Travel Insurance for Pre Existing Medical Conditions

What should I do if I have a pre existing medical condition?

If you have a pre-existing medical condition then cover for your condition may be offered. You will need to declare your medical condition through our online Mondial Assistance Health Screen system. Please Click Here and follow the simple online questions. There may be an additional premium for your condition. You will need to pay this seperately in addition to our core travel insurance policy.

If you prefer you can speak to one of our Health Screening consultants on 0845 618 0344

Any additional premiums for pre-existing medical conditions must be paid direct to Citybond who will then give you a reference number. You can do this either before or after purchasing your travel insurance policy.

Our travel insurance with medical conditions policies operate on the following basis:

  1. You must be healthy, fit to travel and able to undertake your planned trip.
  2. You will not be covered if you travel against the advice of a doctor or where you would have been if you had sought their advice before beginning your trip.
  3. You will not be covered if you know you will need medical treatment or consultation during your trip.
  4. You will not be covered if you had any undiagnosed symptoms for which you were awaiting investigations or consultations or the results of investigations and where the underlying cause had not been established.
  5. You will not be covered if you are travelling specifically for the purpose of obtaining and / or receiving any elective surgery, procedure or hospital treatment.

So if you have, or are concerned that you may have a pre-existing medical condition, don't worry cover can still be available for most pre-existing medical conditions.

Other Common Medical Conditions

What is a pre existing medical condition?

If you are not sure whether you have a pre existing medical condition please the following. It is very important that you read and understand the following and declare any existing medical conditions to us. If you answer yes to a,b or c then you must get medical screening by Clicking Hereor calling 0845 618 0344

  • You will not be covered for any directly or indirectly related claims arising from the following if at the time of taking out this insurance you:
    a) have been prescribed any medication, received any treatment or had a consultation with a doctor or hospital specialist in the past 12 months for any medical condition;
    b) have ever been diagnosed with or treated for any of the following, before you bought your policy:
    • any cardiovascular problems for example, heart attack, angina, chest pain or palpitations;
    • any other heart condition;
    • hypertension (raised blood pressure);
    • blood clots;
    • raised cholesterol; or
    • any cerebrovascular problems for example stroke, transient ischaemic attack (TIA) or brain haemorrhage.
    c) are awaiting treatment for any medical condition or the results of any medical tests or investigations.

If ALL the above questions are answered NO then no screening is needed; please proceed with your travel insurance booking.

Please note you must also inform us of any change to your health or medical status should this arise before your trip start date and if taking our Annual Multi Trip Cover you should also contact us if you develop a medical condition after your policy was issued or if your existing medical condition changes after your policy was issued.

  • If we are unable to cover the medical condition (or conditions), this will mean that you and any other person insured by us will not be covered for any directly or indirectly related claims arising from the medical condition (or conditions). This may even apply if the person with the medical condition (or conditions) purchases cover from another provider.
    Each person insured by us would still be covered for any unrelated medical condition (or conditions) and other sections of cover subject to the terms and conditions of this policy.