If you have a single trip policy:
You don’t need to let us know of changes to anyone’s health after you’ve set up your policy. Any new condition(s) diagnosed will be covered, as long as the person is considered medically fit to travel and isn’t travelling against medical advice.
There’s no cover for cancelling or cutting a trip short because of follow up appointments, or surgery relating to investigations or tests that you know about when you book a trip.
There's also no cover if you know you'll need medical treatment during your trip, or you're travelling specifically to get medical treatment.
If you have an annual multi-trip policy:
You don’t need to let us know of changes to anyone’s health after you’ve set up your policy. Any new condition(s) diagnosed will be covered, as long as the person is considered medically fit to travel and isn’t travelling against medical advice.
There’s no cover for cancelling or cutting a trip short because of follow up appointments, or surgery relating to investigations or tests that you know about when you book a trip.
There's also no cover if you know you'll need medical treatment during your trip, or you're travelling specifically to get medical treatment.
When you receive your renewal quote, please read through and check all details are still correct. If you need to make any changes to the medical conditions you’ve declared on your policy, please call us on on 0330 678 6222
Remember:
- At renewal we can't guarantee we'll be able to cover any new conditions.
- At renewal we may no longer be able to offer cover the pre-existing medical conditions you've already told us about.
This is because our medical screening or underwriting rules may change. If this happens, you'll be able to make a cancellation claim for any trips you have already booked.
If we can’t cover your medical condition, or the premium is higher than you expected, help is still available. The Financial Conduct Authority (FCA) have created a Medical Cover Firm Directory. The directory lists all the firms that may be able to provide a policy to cover your medical conditions.
You can find this directory on the Money Helper website or give them a call on 0800 138 7777. Their opening hours are: Mon – Fri 8am to 6pm.
Our lines are open:
8am - 8pm Monday to Friday
9am - 5pm Saturday and bank holidays
10am - 4pm Sunday
Calls may be recorded. For Text Phone: dial 18001 first.
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