Important Conditions Relating To Health

Note: These conditions operate in respect of each Insured Person and their Travelling Companion (if any) at the time the Policy is purchased or the Holiday is booked whichever is latest.


1. Conditions applicable to Travellers

  1. The Insured Person or their Travelling Companion must not be:
    1. receiving or waiting for medical treatment at a hospital or nursing home;
    2. waiting for investigation or referral, or the results of any investigation, medical treatment or surgical procedure, for any condition, whether diagnosed or undiagnosed.
    3. choosing not to take prescribed medication, or the correct dose of prescribed medicine.
    4. travelling against the advice of a Qualified Medical Practitioner;
    5. travelling to obtain medical, dental or cosmetic treatment;
    6. travelling with a terminal condition;
    7. aged 50 or over at the time of issue.

  2. Subject to the above, if the Insured Person or their Travelling Companion has any pre-existing condition, they must get approval in writing from their Qualified Medical Practitioner that they are fit to travel before booking their Holiday. Please turn overleaf to see Medical Conditions which do not require completion of the Medical Declaration Form.

  3. The Insured Person, or any acting on their behalf, must not be aware at the time of booking of any reason why any Holiday might be cancelled or curtailed.

2. Conditions with regard to the health of Close Relatives or of anyone else on whom the Holiday might depend. Note: These pre-requirements operate at the time the Policy is purchased or the Holiday is booked whichever is latest.

  1. Cover will not apply for claims Due to a Close Relative or anyone else on whom the Holiday depends having:
    1. a pre-existing Medical Condition unless that person�s Qualified Medical Practitioner can state that, at the date of Policy purchase or trip booking (whichever is later) he/she would have seen no substantial likelihood of that person�s condition deteriorating to such a degree to cause a necessary cancellation or curtailment claim. If the Qualified Medical Practitioner will not confirm this, any claim arising from a pre-existing Medical Condition will be excluded.
    2. a terminal prognosis,
    3. any set of symptoms where a diagnosis has not been made; or
    4. any Medical Condition for which the Close Relative is on a waiting list for or has knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.

Automatically Accepted Medical Conditions

Note: Completion of the Medical Declaration Form is unnecessary for these conditions.
The following Medical Conditions are covered automatically provided that the Insured Person has no more than FIVE of these conditions simultaneously and that the �Important Conditions Relating to Health� are met:
  • A
    Abnormal Smear Test, Achilles Tendon Injury, Acne, Acronyx (Ingrowing Toe-nail), Adenoids, Allergic Rhinitis, Alopecia, Anal Fissure/ Fistula, Appendectomy, Astigmatism, Athlete�s Foot (Tinea Pedis), Attention Deficit Hyperactivity Disorder

  • B
    Bell�s Palsy (Facial Paralysis), Benign Prostatic Enlargement, Bladder Infection (no ongoing treatment, no hospital admissions), Blepharitis, Blindness, Blocked Tear Ducts, Breast Fibroadenoma, Breast Cyst(s), Breast Enlargement/Reduction, Broken Bones (other than head or spine) - (no longer in plaster), Bunion (Hallux Valgus), Bursitis,

  • C
    Caesarean Section, Candidiasis (oral or vaginal), Carpal Tunnel Syndrome, Cartilage Injury, Cataracts, Cervical Erosion, Cervicitis, Chalazion, Chicken Pox (fully resolved), Cholecystectomy, Chronic fatigue syndrome (if only symptom is fatigue and no hospital admissions), Coeliac Disease, Cold Sore (Herpes Simplex), Common Cold(s), Conjunctivitis, Constipation, Corneal Graft, Cosmetic Surgery, Cyst Breast, Cyst Testicular, Cystitis (no ongoing treatment, no hospital admissions), Cystocele (fully recovered, no hospital admissions),

  • D
    D & C, Deaf Mutism, Deafness, Dental Surgery, Dermatitis (no hospital admissions or consultations), Deviated Nasal Septum, Diarrhoea and/or Vomiting (resolved), Dilatation and Curettage, Dislocations (no joint replacement or hospital admissions), Dry Eye Syndrome, Dyspepsia,

  • E
    Ear Infections (resolved must be all clear prior to travel if flying), Eczema (no hospital admissions or consultations), Endocervical Polyp, Endocervicitis, Endometrial Polyp, Epididymitis, Epiphora (Watery Eye), Epispadias, Epistaxis (Nosebleed), Erythema Nodosum, Essential Tremor

  • F
    Facial Neuritis (Trigeminal Neuralgia), Facial Paralysis (Bell�s Palsy), Femoral Hernia, Fibroadenoma, Fibroid Uterine, Fibromyalgia, Fibromyositis, Fibrositis, Frozen Shoulder

  • G
    Gall Bladder Removal, Ganglion, Glandular Fever (full recovery made), Glaucoma, Glue Ear (resolved must be all clear prior to travel if flying), Goitre, Gout, Grave�s Disease, Grommet(s) inserted (Glue Ear), Gynaecomastia

  • H
    Haematoma (external), Haemorrhoidectomy, Haemorrhoids (Piles), Hallux Valgus (Bunion), Hammer Toe, Hay Fever, Hernia (not Hiatus), Herpes Simplex (Cold Sore), Herpes Zoster (Shingles), Hip Replacement (no subsequent arthritis and never any dislocation of a joint replacement), Hives (Nettle Rash), Housemaid�s Knee (Bursitis), HRT (Hormone Replacement Therapy), Hyperthyroidism (Overactive Thyroid), Hypospadias, Hypothyroidism (Underactive Thyroid), Hysterectomy (provided no malignancy)

