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Insurance Medical Warranty

This insurance is designed to cover you for unforeseen illnesses and accidents occurring during the period of insurance and contains health restrictions that apply to the Cancellation, Curtailment, Medical Emergency Expenses and Repatriation and Personal Accident sections of the policy wording. It is very important that you read the following:

1. Have you, or anyone travelling on this policy, EVER been diagnosed with or received treatment for;

a. Any heart or circulatory condition?
b. A stroke or high blood pressure?
c. A breathing condition (including Asthma)?
d. Any type of Cancer?
e. Any type of Diabetes? Or;
f. Has your doctor altered your regular prescribed medication in the last 3 months?

2. Have you, or anyone travelling on this policy, at the time of purchasing this insurance, been taking any medication, tablets, received any treatment, had surgery, undergone any investigations or attended any consultations (with a medical practitioner or specialist) for ANY medical conditions during the last 24 months (other than common colds or flu)?

If you answer “YES” to any of the above at the time of taking out this insurance, or at any time between taking out the insurance and the start date of your trip, you should notify the medical screening service on 020 7965 0308. You may be required to pay an additional premium to extend the insurance to cover any Pre-existing medical conditions.

3. You will not be covered for anything that arises from, is related to, or has been caused by, ANY Pre-existing medical conditions, unless you have told us about ALL the conditions and we have agreed to cover them.

4. If we are unable to cover the Pre-existing medical condition, this will mean that you and any other insured person will not be covered for any directly or indirectly related claims arising from the Pre-existing medical condition.

5. You will not be covered for any directly or indirectly related claims if, at the time of purchasing this insurance, you are receiving or waiting for tests, investigations or treatment for any medical condition.

6. This insurance will not cover anyone travelling against medical advice or to get medical treatment abroad.

7. If anyone has an undiagnosed medical condition (for example, if waiting for tests, investigations or treatment), or has been given a terminal prognosis, this policy will not cover any related claim against the Cancellation, Curtailment or Medical Emergency Expenses and Repatriation sections.

Change in Health

8. If you have a change in health after you have taken out this insurance, we reserve the right to alter the terms of this insurance based on the change. Cover under the Medical Emergency Expenses and Repatriation, Cancellation, Curtailment or Personal Accident sections of the policy will only continue to be provided where the change of health has been declared and accepted by us and any additional premium has been fully paid. You should notify us as soon as you are aware of a change in health, failure to do so could result in your claim being declined.

9. If we cannot provide cover for your change in health, you can either

a. make a cancellation claim if you have booked and paid for a trip that you have not yet made; or,

b. cancel your policy and we will send you an appropriate refund, as long as you have not travelled or made a claim.

10. Please refer to the ‘Anyone upon whom the trip may depend’ section for terms that apply for non-travelling immediate relatives, travelling companions not insured by this insurance and people that you intend to stay with.

  • You are a UK resident aged 70 or under
  • You have read and understood the terms of business
  • You have read and understood the policy wording
  • You have read and understood the medical warranty above

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