Accepted Health Conditions Travel Insurance

Accepted medical conditions for our policies 

Whilst our policies generally exclude pre-existing medical conditions, we have developed a list of medical conditions we are happy to cover as Accepted Health Conditions.

Please see the complete list of accepted below f

The conditions below are covered provided that, in the last 2 years,

-the condition has been stable and well controlled and

-you have not been referred to a specialist or needed to go to hospital because your condition has worsened.

• If you have ever had any hospital admissions for this condition.
• You are not on a waiting list for treatment or surgery for the condition.
• You are not awaiting the results of any tests or investigations about the condition.
• You have not received a terminal prognosis.

If the above statements and restrictions do not apply to you, or you have any other medical conditions, you can get a quote and policy by following this link:

GET A QUOTE

• Acid Reflux
• Acne
• ADHD / Autism
• Allergic Rhinitis
• Allergies (no hospital treatment in the last 2 years)
• Anxiety / Depression (no hospital admissions or cancelled trips ever due to this condition)
• Arthritis / Osteoarthritis (that does not materially affect your activities of daily living)
• Asthma (diagnosed before age 50, not prescribed more than 2 medications/inhalers including nebulisers, no hospital admissions in the last 2 years)
• Back and/or Neck Problems (no hospital admissions in the last 2 years, not prescribed daily pain relief)
• Basal Cell Carcinoma
• Benign Prostatic Hyperplasia / Enlarged Prostate
• Bladder Weakness / Weak Bladder
• Blindness or Partial Sightedness
• Broken Bone (fully recovered, no further follow-ups)
• Carpal Tunnel Syndrome
• Cataracts
• Chicken Pox (if completely resolved)
• Coeliac Disease
• Common Cold
• Coronavirus (COVID-19) including Long Covid (no ongoing treatment)
• Cuts and Abrasions (not self-inflicted, no further treatment needed)
• Cystitis (no ongoing treatment)
• Deafness
• Diabetes (no complications e.g. retinal damage, nerve damage, or leg/foot ulcers)
• Diarrhoea and Vomiting (if completely resolved)
• Down's Syndrome
• Eczema (no hospital admissions in last 2 years)
• Essential Tremor
• Flu
• Glaucoma (provided it is not a complication of diabetes)
• Gout
• Haemorrhoids
• Hayfever
• Hiatus Hernia (no hospital admissions in the last 2 years, no ongoing treatment)
• High Blood Pressure (well controlled)
• High Cholesterol (well controlled)
• Hormone Replacement Therapy (HRT)
• Inguinal Hernia (Groin Hernia)
• Irritable Bowel Syndrome / IBS (no hospital admissions in the last 2 years)
• Ligament or Tendon Injury (no current treatment required)
• Low Blood Pressure (well controlled)
• Macular Degeneration
• Meniere's Disease
• Menopause
• Migraine (no ongoing investigations)
• Nasal Polyps
• Overactive or Underactive Thyroid
• Pernicious Anaemia
• PMT
• Raynaud's Syndrome
• Rosacea
• Sinusitis
• Tinnitus
• Urticaria
• Varicose Veins in Legs
• Vertigo

Accepted Medical Conditions FAQS

1. If I have purchased a policy, will I be covered for emergency medical expenses and repatriation?

Yes, as long as you have adhered to the restrictions, you will be covered for medical expenses and repatriation.

2. Can I purchase a policy online if I have one of these pre-existing medical conditions and another that is not on the list?

No, you will need to contact us, and we can provide you with a quote to cover all your medical conditions.

3. Can I purchase a policy if I have one of these medical conditions but do not adhere to the restrictions/statements?

No, you will need to contact us, as we would need to do a medical screening through another provider to get you cover.

4. If I want to add sports or activities, can I still purchase a policy with one of the accepted pre-existing conditions listed above?

Yes, you can add sports and activities to the quote, and the policy will cover one of these accepted conditions.

5. If my pre-existing medical condition changes before any trip, for example, if I need to be put on a waiting list or become pregnant, do I need to inform you?

Yes, please inform us as soon as this happens, and we can discuss the change in circumstances and determine whether it can still be covered by the underwriter.

6. Are all allergies covered under the policies online?

An allergy to a drug is not a medical condition, so it can't be classified as covered or not covered. You must not take the drug you are allergic to while away. Food allergies are covered as long as you have not had any hospital admissions in the last 2 years.