Existing Medical Condition

You must apply for cover if:

If you do not tell us about an existing medical condition other than those automatically covered, there is no cover for any existing medical condition.

If your application is approved you will be advised of any restrictions or excess that may apply and asked to pay an appraisal fee. The definition of an existing medical condition is set out in the Policy Wording under ‘Words with special meanings’.

High Risk Existing Medical Conditions

If you are applying for an International or Annual Multi Trip Travel Plan you must tell us if you have any of the following existing medical conditions.

Cardiovascular/Cerebrovascular Diseases

Chronic Lung Diseases

Neurological Disorders


Conditions Automatically Covered for Free

You must read this section together with the General exclusions, as these may affect your cover.

Provided the following existing medical conditions are stable and you or anyone else to be covered are not waiting for treatment, on a hospital waiting list or awaiting results of medical tests or investigations in relation to any of these conditions, cover is provided without application on all travel plans.

Medical Condition Criteria
Allergies Such as allergic rhinitis, chronic rhinitis, hayfever, sinusitis, anaphylaxis, dermatitis, eczema, psoriasis, urticaria, food intolerance, latex allergy
Anaemia Iincluding iron deficiency anaemia, B12 deficiency, folate deficiency, pernicious anaemia
Asthma Provided you are under 60 years of age and you have not required cortisone medication, except taken by inhaler or puffer, or hospitalisation for the past 12 months including as an outpatient.
Bell’s Palsy
Benign Breast Cysts
Carpal Tunnel syndrome
Cataracts With no pending surgery or surgery in last 6 weeks
Coeliac Disease Congenital blindness or deafness
Diabetes Mellitus Types 1 and 2 provided you were not diagnosed within the last 12 months and where you have no known cardiovascular, hypertensive, vascular disease, no related kidney, eye or neuropathy complications
Epilepsy You have been seizure free for the past 12 months or do not require more than 1 anti-seizure medication
Goitre, Hypothyroidism, Hashimotos Disease, Graves Disease
Grommets If no current ear infection and/or no ear infection in the last 4 weeks
Hiatus Hernia, Gastro-Oesophageal Reflux Disease, Peptic Ulcer Disease
High Blood Pressure (Hypertension) Stable
High Cholesterol (Hypercholesterolaemia)
High Lipids (Hyperlipidaemia)
Hip and Knee Replacements If performed more than 9 months ago and less than 10 years ago, with no history of dislocation
Insulin Resistance,
Iimpaired Glucose Tolerance
Incontinence Macular degeneration
Migraines Except where you have been hospitalised in the past 12 months
Nocturnal Cramps
Osteoporosis Where there have been no fractures and you do not require more than 1 medication or suffer any back pain condition
Plantar Fasciitis
Pregnancy Pregnancy related conditions, including a pregnancy complication or Illness of the mother up to and including 26 weeks gestation provided;

  • There haven’t been any pregnancy complications or Illnesses in this pregnancy or any previous pregnancy; or
  • This pregnancy hasn’t been assisted by a medical reproductive program eg: IVF.
Raynaud’s Disease
Trigeminal Neuralgia
Trigger Finger
Routine Screening Tests Where no underlying disease has been detected.
Kreated By: Kreatives