You will need to tell us about the condition that led to the procedure or operation. This information allows us to accurately assess your situation and ensure that your policy aligns with your needs. Once you declare this information, we'll review it carefully and, if necessary, follow up with questions about any treatments you may have undergone. Our goal is to make the process as clear and supportive as possible, ensuring your peace of mind.

For more help, check out our handy guide, Online Medical Declaration.

If you have a diagnosed medical condition and are waiting for further investigation or treatment, here’s what you should know:

  1. Answering Medical History Questions: When completing the questions on our site, be sure to answer "Yes" to the question about being on a waiting list for investigation or treatment for a diagnosed condition.
  2. Declare Your Medical Condition: It's important to tell us about your medical condition that is under investigation to make sure you have the right cover.
  3. Understanding Your Options: While some of our insurance providers might not cover you if you’re on a waiting list, we’ll still offer you a variety of policies to choose from.
  4. Be Aware of Cancellation Risks: If you're aware of any situations that might lead to a cancellation when booking your holiday or buying insurance, keep in mind these may not be covered by your travel insurance. It’s important to read the full policy wording to understand all terms and conditions.

If you’re undergoing investigations for a condition that hasn’t been officially diagnosed, we won’t be able to provide a quote just yet. However, once you have a confirmed diagnosis, feel free to return to our site to complete your quote.

We’re here to help you navigate your insurance options, so don’t hesitate to reach out if you have any questions!

Pregnancy and childbirth aren’t considered pre-existing medical conditions, so you won’t need to declare them on your policy. Complications that arise during pregnancy, such as gestational diabetes or gestational hypertension, are typically covered since they result from the pregnancy itself.

To ensure these complications are included in your cover, simply proceed to the payment page where your quote will be visible to your provider. After that, feel free to give them a call to confirm the details before finalising your purchase. We're here to help you during this important time.

You can find out more in our handy guide, Travelling When Pregnant.

If you have a diagnosed condition that doesn’t require treatment but still needs regular scans or check-ups, it’s important to declare this on your policy.

When filling out the medical history questions, you'll be asked if you've visited a medical practitioner, hospital, or clinic in the last two years. If you’re undergoing regular monitoring, just answer "Yes" to that question. This way, you can accurately declare your condition, ensuring your insurance cover is tailored to your needs.

We’re here to support you through this process, making it as stress-free as possible.

A pre-existing medical condition is a diagnosed medical condition that existed before taking out a travel insurance policy. When you get a quote on our site, we'll ask you a series of questions about your medical history. If you answer "Yes" to any of these questions concerning a condition, it is classified as a pre-existing condition.

You must inform us if you, or anyone to be named on the policy, has any pre-existing medical conditions. This ensures we can provide you with the appropriate cover tailored to your particular needs and circumstances.

Should you need assistance with this process or have any questions, our team is always available to support you.

When completing your quote, we'll ask a series of questions about your medical history, and any travellers included in your quote. It's important to declare any pre-existing conditions, which are diagnosed medical conditions that existed before taking out a policy.

If you answer "Yes" to any medical history questions regarding a condition, you'll need to inform us about the traveller's conditions. This includes conditions that a traveller currently has or has had in the past.

We understand it can sometimes be confusing to determine exactly what needs to be declared, and our dedicated online support is available to assist you.

You can also find out more in our guide, Online Medical Screening.

Once you’ve declared your medical condition(s) using our simple online tool, you’re all set! There’s no need to follow up with your insurance provider in writing. We’ve designed our process to be straightforward and hassle-free.

The only time you might need to provide written evidence is if you make a claim, and in those cases, your insurance provider will guide you through what’s needed, ensuring you feel supported and informed.

Our tool is designed to recognise a variety of names and spellings for most medical conditions.

First, please try alternative spellings for the condition or type part of the condition name and have a look at the list of conditions that are presented to you. Remember to enter the name of the medical condition itself rather than the symptoms or effects associated with it. 

It’s important to make sure you find the correct medical condition, as it may affect your cover.

If it still doesn’t appear or you aren’t sure, our support team will be happy to help you. You can chat with us online (see the chat icon in the bottom right of your screen), or contact us here.

Cardiac arrest isn't included in our system as it is considered a symptom of another underlying condition. To ensure your insurance cover is accurate, it's important to declare the condition that caused the cardiac arrest.

If you're uncertain about the specific condition, we recommend consulting with your doctor to gain clarity. This will help us support you in tailoring your cover more effectively, providing you with the assurance and protection you need. Our team is always here to help if you have any questions or need further assistance.

Online medical screening is the name of the process you go through when declaring your pre-existing medical conditions. Our online medical screening journey is designed to make it easy to declare your medical history while maintaining your privacy.

You can declare your conditions one at a time, and we may ask you a few follow-up questions to get a better understanding of your conditions, ensuring we have the best understanding of your circumstances.

This approach helps us tailor the cover to fit your individual needs, providing you with peace of mind during your travels.

You can find out more in our guide, Online Medical Screening.