General Medical Questions:
- I already have a policy but have recently been diagnosed with a new medical condition, what should I do?
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.
- In 2 week’s time I will have finished my treatment, can I say ‘no’ to the question concerning ongoing treatment?
No, you must declare the position as of today.
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.