Travel Insurance with Medical Conditions
What are pre-existing medical conditions?
Pre-existing conditions are medical conditions that existed before an insurance policy was taken out. You may have received treatment (including surgery, tests or investigations by a doctor or a consultant/specialist and prescribed drugs or medication) for these conditions.
I have a pre-existing medical condition; can I still take out a policy?
You can get a travel insurance quote and check if we're able to cover your pre-existing medical condition, under the Single Trip or the Backpacker policy.
I successfully manage my medical conditions; should I still list them?
The following are some examples of common conditions that may be overlooked but which should be declared:
> High blood pressure;
> Respiratory problems;
> Inflammation of joints;
> Neurological conditions (e.g. stroke or epilepsy);
> Mental health or psychiatric conditions (e.g. anxiety or depression);
> Treatment and conditions related to cancer (usually within the last five years).
It's very important that you tell us about any existing medical conditions that you, or anybody else to be insured by our policies, have. It is unlikely that we will pay any claim for medical expenses, cancellation or cutting short a trip if it relates to a medical condition that you have not told us about (and that we have agreed to cover).
Is there anything that Allianz Assistance doesn’t cover for?
> Against medical advice or not being fit to travel on the planned trip;
> To obtain and / or receive any elective surgery, procedure or hospital treatments;
> Knowing they will need medical treatment during the trip;
> If they’ve been told they have a terminal condition.
In addition, Allianz Assistance does not cover you for any directly or indirectly related claims arising from any pre-existing medical condition unless it is declared and accepted by us.
What is an indirect medical claim?
> Suffer with asthma, chronic obstructive pulmonary disease or other lung disease, you are more likely to get a chest infection;
> Have high blood pressure, high cholesterol, or diabetes, you are more likely to have a heart attack or a stroke;
> Have osteoporosis, you are more likely to break or fracture a bone;
Note: For an indirect medical claim, you will not be covered for any directly or indirectly related claims arising from the health of a travelling companion, someone you were going to stay with, a close relative or a business associate if at the time your policy was issued:
> You were aware they have been receiving medical treatment or consultation at any medical facility for a medical condition in the last 12 months;
> You were aware they have been awaiting medical treatment or consultation at any medical facility or have been under investigation for a medical condition;
> You were aware that a doctor had diagnosed them as having a terminal condition, or that their medical condition was likely to get worse in the next 12 months.
It is important to note that a policy does not act as a private medical insurance policy and only gives cover for emergency medical treatment in the event of accident or unexpected illnesses occurring during your journey.
How to declare your pre-existing medical conditions
I haven’t declared a pre-existing medical condition; am I still covered?
Where can I find the terms and conditions of my policy?
If you have any questions or need more information, please call us on 0371 200 0428 (from 9am to 5pm - Monday to Friday).