  • I
    Impetigo, Indigestion, Influenza (full recovery made), Ingrowing Toe-nail (Acronyx), Inguinal Hernia, Insomnia, Intercostal Neuralgia (no admissions), Intertrigo, Irritable Bowel Syndrome (IBS) (provided definite diagnosis made and no ongoing investigations)

  • K
    Keinboeck�s Disease, Keratoconus, Knee Injury Collateral/ cruciate ligaments, Knee Replacement (no subsequent arthritis and never any dislocation of a joint replacement), Kohlers Disease

  • L
    Labyrinthitis, Laryngitis, Learning Difficulties, Leptothrix, Leucoderma, Lichen Planus, Ligaments (injury), Lipoma

  • M
    Macular Degeneration, Mastitis, Mastoidectomy (resolved must be all clear prior to travel if flying), Menopause, Menorrhagia, Migraine (provided definite diagnosis made and no ongoing investigations), Miscarriage, Mole(s), Molluscum Contagiosum, Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue and no hospital admissions), Myxoedema

  • N
    Nasal Infection, Nasal Polyp(s), Nettle Rash (Hives), Neuralgia (no hospital admissions), Nosebleed(s), Nystagmus

  • O
    Osgood-schlatter�s Disease, Osteochondritis, Otosclerosis, Overactive Thyroid

  • P
    Parametritis, Pediculosis, Pelvic Inflammatory Disease, Photodermatosis, Piles, Pityriasis Rosea, Post Viral Fatigue Syndrome (if the only symptom is fatigue and no hospital admissions), Pregnancy (provided no complications), Prickly Heat, Prolapsed Uterus (womb), Pruritis, Psoriasis (no hospital admissions or consultations)

  • R
    Repetitive Strain Injury, Retinitis Pigmentosa, Rhinitis (Allergic), Rosacea, Ruptured Tendons

  • S
    Salpingo-oophoritis, Scabies, Scalp Ringworm (Tinea Capitis), Scheuermann�s Disease (provided no respiratory issues), Sebaceous Cyst, Shingles (Herpes Zoster), Sinusitis, Skin Ringworm (Tinea Corporis), Sleep Apnoea (no machine used to assist breathing), Sore Throat, Sprains, Stigmatism, Stomach Bug (resolved), Strabismus (Squint), Stress Incontinence (no urinary infections)

  • T
    Talipes (Club Foot), Tendon Injury, Tennis Elbow, Tenosynovitis, Termination of Pregnancy, Testicles Epididymitis, Testicles Hydrocele, Testicles Varicocele, Testicular Cyst, Testicular Torsion (Twisted Testicle), Throat Infection(s), Thrush, Thyroid Overactive, Thyroid Deficiency, Tinea Capitis (Scalp Ringworm), Tinea Corporis (Skin Ringworm), Tinea Pedis (Athlete�s Foot), Tinnitus, Tonsillitis, Tooth Extraction, Toothache, Torn Ligament, Torticollis (Wry Neck), Trichomycosis, Trigeminal Neuralgia, Turner�s Syndrome, Twisted Testicle

  • U
    Umbilical Hernia, Underactive Thyroid, Undescended Testicle, Urethritis (fully recovered, no hospital admissions), URTI (Upper Respiratory Tract infection) (resolved, no further treatment), Urticaria, Uterine Polyp(s), Uterine Prolapse

  • V
    Varicocele, Varicose Veins - legs only, never any ulcers or cellulitis (if GP has confirmed that client is fit to travel), Vasectomy, Verruca, Vitiligo

  • W
    Warts (benign, nongenital), Womb Prolapse (uterus), Wry


The following Medical Conditions are covered automatically accepted provided that the Insured Person has no more than ONE of the conditions and no other pre-existing Medical Condition.
Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis, Reiter�s Syndrome, Rheumatism):
  • There must have been NO hospital admissions within the last 12 months
  • Must NOT affect the back more than any other area of the body
  • No more than 2 medications
  • No mobility aids (other than walking stick or frame)
  • There must have been NO dislocations of any joint replacements
  • Must NOT be awaiting surgery
  • Must have NO lung problems/respiratory disorders
Asthma (Wheezing):
  • There must have been NO hospital admissions EVER
  • Must have been diagnosed prior to age 50
  • Must be controlled with no more than 2 medications (NO nebuliser, NO home oxygen)
  • Must have been a non-smoker for at least 12 months
  • Must always be able to walk 200 yards on the flat without becoming short of breath
Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only
  • Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only
  • Controlled by diet alone or by no more than 1 medication (no Insulin)
  • There must have been NO hospital admissions or diabetic complications EVER
  • Must have been a non-smoker for at least 12 months
Hypercholesterolaemia (High/Raised Cholesterol):
  • No more than 1 medication
  • Must NOT be the inherited (genetic) form
  • Must have been a non-smoker for at least 12 months
Hypertension (High Blood Pressure, White Coat Syndrome):
  • No more than 2 medications
  • There must have been no change in treatment within the last 6 months
  • Must have been a non-smoker for at least 12 months
Hypotension (Low Blood Pressure):
  • Must NOT be associated with any underlying condition
Osteoporosis (Osteopaenia, Fragile Bones):
  • There must have been no broken bones within the last 5 years
  • There must have been NO vertebral (backbone) fractures
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UK Office: Parkview, 82 Oxford Road, Uxbridge, UB8 1UX.
Telephone   0333 355 0259  |   [email protected]  
Parkview, 82 Oxford Road, Uxbridge, UB8 1UX.
Telephone  0333 355 0259
[email protected]