Existing Medical Condition Cover
Travel Insurance for People with Pre-Existing Medical Conditions
If you or your travelling companion has an existing medical condition, Cover-More will be pleased to provide you with travel insurance. In many cases, we can provide your travel insurance cover at no extra cost and with no time-consuming assessment process.
Some of the pre-existing conditions we automatically cover, subject to policy requirements, include:
- various cancers
- hip / knee replacement
- cataracts / glaucoma
- diabetes/glucose intolerance
- gastric reflux
- hypertension (high blood pressure)
For complete information on our existing medical travel cover, review your full policy brochure or contact us. Even if your particular condition is not listed in our brochure as automatically covered, in many cases you can still tailor your travel insurance cover to your needs.
If your pre-existing condition isn’t among those that are automatically covered under our policies you should select "Yes" for the question "Do any travellers require cover for an existing medical condition" in the existing medical condition page just after you have received your travel insurance premium quotation on this website. You will then be able to complete a quick online medical assessment process to see if we can cover your pre-existing medical condition(s). We’ll do our best to meet your needs and provide you with the best, most affordable travel insurance cover.
For a full list of these automatically accepted conditions and their requirements please refer to the Existing Medical Conditions section of the relevant Policy brochure (see The Cover section of our website for further details).
If you suffer from a medical event after you purchase your policy, but before you travel then please complete the New Medical Condition After Policy Issue form and return it to us via fax.
We are pleased to provide automatic travel insurance pregnancy cover on all of our international plans. Your policy will cover unexpected serious complications which happen up to and including 26 weeks of pregnancy.
In certain cases, you must apply for additional cover; specifically, if you are aware of the pregnancy at the time of policy issue and:
- There have been complications with this or any previous pregnancy and/or
- The conception was medically assisted.
Some restrictions apply to all pregnancies. For example, we are unable to provide cover for childbirth or the health of a newborn child regardless of the stage of pregnancy at which the child is born. Please take these considerations into account if you are considering travelling while more than 20 weeks pregnant.