You don't need to tell us about changes to anyone's health during the period of cover. After you have taken out a policy, cover will continue to apply provided, anyone travelling is considered medically fit to travel and not travelling against medical advice.
However, there is no cover for you to cancel or cut short a trip because of any follow up appointment or surgery relating to investigations or tests that you know are needed or happening when you book a trip. There's also no cover if you know you'll need medical treatment during your trip or if you're travelling specifically to get medical treatment.
If you have an annual multi-trip policy:
At renewal we can't guarantee we'll be able to cover any new conditions. It's also possible that at renewal we may no longer be able to offer cover for pre-existing medical conditions that you've already told us about and we've previously covered. 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 Advice Service website or give them a call on 0800 138 7777. Their opening hours are: Mon – Fri 8am to 6pm.
8am - 8pm Monday to Friday
9am - 5pm Saturday and bank holidays
10am - 4pm Sunday
Calls will be recorded. For Text Phone: dial 18001 first.
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