Pre-Existing Medical FAQ’s:


This page will hopefully cover any questions or queries you may have about our Pre-Existing Medical Conditions product. If you have a more bespoke question, that is not answered below, please feel free to contact us through our contact us page.

General Medical Questions:


 

  • If there is a change in health of anyone insured under an existing policy you must contact our Medical Screening Service on 02392 419 883 as soon as possible. We will tell you if your change in health will affect your insurance and if cover can continue.

    A change in health includes any changes to your health which you are aware of and for which you may need to seek professional medical advice, any new medical conditions or symptoms which may or may not yet have been diagnosed, changes to any existing medical condition already declared or a change to your treatment or prescribed medication (which can include a change in dosage which may be an increase or decrease in the amount of medication that you take) or you are waiting for tests or test results, or have been placed on a medical waiting list.

    If you are not sure whether something is relevant you must tell us anyway. Please note: we may wish to impose special terms, such as an additional premium.

  • Medical costs abroad can be very expensive especially if you have to be repatriated home. Without appropriate insurance cover you could be left severely out of pocket. You must, therefore, read the ‘Medical Warranty’ that is shown as you progress through this website in getting a quote and to accurately declare all medical conditions. If you give incorrect answers or forget to tell us about a medical condition, this could lead to a claim not being paid.

  • So that you (and anyone to be insured under Travel Addict Pre-existing Medical Policy) can be covered for existing medical condition(s), you must include all relevant medical history as shown below.

    A: Any respiratory condition (relating to the lungs or breathing); any heart, circulatory, kidney, liver, any condition relating to the pancreas e.g. diabetes, cerebral condition (relating to the brain); any stroke or central nervous system disorder; for which you have received treatment.

    B: Any cancer for which you have received any diagnosis or treatment.

    C: Any disease, illness or injury for which you have received surgery, in-patient or out-patient treatment, investigations in a hospital or clinic or have seen a specialist consultant within the last 2 years. D: Any psychiatric or psychological condition for which you have been diagnosed and/or treated.

  • We cannot cover terminal conditions on this website as we need to provide you with an individual assessment. Please contact us on 02392 419 883 and we will discuss your requirements to see if cover can be provided. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.

  • To enable us to cover waiting listed conditions you will need an individual assessment. Please contact us on 02392 419 883 so that we can review whether cover can be provided. We are open Monday – Friday 8am – 6pm, closed Bank Holidays.

  • Yes, the Underwriters need to be aware of all medical conditions including those that are under control by medication. This is important as otherwise a claim may be invalidated if medical conditions are not disclosed.

     

  • We can only medically screen a condition that has been diagnosed by the medical profession and therefore, we may not be able to offer cover until such time as your medical condition has been diagnosed. However, Please contact us on 02392 419 883 so that we can review whether cover can be provided. We are open Monday – Friday 8am – 6pm, closed Bank Holidays.

  • No, you must declare the position as of today.

SINGLE TRIP:


 

  • The start date of your policy should be the day that you leave home. Your end date should be the date you return home. Note that this could be a different day to the day you leave your holiday destination.
    Cancellation cover starts on the date you purchase your policy so even if your holiday/trip is some time away, you will be covered for cancellation until the day your trip starts.

  • The maximum duration of any single trip is 94 days (although for persons aged 76 years and over the maximum duration is 45 days). If you are travelling for longer than 45 days and you are aged 76 or over, please call us on 02392 419 883, we are open Monday to Friday 8am to 6pm, closed Bank Holidays.

  • You will not be covered if you travel outside the area you have chosen, as shown on your Policy Schedule.

    United Kingdom (England, Wales, Scotland, Northern Ireland and Isle of Man).

    Europe 1 – including: Austria, Azores, Belgium, Bulgaria, Channel Islands, Corsica, Croatia, Czech Republic, Denmark, Finland, France, Germany, Gibraltar, Hungary, Iceland, Italy, Liechtenstein, Luxembourg, Madeira, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russia (west of the Ural mountains), San Marino, Sicily, Slovak Republic, Slovenia and Sweden.

    Europe 2 – including Europe 1 shown above and the remaining countries west of the Ural mountains and Andorra, Balearics, Canary Islands, Cyprus, Greece, Morocco, Spain, Switzerland, Tunisia and Turkey.

