Travel Insurance for Pre-Existing Medical Conditions

The current process involves two separate purchases: a Covered2Go base travel insurance policy and separate medical screening cover from Millstream Underwriting Limited.

Medical screening can be completed online through the Millstream website or by calling the Medical Screening Service on 0330 311 2648. You can complete the screening before or after purchasing your Covered2Go policy, the order does not matter.

You do not need a Covered2Go policy number to complete medical screening. If cover can be offered, Millstream will confirm any additional medical premium or special terms. Once any required premium has been paid, you will receive a medical screening endorsement and reference.

You may provide your Millstream screening reference to Covered2Go if you would like it added to our records, but this is optional. Make sure both your Covered2Go base policy and any required medical screening cover are in place before you travel.

Yes. You can complete medical screening before or after purchasing your Covered2Go base travel insurance policy—the order does not matter. Medical screening is arranged separately through Millstream Underwriting Limited, either online or by telephone.

If medical screening is required, make sure both your Covered2Go base policy and your separate medical screening cover are in place before you travel.

No. You do not need a Covered2Go policy number to complete medical screening with Millstream.

After completing the screening, Millstream will provide a medical screening reference. You may give this reference to Covered2Go if you would like us to add it to our records, but this is optional and is not required to complete either purchase.

Travel insurance that includes your pre-existing medical conditions may provide cover if an accepted condition affects your trip. This could include eligible emergency medical treatment abroad or cancellation where permitted by the policy terms. Your conditions must be declared through medical screening and accepted for cover. You will also need both the Covered2Go base policy and the separate medical screening cover.

If you do not declare a medical condition when required, claims connected to that condition may not be covered. It is important to answer the medical screening questions fully and accurately and to tell us about any relevant changes in health before travelling. Please check the policy wording for the full terms, conditions and exclusions.

Cancellation relating to an accepted pre-existing medical condition may be covered, subject to the cover level you choose and the policy terms, limits and exclusions. The condition must have been declared and accepted through medical screening, with both the Covered2Go base policy and separate medical screening cover in place.

Cover may be available depending on the condition and the outcome of the medical screening. You can complete the screening online or by telephone, and you will be told whether cover can be offered and whether an additional premium applies. In some circumstances, Millstream may be unable to offer medical screening cover.

Eligible emergency medical expenses abroad relating to an accepted pre-existing medical condition may be covered, subject to the policy terms, limits and exclusions. You must complete medical screening and purchase any medical screening cover offered, alongside your Covered2Go base policy, before travelling.

If your health changes between the date you buy your policy and your departure date — including new symptoms, tests, diagnoses or medication changes — you must contact the Medical Screening Service immediately. They will determine whether your cover remains valid, whether additional premium or conditions apply, or whether cover can no longer continue. Failure to report a change in health may mean you are travelling without valid medical cover.

Yes. Some common, stable conditions are covered automatically at no additional premium and do not require medical screening. These include conditions such as acid reflux, cataracts, IBS, PCOS, and others listed in your Policy Wording. If these are your only conditions and no other diagnoses apply, your pre-existing medical conditions cover is included without additional steps. All other conditions must be declared and screened.

Routine pregnancy and childbirth costs are not covered, as they are not considered medical emergencies. However, unexpected complications arising from accidental injury or illness during your trip may be covered, depending on your stage of pregnancy and policy terms. Cover does not apply to costs incurred during the period between 12 weeks before and 12 weeks after your estimated due date. Any pregnancy-related complications should be declared during medical screening.

No. Travel insurance is not private medical insurance and does not guarantee access to private healthcare abroad. Private treatment is only covered when there is no appropriate state-funded medical service or reciprocal healthcare arrangement available. The insurer may arrange transfer to a public facility where appropriate. In the event of a claim, unrestricted access to relevant medical records may be required.