To be covered for planned procedures, the Medical History question ‘have you been currently put on a waiting list for treatment or investigation?’ must be answered as yes. The medical condition for which the procedure is planned must also be declared on the policy.

If anything changes for this (or any other) medical condition after you buy your policy and before the start of your trip you must contact your insurance provider as it may affect your cover.

You would not be covered if you are given dates for the procedure which are during your trip.

If you are going to require treatment for an undiagnosed condition, we would be unable to offer a quote for cover. We can only offer quotes based on you having a confirmed diagnosis at the time of getting a quote.


We specialise in providing travel insurance which will include cover for pre-existing medical conditions, the quotes we provide always, therefore, include cover for those conditions. We don't offer an option to exclude some or all pre-existing medical conditions.

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

We are not able to provide any cover if you or any travellers on the policy have an undiagnosed medical condition which is under investigation.

We class elective procedures as surgery that is scheduled in advance because it does not involve a medical emergency. The answer to your question will be different depending on the particular circumstances.

If you answer Yes to the Medical history question, 'are you on a waiting list for treatment?' a small number of insurance providers will offer quotes for this situation and it should be declared on your policy. Please be sure to contact your insurance provider, to confirm what is actually included in your cover for the procedure as this will vary.

There are circumstances where elective surgery would not be covered on your policy. If the procedure is not as a result of a disease, illness or injury (i.e. not a pre-existing medical condition) that would not be covered. An example of that might be cosmetic surgery. However, if you are awaiting cosmetic surgery which is required as a result of a pre-existing condition, some insurance providers may offer cover, please contact them to discuss this.

If you are travelling abroad to have medical treatment, including for cosmetic surgery cover is generally excluded from policies for that.

The insurance provider will want to ensure your condition is stable before offering a 12-month policy.

Annual trip cover is unlikely to be available if you are:

➡️ Recently diagnosed

➡️ Recovering from surgery

➡️ On a waiting list for treatment

➡️ Under medical investigation

Note: The majority of insurers will require you to inform them of any changes to your health or medication. Failure to report changes could invalidate your policy.


Our panel of over 30 insurance providers ensures we are able to provide cover for a wide range of medical conditions.

And our online medical screening makes it easy to declare your medical history whilst maintaining your privacy.

Once you've disclosed your medical conditions, we will only show insurance providers who can provide cover.

You don't need to have a medical condition to use our service!

Anybody can use our service to compare travel insurance premiums!

You must inform your insurance provider of any changes in your health. You should contact them directly to discuss this.

Not doing so may affect your policy and result in claims being rejected.

An ongoing medical warranty means that you must contact your insurer of any changes to your medical condition. Most travel insurance providers will have this in place.

When you are travelling abroad for treatment, the provider is not likely to offer cover for this. Given that there would be a much higher risk than normal, there will generally be an exclusion in the cover if you are to have treatment abroad.

Worried about taking your medication on holiday? We have a handy guide to help! Take a look here

Not always, the term waiting list will only apply if you are awaiting investigations or treatments. A booked appointment for something routine, such as a chiropractor appointment would not count.  

If you have fixed date for your treatment, but the treatment has not yet been carried out, you should say answer 'yes' to the medical history question asking if you are currently on a waiting list for treatment or investigation.

The medical history questions should be answered based on the date you get the quote. When you then lead on to declare your conditions, we may ask you some follow-up questions to get a better idea of how you are/were affected.

If for example, you have visited a doctor within the past 2 years, you should select 'Yes' to the medical history question asking this, even if this would be outside the 2 years when you go on your trip.

When you are declaring your condition, you may be asked about unplanned hospital admissions in the follow-up questions. A trip to A&E is only classed as a hospital admission if you are admitted to hospital as a result of that visit to A&E.

If you are well enough to go home after your visit to A&E, this would not be classed as an unplanned hospital admission. You would still be required to declare the condition that required the trip to A&E.

If you're taken ill or have an accident abroad your travel insurance policy will repatriate you once you are well enough to travel.

It is included within your medical cover.

The insurance provider's Emergency Assistance team will help organise this along with the medical team who are treating you.

If you are travelling in the UK, check repatriation with your insurance provider to see what is included.