Important Conditions & Exclusions relating to health.

Please note certain medical conditions will incur an additional premium.

Telephone: 0333 355 0289

You must comply with the following conditions to have full protection of your policy. If you do not comply we may at our option cancel the policy or refuse to deal with your claim or reduce the amount of any claims payment. At the time of taking out this policy, have you in the last 2 years suffered from or received medical advice, treatment or medication for:


At the time of taking out this policy, have you been referred to or seen by a GP, hospital doctor or surgeon (other than an accident and emergency doctor) for any other condition or needed in-patient medical treatments in hospital for any other condition in the last 12 months?

If so, it is a condition of this policy that you will not be covered under the below policy sections for any claims arising directly or indirectly from this medical condition(s) unless you contact us on 0333 355 0289 and we have agreed in writing to cover your medical condition(s).

Please see below for limitations on the above.

If you have only one medical condition and it is one of those shown in the table below, then this will be covered under the policy without the need to contact medical screening.

Medical Conditions which do not require screening. (You do not have to contact us if you only have one of these)

Achilles Tendon Injury Acid Reflux
Acne Anal Fissure/Fistula
Attention Deficit Hyperactivity Disorder (ADHD) Allergy (requiring non prescriptive treatment only)
Bells Palsy (in isolation only) Benign Prostatic Enlargement
Blindness Broken/Fractured Bones (not head or spine)
Carpal Tunnel Syndrome Cataracts
Colds or Influenza Colitis (no hospital admissions in last 12 months)
Corneal Graft Cosmetic Surgery
Cuts & Abrasions (non self-inflicted) Cyst Breast (Benign)
Cyst Testicular (Benign) Cystitis
Diarrhoea and/or vomiting (resolved) Dislocated Hip
Dyspepsia Eczema
Epididymitis Essential Tremor
Fungal Nail Infection Gall Bladder Removal (if more than 3 months ago)
Gastric Reflux Genital Herpes
Glandular Fever Glaucoma
Gout Hayfever
Hemorrhoids (Piles) Hernia (not Hiatus)
Hip Replacement HRT (Hormone Replacement Therapy)
Hyperthyroidism (Overactive Thyroid) Hypothyroidism (Underactive Thyroid)
Hysterectomy (provided carried out more than 6 months ago) Irritable Bowel Syndrome
Macular Degeneration Menopause
Menorrhagia Migraine (confirmed diagnosis, no on-going investigations)
Myalgia (Muscular Rheumatism) Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue)
Nasal Polyp(s) Neuralgia, Neuritis
Nut Allergy Osteochondritis
Osteoporosis, Osteopaenia (fragile bones) NO vertebral (backbone) fractures Pelvic Inflammatory Disease
Psoriasis Reflex Oesophagitis
Rheumatism Rhinitis (Allergic)
Shingles (Herpes Zoster) Shoulder Injury
Sinusitis Sleep Apnoea
Tendon Injury Tonsilitis
Underactive Thyroid Uriticaria
Varicose Veins legs only (if GP has confirmed that client is fit to travel)


It is a condition of this policy that you will not be covered under Section A (Cancellation or Curtailment Charges), Section B (Emergency Medical and Other Expenses), Section C (Hospital Benefit), Section D (Personal Accident) and Section X3 Green Fees for any claims arising directly or indirectly from:

At the time of taking out this policy or at the time of booking the trip:

At any time: