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

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For policies purchased on or after 1 August 2019:

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, start your trip, extend your policy or resume your trip, then it is considered 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.

You can find more information on pregnancy cover in our article  Am I covered if I’m pregnant.
Also be aware that any medical claim submitted that is not related to a pre-existing medical condition will have the policy excess applied 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.

Please note, for policies purchased on or after 1 August 2019 your World Nomads policy is backed by  XL Catlin Insurance Company UK Limited. 



Find a travel insurance provider if you have a serious medical condition

If you’re concerned our plans do not provide cover for a pre-existing medical condition that you have, you can visit the Money and Pensions Service’ travel directory (MaPS) which lists providers specialising in offering travel insurance to people with serious or life-threatening medical conditions.

MaPS Directory


For policies purchased before 1 August 2019:


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 £100 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.

Please note, for policies purchased between 1 November 2018 and 31 July 2019 your World Nomads policy is backed by certain underwriters at Lloyd's. For policies purchased before 1 November 2018, your World Nomads policy is backed by Millstream.
 


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Our contact details

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)

Contact us

Phone

For policies purchase on or after 1 November 2018:


0800 260 5081


+353 21 237 8000

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For policies purchased before 1 November 2018:


0330 660 0738


+44 (0) 330 660 0738