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Medical Cover & Travel Insurance FAQs

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What medical cover do I get on your policies?

You receive up to £10 million in medical expenses cover and a £1200 hospital benefit on the Superior policy. For our Essential and Essential Plus policies you receive up to £5 million in medical expenses cover and a £600 hospital benefit. Our Standard policy offers £2.5 million in medical expenses cover and a £300 hospital benefit. Please read our Medical Travel Insurance page for more information.

What is a pre-existing medical condition?

A pre-existing medical condition is any health/medical condition that exists, has been diagnosed, treated, known about or has been/is currently under investigation prior to the start date of the policy.

Failure to disclose a medical condition could lead to your cover becoming invalid.

What is Medical Screening?

Medical Screening is the name for the medical questionnaire that you can complete on our website prior to purchasing your travel insurance with us.

Our medical screening questionnaire will firstly assess whether you have a pre-existing medical condition and secondly the risk level of any pre-existing medical condition.

Traditionally, insurance policies do not cover pre-existing medical conditions. However, by conducting a medical screening to analyse the risk level of a medical condition, we are often able to offer you insurance which will include cover for your pre-existing medical condition.

Will I be covered for pre-existing medical conditions?

If you have completed our online medical screening process you will be given the opportunity to add cover for your pre-existing medical conditions for an additional premium.

Is pregnancy classed as a 'pre-existing medical conditions'?

Pregnancy is not considered a pre-existing medical condition. However, if you are pregnant it is important to be aware of exactly when your policy does and does not cover with regards to medical treatment. Please visit our Pregnancy Travel Insurance page for more information.

Please contact us if you have any questions regarding your pregnancy and travel insurance.

What happens if I give birth prematurely while abroad?

If you give birth prematurely while abroad, your policy will cover your emergency medical expenses within the limits of your travel insurance policy. Your pregnancy travel insurance policy also covers the repatriation of you and your baby back to the UK, if necessary.

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