Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Originally posted: 29th Sep 2020

We know just how important it is for you to get the right travel insurance cover for any pre-existing health conditions that you have. Whilst having a health condition shouldn’t stop you from travelling and seeing the world, knowing that you are protected should the worst happen, will give you that extra piece of mind, and potentially save you some hefty bills.

And that’s where our online medical screening service comes in handy.

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What is online medical screening?

Well, online medical screening allows you to easily tell us about any pre-existing health conditions that you, or anyone you want covered on your policy, have.

Using our simple online screening service, you can add medical conditions during your quote and only receive quotes from companies who can provide cover which includes the conditions you’ve added. There’s no need to fill out any paper forms, wait to get written confirmation from companies, or have to tell a stranger over the phone about your medical history. In just a minute or two you can do it online and get cover straight away.

Why do I need to tell you about my health conditions?

Travel insurance companies will need to know about certain pre-existing health conditions so that they can offer you cover which includes the conditions you have declared. That way, if a condition you’ve told your insurance company about flares up before you go, and you are medically unable to travel, you will benefit from cancellation cover. Also, if you are away and you need medical assistance for your pre-existing health condition, you’ll get assistance with the cost of the treatment, or even be brought home for treatment if necessary. 

This is why it’s really important that you tell us about your medical conditions. If you don’t tell us about all your, you may find that your policy will be invalidated.

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What health conditions do I need to tell you about?

During your quote, we’ll ask you a few short questions about the medical history of you, and anyone else you want covered on your policy. This will help us determine whether or not you need to tell us about any health conditions. Depending on what pre-existing medical conditions you have (or have had) you might be asked about the number of different medications you take, whether you’ve been admitted to hospital or when you were first diagnosed. Don’t worry though, you won’t be asked to name your medication.

So, what questions will you ask?

Before you start please remember that you must answer the screening questions as honestly as you can, if you are unsure of any details about your medical condition, we recommend you speak to your GP first. We also cannot provide a quote if you, or anyone else you want covered, have an undiagnosed health condition which is currently under investigation.

  1. First, we will ask if you, or anyone to be named on your policy have ever been diagnosed or treated for any cancerous, heart, circulatory or respiratory conditions. This could be a recent condition, or even one from a long time ago that you’ve made a full recovery from. If it is an old condition, don’t worry, providers will take this into account.

  2. We’ll also ask if you, or anyone to be named on your policy has ever been diagnosed or treated for psychological conditions such as stress, anxiety, depression, or eating disorders. You wouldn’t need to answer yes if you’ve just felt like you’ve had one of these conditions, just if you have been formally diagnosed by a medical professional or received treatment.

  3. We then ask if you, or anyone to be named on your policy, has been prescribed medication, or attended a hospital as an out or in patient, or any other medical facility such as a medical practitioner's surgery within the last 2 years? So, if you’ve seen a doctor about a condition, or if you’ve been given medication to help with a condition (including repeat prescriptions), you will need to answer yes here.

  4. Next, we ask if you or anyone to be named on your policy has been put on a waiting list for treatment or investigation relating to an already diagnosed medical condition. For example - you could have high blood pressure which has flared up, and you are currently undergoing additional investigation or waiting for treatment. Remember, if it’s a condition which is has not been diagnosed, you’ll need to wait for a diagnosis before you can get a quote.

  5. We’ll also ask if you or anyone to be named on your policy has been given a terminal prognosis.

The questions will all be answered Yes or No. If you answer No to all the questions, then we don’t need to know about any medical conditions, but if you answer Yes to any of the questions, you’ll now need to declare the medical conditions relating to these answers.

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How do I add medical conditions to my quote?

It’s easy to find a medical condition, just select ‘add condition’ and we’ll do our best to help you find the right condition.

Once you’ve found the right condition, we may ask you a few additional questions, such as whether you were admitted to the hospital or how much medication you take, so that we can really understand your individual circumstances and the impact the condition will have had on your current health.

It’s important to remember that you only need to add the name of the medical condition, you don’t need to add the name of any medication, or treatment, though we may of course ask you a few questions about these.

If any travellers don’t have any medical conditions you can just select ‘nothing to declare’ for that traveller.

Once you are comfortable that you’ve added all the conditions you need to – you can finish your screening and we’ll show you your quotes.

Will my quotes include cover for the conditions I’ve added?

Yes, all of the quotes we show you will take into account any medical conditions you’ve told us about. You can check all the details you’ve given to us when you see your quote results, and we’ll send an email confirmation to you when you take out a policy too. That way you have a record of what you’ve told us and you can keep track of what you’re covered for.

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Can I declare some conditions and exclude others?

Simply put, the best advice is no. You can buy standard insurance that excludes cover all together for your pre-existing medical conditions, but when it comes to specialist travel insurance you can’t pick and choose. Please don’t be tempted to just declare the conditions you want cover for, as doing so may void your policy if another of your medical conditions flares up. It’s always best to abide by the medical declaration then travel insurance providers can base their decision to cover you and at what price on all the facts, so that you get the safest cover.

How will my medical condition affect the cost of my travel insurance?

Many medical conditions can be covered for no extra charge, although it's still important to declare all of them. The severity of your condition will determine whether any additional premium is required, but we’ll include all of this in the price we show you so there’s no nasty surprises. Travel insurance providers will base any additional cost on the risk of you requiring medical treatment whilst you are away or needing to cancel your holiday due to your medical condition. If your illness is severe or your condition is unstable, you may have to pay more for travel insurance cover.

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We’ve done our best to make our medical screening process easier and simpler. You just need to complete one set of medical screening questions to get quotes from all of providers. Click below to get started and see for yourself.

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Frequently Asked Questions

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!
Once you've declared all of your relevant pre-existing medical conditions we'll only show you quotes based on the conditions you have told us about.
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.
No, unfortunately, we're unable to provide a quote if you are suffering from an undiagnosed medical condition. As soon as you have been diagnosed you can visit us and get a quote.
No. We can search for travel insurance quotes for all ages. However, the number of annual multi-trip quotes for older travellers may be limited due to age restrictions imposed by the providers that we search. If you are unable to get an annual trip quote, try a single trip quote instead.
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