Travel Insurance

Health conditions

Important information

This insurance contains conditions that relate to your health and the health of others who might not be travelling with you but whose well being your trip may depend on. In particular we do not cover medical problems that you or they had before the cover started.
However, the following conditions may be accepted under the terms of the Policy, provided you or the person whose well being your trip may depend on:

1. has received no treatment as a hospital in patient or out patient in the 12 months prior to taking out this policy;
2. is not undergoing or waiting to undergo further tests or consultation;
3. is not on a hospital waiting list;
4. their condition is stable;
5. is not travelling against the advice of a doctor or to seek medical treatment abroad;
6. has not been referred to a specialist or consultant in the previous 12 months or is waiting to see a specialist or consultant;

Abscess/Boil, Acne, Allergy provided allergic reaction is not life threatening, Appendectomy, Asthma Mild *, Bells Palsy, Benign Lump/Growth, Cartilage Damage, Damaged Ligaments, Dermatitis provided not taking oral steroids, Diabetes Mellitus **, Dislocation, Ear Infection, Eczema - provided not taking oral steroids, Endometriosis, Enlarged Prostate (Benign), Fatty Lump (Benign), Fibroids, Fractures provided successfully repaired, Gall Bladder Removal, Glandular Fever, Glaucoma, Goitre, Gout, Grommets, Haemorrhoids, Hiatus Hernia, High Blood Pressure ***, High Cholesterol, Hormone Replacement Therapy, Hypertension ***, Hyperthyroidism, Hypothyroidism, Hysterectomy (Non Cancerous), Impotence, Indigestion, Irritable Bowel Syndrome, Knee Replacement, Lipoma (Benign Fatty Lump), Migraine, Overactive Thyroid, Perforated Ear Drum, Polyps Benign, Psoriasis, Rhinitis, Sinus Problems, Sinusitis, Talipes (Club Foot), Tendon Problems, Thyroid Problems, Tinnitus, Tonsillectomy, Twisted Ovaries, Underactive Thyroid, Varicose Veins, Vasectomy, Vertigo.

* On up to 2 types of medication, well controlled, suffered in isolation. No cover if using more than two inhalers.

** Provided controlled by diet/tablets only, suffered in isolation and no associated kidney/blood vessel/nerve/eye/circulation problems

*** Provided suffered in isolation and no more than 2 types of medication are being taken. If you have any queries about pre existing medical conditions or if you would like further information, please contact the person or agent who is arranging this insurance or PAX Insurance on 0800 212 480 (or +44 (0)1737 505 064 if phoning from outside the United Kingdom).

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