    Australia & New Zealand (including up to 48 hours stopover in a country within a Worldwide area). Australia, including Territory of Cocos (Keeling Islands, The Territory of Christmas Island, Norfolk Island and Lord How Island) and New Zealand, including the Cook Islands, Niue and Tokelau. 

    Worldwide – including Egypt and Israel but excluding Canada, Caribbean, China, Hong Kong, USA, Afghanistan, Liberia and Sudan but including Egypt and Israel.

    Worldwide – including Canada, Caribbean, China, Hong Kong and USA but excluding Afghanistan, Liberia and Sudan. Full details of countries covered are shown under ‘Geographical Areas’ on page 5 in the Insurance Policy.

  • No, Pre-Existing Medical only covers round trips that start in and return to the United Kingdom or the Isle of Man. However, please contact us on 02392 419 883 as we may be able to offer an alternative policy. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.

     

  • Subject to Underwriters agreement, we can extend a Single Trip policy providing you let us know BEFORE your policy expires and that at the time of requesting the extension you are not intending to make a claim.

    Please note – this is subject to the total trip duration including the extended period not exceeding 94 days (45 days if aged 76 years or over), which is the maximum trip duration of the Single Trip policy. You will be advised of the additional premium at the time of the request

    Please contact us on 02392 419 883 to discuss your requirements. We are open Monday to Friday 8am – 6pm, closed Bank Holidays

  • No, we are unable to extend cover beyond the maximum duration limit.

ANNUAL MULTI-TRIP:


 

24-HOUR MEDICAL EMERGENCY SERVICE FAQ’S


 

  • Yes, the Travel Addict Pre-existing Medical Conditions insurance policy has a 24-hour medical emergency and repatriation service provided by:


    Pre-existing Medical Condition – 24 hour Medical Emergency Assistance +44 (0)203 829 6745.

    Further details of this service are shown in your Insurance Policy.

    Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills, arrange repatriation and, if required, provide a medical escort.

  • If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home.

    If you are admitted as an inpatient, or you require outpatient treatment which is likely to exceed £500, then you must contact the 24 hour Medical Emergency Assistance prior to receiving treatment.

MAKING A CLAIM:


 

  • You can pay by debit or credit card. We accept Mastercard and Visa.

     

  • Your policy schedule and policy documents are delivered to the email address you provide.
  • Yes you should print a copy of your Schedule and Policy Documents and carry them with you. The Policy Document includes important telephone numbers including the Medical Emergency Assistance Service that is available to you 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses.
  • If you are not completely satisfied with the cover provided you may return your policy to us within 14 days on receipt of your policy documents, provided that you have not already travelled and are not making a claim.

BUYING ONLINE:


 

  • Yes. The security of your personal information and payment details is of utmost importance to us. We use 128-bit encrypted SSL to help keep all of your data safe.

  • You can pay by debit or credit card. We accept Mastercard and Visa.

     

  • Your policy schedule and policy documents are delivered to the email address you provide.
  • Yes you should print a copy of your Schedule and Policy Documents and carry them with you. The Policy Document includes important telephone numbers including the Medical Emergency Assistance Service that is available to you 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses.
  • If you are not completely satisfied with the cover provided you may return your policy to us within 14 days on receipt of your policy documents, provided that you have not already travelled and are not making a claim.

OTHER COMMON QUESTIONS:


 

  • Travel Addict Pre-existing Medical Policies covers all types of cruises on both Single Trip and Annual Multi-trip policies, including Caribbean cruises, Mediterranean cruises and short break cruises.

    If you are visiting multiple countries on your cruise, please make sure you select the correct geographical area when getting a quote.

  • You must report any loss or thefts of passports to the local police as soon as possible. You will need the crime reference details which they will provide you with. You also need to report the loss or theft to the British embassy, consulate or high commission of the country you are in. They will be able to provide you with an emergency travel document. You can get details of your local British embassy, high commission or consulate by calling +44 (0)20 7008 1500 or by visiting the GOV.UK website. Please contact the British embassy, high commission or consulate before arranging travel to see them as you may need to book an appointment first.

     

  • You should check the GOV.UK website at least six weeks before you travel to see if you will need any vaccinations or other preventive measures. You may also like to speak to your G.P.

    Please note that we will not cover any expenses incurred as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication.
  • When you saved your quote, you will have been sent an email with your saved quote details and a link to retrieve your quote. Click on the link within this email and you will be taken to your saved quote.

