilical Hernia |
| Underactive Thyroid |
| Undescended Testicle |
| Urethritis (fully recovered, no hospital admissions)
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URTI (Upper Respiratory Tract Infection) (resolved, no
further treatment)
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| Urticaria |
| Uterine Polyp(s) |
| Uterine Prolapse |
| Varicocele |
Varicose Veins - legs only, never ny ulcers or cellulitis (if
GP has a confirmed that client is
fit to travel)
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| Vasectomy |
| Verruca |
Vertigo - provided no disabling episodes
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| Vitiligo |
| Warts (benign, non-genital) |
| Womb Prolapse (uterus) |
| Wry Neck (Torticollis) |
In addition to any medical condition shown in the ‘Waived Conditions’ table above, you may be
automatically accepted for cover if you have ONLY ONE of the following conditions provided you have NO other pre-existing medical conditions.
Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis, Reiter’s Syndrome,Rheumatism):
• There must have been NO hospital admissions within the last 12 months.
• Must NOT affect the back more than any other area of the body.
• No more than 2 medications.
• No mobility aids (other than walking stick or frame).
• Must NOT be awaiting surgery.
• Must have NO lung problems.
Asthma (Wheezing):
• There must have been NO hospital admissions EVER.
• Must have been diagnosed prior to age 50.
• Must be controlled with no more than 2 medications (NO nebulizer, NO home oxygen).
• Must have been a non-smoker for at least 12 months.
• Must be able to walk 200 yards on the flat without becoming short of breath.
Diabetes Mellitus (Sugar Diabetes):
• Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only.
• Controlled by diet alone or by no more than 1 medication (no Insulin).
• There must have been NO hospital admissions or diabetic complications EVER.
• Must have been a non-smoker for at least 12 months.
Down’s Syndrome:
• There must be NO associated conditions or complications (e.g. congenital heart disease, epilepsy,
gastrointestinal abnormalities).
Hypercholesterolaemia (High/Raised Cholesterol):
• No more than 1 medication.
• Must NOT be the inherited form.
• Must have been a non-smoker for at least 12 months.
Hypertension (High Blood Pressure, White Coat Syndrome):
• No more than 2 medications.
• There must have been no change in treatment within the last 6 months.
• Must have been a non-smoker for at least 12 months.
Hypotension (Low Blood Pressure):
• Must NOT be associated with any underlying condition.
Osteoporosis (Osteopaenia, Fragile Bones):
• There must have been NO vertebral (backbone) fractures.
If the insured person has any other pre-existing medical condition or does not meet all the criteria above all pre-existing conditions including any listed above remain excluded from cover under this policy.