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Travel insurance and pre-existing conditions

We can offer travel insurance even if you have pre-existing conditions (which has options for annual travel insurance, winter sports, golf, wedding and business cover - and car breakdown cover in Europe) at normal terms providing you can confirm the following declaration. Even if you can't you can still refer your conditions to a screening line to obtain terms. These rates are competitive in themselves, the policy has a low excess (£35.00 which can be deleted!) and the product is suitable for virtually any age for travel up to 180 days. The annual policy has options for 30, 45 or 60 days per trip. (For annual policies you must be able to accept the declaration each time you arrange a trip)

The Declaration for pre-existing conditions

  • Nobody is waiting for an operation, hospital consultation (other than for regular check ups), or other hospital treatment or investigations
  • Nobody has received treatment for:-
    • any blood disorder
    • Dialysis treatment
    • Any form of cancer, leukaemia or tumour
    • any psychiatric illness
    • a transplant
    • dementia
  • Nobody, diagnose as HIV positive has required treatment for HIV or any HIV related illness
  • Nobody has any breathing or heart problems which has needed hospital treatment in the last 12 months
  • Nobody has been seen by a specialist in the last three months (other than for regular check ups) or been admitted to hospital overnight
  • nobody has been given a terminal prognosis by a registered doctor
  • I do not know of any reason (medical or otherwise) why the trip is likely to be cut short
  1. If you cannot agree to the above declaration please contact us with full details as we can refer matters to a screening line.
  2. If there is a change in your conditions after you take out the insurance but before you travel you must contact the number above. They will advise if cover can continue. If cover can't continue you will be able to claim for the cost of cancellation

For annual multi-trip cover you must agree with this declaration each time you book a trip.

For a close relative or business associate, or anyone else who is not an insured person and whose health may affect the trip.

If at the time of taking out this insurance (or booking the trip if later) they had a condition for which they were:-

  • were receiving medical treatment at hospital
  • were waiting for a hospital consultation or treatment
  • Had been given a terminal prognosis , or been told that their condition is likely to get worse in the next 12 months

Cover will not be provided for any problem which has anything to do with that medical condition

If you want travel insurance with pre-existing conditions then travel insurance for pre-existing conditions is now available online. Select 'Fortis' as the insurer.

Over 65?

If you are over 65 then the Fortis travel insurance policy is probably not suitable for you. If you want over 65 travel insurance, we do have travel insurance for the over 65 but you will have to refer to medical screening lines to confirm cover.

If you want to discuss your needs please ring us on 0844 8262617 or, if you get no reply, our Gateshead office on 0844 8262618

We also offer landlords insurance - for more on landlords insurance just click the link. Buy to let insurance is also available - obtain a buy to let insurance quote for residential property