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What is a pre-existing medical condition?

04/09/2014

Pre-existing medical conditions explained

Here at Travel Insured we talk a lot about how we specialise in arranging travel insurance cover for travellers with pre-existing conditions. But what exactly is a pre-existing condition?

Teddy bear with medical condition

Photo Credit: Christiaan Triebert

A pre-existing condition can be any illness you have suffered from in the past and which still impacts on your health at the time you are travelling. You should also definitely let us know if you would answer "yes” to any of the following questions:

Have you received medical treatment recently?

Be careful to listen to or read the question asked as the time scale for disclosing can be anything from 1 year to 5 years.

You would even need to declare a condition from which you have fully recovered, if you have had any follow-up appointments or check-ups .

Have you taken any prescription medication recently?

Again, listen to the question to clarify how far back you need to go.

All conditions that are controlled by medication need to be declared and that includes, for example, high blood pressure or high cholesterol levels.

Are you waiting for treatment or an operation?

Have you been diagnosed with a long term or a terminal illness. We can arrange travel insurance cover for you, even if your condition is terminal, as long as the prognosis is 6 months or more after your intended travel dates.

It is important to note that you need to declare any illness for which you have been prescribed medication, even if you decided not to take the medication.

You can let us know about your pre-existing conditions when you buy your policy, either on the phone with one of our highly trained and experienced advisors, or on-line. When you tell us the name of the condition you suffer from, we will need to ask you a series of questions about how your condition was treated and whether you have had any hospital appointments, etc. We need to do this in order to ensure we tailor your policy to your specific needs. We will not ask you for a certificate from your doctor or the name of your medication at this stage.

Will you have to pay more?

The cost of your travel insurance will depend on the type of pre-existing condition you have declared and on where you are travelling in the world along with your age and the period for which you are travelling. Even if you know that the condition you have been diagnosed with will not impact your travel, you still need to declare it because if you do need to make a claim, your insurer will access your medical records and failure to declare a pre-existing medical condition could result in your claim being rejected.

If you are travelling with someone else even if they do not have a pre-existing condition, we still recommend that you all choose to be insured on the same policy. This is because if your holiday needs to be cancelled or postponed because of your pre-existing condition, your travel companion/s will also have full cover.

Finally

Our on-line travel insurance system is easy to use but if you have any concerns or questions, give us a call and we will be happy to talk things through and give you our best advice based on many years of experience.

This product is provided to Travel Insured by goodtogoinsurance.com who are appointed representatives of Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority – no.471641 By clicking the box at the foot of this page, you will be taken to our dedicated travel insurance site provided by goodtogoinsurance.com where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of someone who wishes to insure their trip away from their home for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..


If you experience any problems when using the site, contact us on 0845 850 1066.

I have read and understood the above detail

click here to obtain an online quote

This product is provided to Travel Insured by Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority - no.471641. By clicking the box at the foot of this page, you will be taken to our dedicated travel insurance site provided by Ancile Insurance Group Ltd where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of someone who wishes to insure their trip away from their home for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..

If you experience any problems when using the site, contact us on 0845 850 1066.

I have read and understood the above detail.

click here to obtain an online quote

This product is provided to Travel Insured by Ace European Group Ltd who are authorised and regulated by the Financial Conduct Authority – no.202803. By clicking the box at the foot of this page, you will be taken to our dedicated business travel insurance site provided by Ace European Group Ltd where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of a business which wishes to insure business trips away from the UK for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..

If you experience any problems when using the site, contact
us on 0845 850 1066.

I have read and understood the above detail.

click here to obtain an online quote

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Travel Insured is a trading style of Manor Insurance Services Ltd, registered office 93/97 Bohemia Road, St Leonards-on-Sea TN37 6RJ Company registration number 4824667.
Authorised and regulated by the Financial Conduct Authority 303639

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