We use cookies to improve your browsing experience and help us improve our websites.

By continuing to use our website, you agree to our use of such cookies. Find out more about cookies

Alianz Global Assistance
close

Travel Insurance with Medical Conditions

What is a pre-existing medical condition?

Pre-existing medical conditions are medical conditions that exist before you apply to purchase an insurance policy. 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?

Allianz Global Assistance will only consider pre-existing medical conditions for Single-Trip and Backpacker policies. If you have any pre-existing medical conditions to declare, you will not be able to purchase an Annual Multi-Trip travel insurance 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?

There are many medical conditions which are routinely managed using medicine and other forms of treatments. Some conditions are controlled so successfully and have such a minimal effect on lifestyle, that it’s possible to forget they exist and why some people believe they do not have to declare them, or consider them too trivial to mention when applying for travel insurance. 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 Global Assistance doesn’t cover for?

A travel insurance policy from Allianz Global Assistance does not cover anyone travelling:

> 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 Global 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?

An indirectly related claim is referred to as a medical problem that is more likely to happen because of another medical problem you already have. Sometimes these medical conditions can lead to the development of other conditions. For example, if you:

> 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

A policy from Allianz Global Assistance is issued based on the answers that you give to the health questions asked at the time of taking out the insurance for Single Trip or Backpacker products only. You’ll need to disclose all your medical history including recurring injuries or illnesses, on-going or lifelong conditions, previous surgeries and any conditions you are currently suffering from. If in doubt, declare. Please note that for Annual Multi-Trip, we don’t cover any pre-existing medical conditions.

I haven’t declared a pre-existing medical condition; am I still covered?

A policy from Allianz Global Assistance is issued based on the answers that you give to the health questions asked at the time of taking out the insurance for Single Trip or Backpacker products only. You’ll need to disclose all your medical history including recurring injuries or illnesses, on-going or lifelong conditions, previous surgeries and any conditions you are currently suffering from. If in doubt, declare. Please note that for Annual Multi-Trip, we don’t cover any pre-existing medical conditions.

Where can I find the terms and conditions of my policy?

If you have purchased a policy, full terms and conditions can be found in your policy documentation sent via e-mail. If you have not yet purchased a policy, you can review the terms and conditions.
If you have any questions or need more information, please call us on 0371 200 0428 (from 9am to 5pm - Monday to Friday).