We understand that when traveling, you or any of your traveling companions might suffer from a pre-existing medical condition - how does this affect your travel insurance?
For information relating to policies purchased prior to 14 July 2021 12:00am UTC, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 14 July 2021 please see below.
We understand that when traveling, you or any of your traveling companions might suffer from a pre-existing medical condition which needs plenty of TLC. While we cannot cover any costs related to a pre-existing medical condition of you, a relative or anyone traveling with you, our plans still offer cover for many other sudden injuries, illnesses and emergencies that may arise.
Coronavirus (COVID-19) is subject to the same ‘pre-existing medical condition’ definition as all other medical conditions. This definition is outlined in your Policy Wording and applies to you, your traveling party, a close relative or any other person upon whom your trip depends.
We’ll always offer you and your traveling companions the option to buy a Standard or Explorer Plan online before you take off or while you’re traveling, but please be aware that there’s no coverage for any costs arising from, or made worse by, any pre-existing medical condition (as defined).
If any of the below conditions exist at the time you buy your policy or extend your policy, then we’ll consider that you have a pre-existing medical condition:
Will you be traveling while pregnant? We can offer travel insurance that covers aspects of your pregnancy. Read 'Am I covered if I’m pregnant' for more information on pregnancy cover.
Excess applies: For any medical claim, you will have to pay a per-person excess for each claimable event.
The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.
We’re here to help if you have a question about travel insurance. We’re available:
For policies purchase on or after 2 December 2018:
For policies purchased before 2 December 2018:
Coronavirus (COVID-19) and travel - Need to know before you buy
Our policies provide cover for some coronavirus-related events. Cover is not available for loss arising from: government intervention including travel bans, border closures or broadly imposed quarantine requirements; events for which the US Department of State has issued a ‘Do Not Travel’ warning for your destination(s); or failure to follow advice from official bodies. Your ability to travel may be affected by travel restrictions. Check your cover and the latest government advice and our travel insurance alerts.