    If you have any problems retrieving your quote, please call us on 02392 419 883 and we should be able to retrieve your quote for you.

  • This insurance is underwritten by URV, Branch Office of Union Reiseversicherung AG for the United Kingdom and the Republic of Ireland. Registered in England & Wales. Company No. FC024381 Branch No. Br006943. A public body corporate with limited liability. Registered Office: Maximilianstrasse 53, D-80530 Munich, Germany. Registered with Amtsgericht Munich, Germany Registered Number: HRB 137918.Union Reiseversicherung AG are authorised in Germany by BaFin and subject to limited regulation in the United Kingdom by the Financial Conduct Authority and in the Republic of Ireland by the Insurance Regulator. Union Reiseversicherung AG are members of the Financial Services Compensation Scheme. 


    Administered in the United Kingdom and Ireland by Travel Insurance Facilities plc. Registered Office: 1 Tower View, Kings Hill, West Malling, Kent ME19 4UY. Registered in England Registered Number: 3220410. Travel Insurance Facilities plc are authorised and regulated by the Financial Conduct Authority. You can check this information on the Financial Services Register by visiting the website https://register.fca.org.uk/ or by phoning 0800 111 6768 or 0300 500 8082.


    You can check this information on the Financial Services Register by visiting the website https://register.fca.org.uk/ or by phoning 0800 111 6768 or 0300 500 8082.

  • Travel Addict will cover all countries and areas except for Afghanistan, Liberia and Sudan and those countries which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation (WHO) or similar body has advised against all or all but essential travel.

  • Children aged under the age of 18 on the date you purchase your policy must be insured with an accompanying adult on the same policy.

  • We suggest that all travellers are insured on the same travel insurance policy. Travel Addict Pre-existing Medical Policies also covers people without existing medical conditions, which means you can insure your travelling companions on the same policy. As well as reduced premiums for those without medical conditions, you will ensure there are no gaps in cover that could arise if separate policies are purchased. For example, if you had to cancel your holiday due to your medical condition, your travelling companions on the same policy would also be covered for cancellation which may not be the case if they had taken out a policy elsewhere.

  • No, it is not possible to delete the policy excess.

  • Please read the Insurance Policy for details of the cover. If you have any questions regarding the cover, please contact us on 02392 419 883.

  • Travel Addict Pre-existing Medical Policies includes cover for a range of Winter Sports activities on payment of an additional premium. You must ensure that your usual treating G.P. is happy for you to participate in any winter sports activity. You must also follow the safety guidelines for the activity concerned and where applicable use the appropriate and recommended safety equipment. Please read the Insurance Policy for details of the activities covered.

  • Travel Addict Pre-existing Medical Policies automatically covers a wide range of activities. You must ensure that your usual treating G.P. is happy for you to participate in any sport or leisure activity. You must also follow the safety guidelines for the activity concerned and where applicable use the appropriate and recommended safety equipment. Please read the Insurance Policy for details of the ‘Acceptable Activities’ covered as standard.

  • An EHIC entitles you to reduced-cost, sometimes free, medical treatment that becomes necessary while you are in a European Economic Area (EEA) country or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway.


    The card gives access to state-provided medical treatment only. Remember, this might not cover all the things you would expect to get free of charge from the NHS in the UK. You may have to make a contribution to the cost of your care.

    You may apply for an EHIC online at: www.ehic.org.uk or by calling 0300 330 1350.
    Please note: An EHIC is no substitute for travel insurance cover. If you are admitted to a private hospital, the EHIC will not cover your treatment costs, nor will it cover any repatriation costs to get you back home.

  • Please contact us with your policy number (if known), the lead name and the address (for verification) and we will then resend the policy.

  • If you are travelling to Australia you can enrol in Medicare which will entitle you to subsidised hospital treatments and medicines. You can do this by contacting a local Medicare office in Australia. All claims for refunds under the Medicare scheme must be made before you leave Australia. For more information on Medicare: visit: www.medicareaustralia.gov.au or email: [email protected]

  • Yes, wheelchairs/mobility aids are covered for loss or damage up to £1,000 (Super) or £2,000 (Super Duper).

  • Super Duper cover provides up to £2,500 cover for any amounts already paid for the scheduled flight that you are unable to get back, if the airline on which you are booked becomes insolvent before your departure from your home country, causing you financial loss under Scheduled Airline Failure insurance.