Have you or anyone in your party, or anyone on whose health your holiday may depend:

1) taken any medication or required medical treatment within the last 12 months?

2) been registered as a hospital in or out-patient in the last 12 months?

3) been placed on a hospital waiting list for investigations or treatment, or awaiting results of tests and investigations?

4) been diagnosed by a doctor or consultant as suffering from a terminal illness or anxiety or depression or any psychiatric condition before you apply for insurance?

To avoid confusion, we want to highlight what we will and will not cover with regard to claims for ill-health.

Pre-existing medical conditions

We will cover you for those pre-existing conditions or disabilities you disclosed to us and we accepted in writing.

We will not cover you for ones you did not disclose to us or we did not accept in writing.

We will not cover you for ones you disclosed but elected not to cover.

Change in state of health

You must tell us if your state of health changes before you commence your journey, i.e. if you develop a new condition or the pre-existing one deteriorates. We have the right to amend, restrict or cancel your cover under this policy.

If you wish to declare a medical condition, have a query relating to a medical condition, or your medical circumstances have changed, please call the Medical Helpline on 0843 208 2054.