You should declare the condition that required the procedure/operation. We will then ask about any treatments in the follow-up questions if this information is necessary.

For more information, read our guide to online medical screening.

If there has been a confirmed diagnosis and you are under further investigation you should declare the condition on your policy.

If you currently have an undiagnosed medical condition which is under investigation, we are unable to provide a quote. Once the condition has been confirmed please return to complete a quote.

If you have a diagnosed medical condition and are awaiting further investigation or treatment you should:

  1. Answer yes to the medical history question asking if you are currently on a waiting list for investigation or treatment.
  2. Declare the medical condition on your policy

Not all our insurance providers will offer cover if you are on a waiting list for treatment or investigation, but you should still receive a selection of policies to consider.

As with all insurance policies, if you are aware of anything that will cause you to cancel at the time of booking your holiday or taking out your insurance (whichever is later) you wouldn’t be covered for that on your travel insurance policy.

If you are currently under investigation for a condition that does not have a confirmed diagnosis, we would be unable to offer you a quote at this time. When you get a confirmed diagnosis, you will be able to return to complete a quote for cover.

Pregnancy and childbirth are not classed as pre-existing medical conditions and don’t have to be declared on your policy.

Complications of pregnancy like gestational diabetes or gestational hypertension would normally automatically be included as they have been caused by the pregnancy and would not otherwise have occurred. To ensure your provider will cover these, you can proceed to the payment page so the provider will be able to see your quote. You can then call and confirm this before completing the purchase.

If you have a diagnosed condition where no treatment is required, but you do continue to have scans or check-ups to monitor that condition the condition should be declared on your policy.

The medical history questions ask if you have attended a medical practitioner’s surgery or attended a hospital or clinic as an outpatient in the last 2 years. You would answer yes to at least one of these if you have regular monitoring.

This will then allow you to declare your condition.

A pre-existing condition is a diagnosed medical condition that existed prior to taking out a policy.

We ask a series of questions about your medical history. If you answer yes to any of those for a condition it is classed 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.


A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

No, after you've declared your medical condition using our online screening tool - you are done! There's no need to confirm your conditions in writing with your insurance provider. The only time you may have to provide written evidence is in the event of a claim.

Our medical screening system can recognise a variety of names and spellings for most medical conditions.

Initially, 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.

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 now (see chat icon in the bottom right of your screen), or contact us here

Cardiac arrest isn't included on our system as it is a symptom of another condition. You need to declare the condition that caused the cardiac arrest. If you aren't sure what the condition was, it would be best to check with your doctor.

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

Your answers are completely confidential, and you only need to fill it out once.

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 to ensure we get the best understanding of your circumstances.