Travel Insurance for Pre-Existing Medical Conditions

A pre-existing medical condition is a medical condition that existed before arranging your travel insurance. Covered2Go’s medical declaration requirements should be checked carefully to establish whether a condition needs to be declared and medically screened. You can check the applicable requirements in the Policy Wording.

With the exception of the specified conditions covered automatically under the current Policy Wording, you must declare medical conditions for which you have received treatment, advice or medication within the last 12 months.

If you’re unsure whether a condition needs to be declared, contact the Medical Screening Service on 0330 311 2648 before travelling.

Under the current Covered2Go Policy Wording, the following conditions do not need to be declared and are covered for no additional medical premium:

Acid reflux or gastric reflux, acne, blindness or partial sight, cataracts, deafness or partial hearing loss, glaucoma, hay fever, hypothyroidism, irritable bowel syndrome (IBS) and polycystic ovary syndrome (PCOS).

If you have another relevant medical condition as well, that condition may need to be declared and screened. Always check the current Policy Wording for the applicable requirements.

Where medical screening is required, there are two separate parts: purchasing your Covered2Go base travel insurance policy and arranging separate medical screening cover through Millstream Underwriting Limited.

You can complete either part first. During screening, you’ll answer questions about your medical condition and relevant medical history. Millstream will then confirm whether cover can be offered and whether an additional medical premium or special terms apply.

No. You can complete Millstream medical screening before or after purchasing your Covered2Go base travel insurance policy, and you do not need a Covered2Go policy number to complete the screening.

Where screening is required, make sure the relevant Covered2Go policy and accepted medical screening cover are both in place before you travel.

There is no guarantee that an additional premium will be required. Following screening, Millstream will confirm whether the condition can be covered and whether an additional medical premium or special terms apply.

If an additional premium is required, the condition will only be covered on the agreed terms once the required payment has been made.

Travel insurance may be available if you have diabetes, subject to medical screening and acceptance. The screening process will consider information about your condition, treatment and individual circumstances before confirming whether cover can be offered and on what terms.

Heart and circulatory conditions, including heart disease and high blood pressure, may be considered for cover following medical screening. Acceptance, any additional premium and applicable terms depend on your individual screening outcome.

Current or previous cancer diagnoses may be considered following medical screening. The screening outcome will depend on your individual circumstances, including relevant treatment and medical history.

Cover is not guaranteed and an additional premium or special terms may apply.

Asthma, COPD and other respiratory conditions may be considered for cover, subject to medical screening where required. Whether cover can be offered will depend on your individual screening outcome.

If you receive treatment, advice or medication for a new condition that has not already been declared between the date your policy is issued and the first day of your trip, you must contact the Medical Screening Service immediately.

For Annual Multi-Trip Travel Insurance, the applicable change-in-health requirements should also be checked before booking an individual trip.

Not every medical condition can necessarily be accepted. If cover cannot be offered following medical screening, specialist travel insurance providers may be able to help.

Covered2Go provides information about the medical travel insurance directory, which can help travellers find specialist providers.

Yes, cover may be available for eligible older travellers with pre-existing medical conditions, subject to the applicable medical declaration and screening requirements.

Covered2Go Single Trip Travel Insurance is available to eligible travellers up to age 99, while Annual Multi-Trip Travel Insurance is available up to age 85.

You can find more information about age limits and policy options on our travel insurance for over 65s page.

No. A GHIC is not a replacement for travel insurance. It can provide access to certain state-provided healthcare when travelling in participating countries, but it does not provide all the benefits available under a travel insurance policy, such as eligible cancellation, baggage or repatriation cover.

Travellers should check what their GHIC and travel insurance each cover before travelling.

For declaring a medical condition, completing medical screening or reporting a relevant change in health, contact the Medical Screening Service on 0330 311 2648.

For questions about your Covered2Go base travel insurance quote or policy, contact Covered2Go Customer Care on 0333 400 7745.