Our policy is designed to cover HIV without the need for you to contact a separate medical screening line.If the only medical condition you have is HIV, you can simply book the policy now by phone or the online quote and book system.
However, if you or someone you're travelling with has another medical condition, it must be declared and accepted for cover.
This is a simple, step by step guide to our cover If
you or someone you're travelling with has a medical
condition. Please read through it carefully.
We cannot always offer insurance. To save you wasted time and telephone calls, we have given examples below of situations where unfortunately, we cannot offer cover. We have also given the numbers of two other insureres that might be able to help.
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| If you have been discharged from hospital in the last month |
» |
If you smoke and there is an associated medical condition
that could be affected eg asthma, diabetes, COPD/other respiratory conditions; heart or circulatory
conditions (such as a stroke) |
» |
If
you have undergone major surgery within the past 3 months or lesser surgery within the last month |
» |
You are awaiting cardiac surgery or the results of any non-routine investigation or tests (eg an angiogram or MRI scan) |
» |
You have had a coronary artery bypass graft in the last 3 months and wish to travel within Europe or in the last 6 months and wish to travel outside Europe |
» |
You require oxygen therapy at home or for any part of your trip |
» |
You have chest pains at rest or post stenting or bypass |
» |
If
you have received chemotherapy within the past
3 months |
» |
If
you have received radiotherapy within the past
1 month |
» |
If you have secondary tumours |
» |
If
there has been a change of medication within the
past 1 month |
» |
If you have been given a terminal prognosis |
If any of the above apply to you, we are not able to offer you cover at this time. Please telephone us for possible alternative insurers.
