Pre-existing Medical Conditions
Covered2Go may provide cover for pre-existing medical conditions, so long as these have been declared to and accepted by our Medical Screening Service.
You can complete your medical screening online, simply click here to get started. The link will open a new webpage and you can begin screening immediately.
You can arrange coverage for pre-existing medical conditions either before or after purchasing your Covered2Go policy. Please note that this will require two separate transactions: one for the medical coverage and another for your Covered2Go policy.
We will be integrating medical screening into our customer journey soon, to further enhance your online experience and we appreciate your patience with us while we get this in place.
If you would prefer to speak to the Medical Screening Service, please call +44 (0)330 311 2648.
Important Information:
For full travel insurance cover with medical conditions, you must purchase a policy from covered2go.co.uk, as well as, declaring your conditions to our Medical Screening Service, the two policies will run concurrently.
Make a note of the Covered2Go product that most suits your needs and give our Medical Screening Service a call.
Automatically covered pre-existing medical conditions
Please note this insurance contains restrictions regarding pre-existing medical conditions. You do not need to declare any of the following conditions as they will be covered for no additional premium
Acid reflux, Gastric reflux, Acne, Blindness or partial sightedness, Cataracts, Deafness (or Partial hearing loss), Glaucoma, Hay fever, Hypothyroidism, Irritable bowel syndrome (IBS), Polycystic ovary syndrome.
Health Declaration
With the exception of the conditions listed above, you must declare all medical conditions for which you have received treatment, advice or medication in the last 12 months, either online at http://ctg.millstreamonline.com/ or by telephone 0330 311 2648.
Failure to contact us could leave you with no right to make a claim, and may mean that you travel with insufficient cover. If cover can be provided for your condition, you will be given a medical screening endorsement upon receipt of payment.
Change in Health
If any of the reasons stated in the Health Declaration above occur between the date the policy is issued and before the first day of your trip, you must notify the Medical Screening Service immediately on +44 (0)330 311 2648.
You must advise us to the best of your knowledge about anything that you think could give rise to a claim, particularly where your own health, or the health of a relative is concerned. We will not cover medical problems referred to in the Health Declaration unless declared to us and accepted by us in writing.
We will then decide if we can provide you with cover on existing terms. We may ask you to pay an additional premium or add special conditions to the policy. If we cannot provide cover, or if you do not want to pay the additional premium, you can cancel your policy and we will send you a pro-rata refund (subject to no known or reported claims). Alternatively, you can make a cancellation claim if you have booked and paid for a trip that you have not yet made, subject to the terms and conditions as detailed in Section 1: Cancellation.
We reserve the right not to extend the policy where the booked trip could be detrimental to your wellbeing. Failure to contact us could leave you with no right to make a claim and may mean that you travel with insufficient cover.
Pregnancy
As is consistent with the treatment of all medical conditions under the policy, the policy does not intend to cover the normal costs or financial losses otherwise associated with pregnancy (including multiple pregnancy) or childbirth. This includes, but is not limited to, delivery by caesarean section or any other medically or surgically assisted delivery which does not cause medical complications. The policy does, however, cover you should complications arise with your pregnancy due to accidental bodily injury or unexpected illness which occurs while on your trip excluding costs incurred during the period between 12 weeks before and 12 weeks after the estimated date of delivery.
This is not a private medical health insurance policy
We will pay for private treatment only if there is no appropriate reciprocal health agreement in existence and no public service available and we reserve the right to organise a transfer from a private medical facility to a public medical facility where appropriate.
In the event of medical treatment becoming necessary for which reimbursement will be sought, we or our representatives will require unrestricted access to all of your medical records and information.
