Automatic Pre-existing Medical Cover

Unlike most travel insurance policies, we don’t penalise you if you have a medical history. Although there are some conditions that we exclude from cover, we have a significant list of medical problems that we actually cover free of charge.

  • Acne
  • Allergies, limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
  • Asthma
    • providing that you:
    • have no other lung disease, and
    • are less than 60 years of age at the date of policy purchase
  • Bell’s Palsy
  • Benign Positional Vertigo
  • Bunions
  • Carpal Tunnel Syndrome
  • Cataracts
  • Coeliac Disease
  • Congenital Blindness
  • Congenital Deafness
  • * Diabetes Mellitus (Type I)
    • providing you:
    • were diagnosed over 12 months ago, and
    • have no eye, kidney, nerve or vascular complications, and
    • do not also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia, and
    • are under 50 years of age at the date of policy purchase
  • * Diabetes Mellitus (Type II)
    • providing you:
    • were diagnosed over 12 months ago, and
    • have no eye, kidney, nerve or vascular complications, and
    • do not also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia
  • Dry Eye Syndrome
  • Epilepsy
    • providing there has been no change to your medication regime in the past 12 months
  • Folate Deficiency
  • Gastric Reflux
  • Goitre
  • Glaucoma
  • Graves’ Disease
  • Hiatus Hernia
  • *Hypercholesterolaemia (High Cholesterol)
    • provided you do not also suffer from a known cardiovascular disease and/or Diabetes
  • *Hyperlipidaemia (High Blood Lipids)
    • provided you do not also suffer from a known cardiovascular disease and/or Diabetes
  • *Hypertension (High Blood Pressure)
    • provided you do not also suffer from a known cardiovascular disease and/ or Diabetes
  • Hypothyroidism, including Hashimoto’s Disease
  • Impaired Glucose Tolerance
  • Incontinence
  • Insulin Resistance
  • Iron Deficiency Anaemia
  • Macular Degeneration
  • Meniere’s Disease
  • Migraine
  • Nocturnal Cramps
  • Osteopaenia
  • Osteoporosis
  • Pernicious Anaemia
  • Plantar Fasciitis
  • Raynaud’s Disease
  • Sleep Apnoea
  • Solar Keratosis
  • Trigeminal Neuralgia
  • Trigger Finger
  • Vitamin B12 Deficiency
  • * Diabetes (Type I and Type II) , Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for cardiovascular disease. If you have a history of cardiovascular disease, and it is a Pre-existing Medical Condition, cover for these conditions is also excluded.