Will I be covered for pre-existing medical conditions?

We define a pre-existing medical condition as any medical or dental condition, illness, injury, defect or disease (other than common colds or flu), psychological condition or mental disorder:

a) for which advice or treatment (including medication), or investigation has been received or prescribed in the 12 months prior to the issue of the policy (for Single Trip), or in the 12 months prior to booking YOUR TRIP (for Annual Multi‐Trip); and/or

b) which is of a recurring or ongoing nature or any complication directly attributable to it; and/or  

c) of which YOU are aware, or the symptoms of which YOU are aware, or could reasonably be expected to have been aware at the time of applying for this insurance.

Our policies do not provide cover for your medical condition unless we have agreed to cover it via a written endorsement on the policy. If you have a medical condition and would like to find out if we can cover it, you need to contact our customer care team.