Am I covered if I have a pre-existing medical condition?

Pre-existing medical conditions cannot be covered under this policy. You can still purchase a World Nomads policy online with a pre-existing medical condition, but we won't cover any claim made as a result of this condition.

What is a pre-existing medical condition?

The following can help determine if you, your travel companion, an immediate relative or someone upon whom your trip depends has a pre-existing medical condition. If any of the following exist at the time you buy or extend your policy, then we’ll consider that you have a pre-existing medical condition:

  • Ongoing medical or dental condition, or related complication you have, the symptoms of which you are aware of, or that is currently being or has been investigated by a medical practitioner, dentist or a chiropractor; or
  • a medical or dental condition for which advice, treatment or medication has been prescribed by one of the people listed in this definition, within 180 days before you purchased your policy.

Read this article – Am I covered if I’m pregnant for more information on pregnancy cover.

Also be aware that any medical claim submitted that is not related to a pre –existing medical condition will have the policy excess applied. There is a €125 excess applicable per person, per event.

The policy isn’t designed to cover everything. Take the time to read your policy wording/description of coverage for full details. That way there are no surprises if you need to use it.

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We’re here to help if you have a question about travel insurance.

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

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For policies purchase on or after 1 November 2018:

1800 903 008

+353 21 237 8001


For policies purchased before 1 November 2018:

+44 (0) 330 660 0738

0330 660 0738

+44 (0) 330 660 0738