Where a customer has a pre-existing medical condition, customers will be required to declare this condition to ensure that they have full cover in place. When declaring medical conditions, customers will be asked to complete a medical screening process where questions are asked about the condition so that risk can be assessed. In most cases, we will be able to provide cover for the medical condition by paying an additional premium. This premium is optional, so a customer can choose not to have cover, but we would encourage customers to travel with full cover. Very low risk conditions can be covered with no additional premium.
In some cases, we may not be able to offer cover for the declared medical conditions. In those instances, we cannot offer a policy and would provide a link to a company that we have partnered with that specialise in covering existing medical conditions.
Customers that have a medical condition have access to a directory that has been set up by the Money and Pensions Service on behalf of the Financial Conduct Authority. This has been created to give customers with pre-existing medical conditions a place where they can easily access details of companies that specialise in providing cover to assist customers if they are having difficulty getting competitively priced cover, or any cover at all. The directory can be accessed by clicking here or by calling 0800 138 7777.