Towergate aul

If you or any of your travelling companions have a medical condition which has been suffered, or for which medical advice, treatment or medication has been received prior to the date of issue of this policy you must declare this when taking out your policy. Please contact your broker or agent for details. You may be required to pay an additional premium to cover a medical condition.

Please note that there is no cover if, at the time of booking your trip or effecting your insurance, and in the case of annual multi trip travel insurance at the time of booking each trip, you, your travelling companions, your relatives or anyone else upon whom your travel plans depend:

• Is expected to give birth within 14 weeks of the return date of your trip.
• Is receiving or is on a waiting list for in-patient hospital or clinic treatment.
• Is travelling against the advise of a medical practitioner or for the purpose of obtaining medical treatment abroad.
• Have received a terminal prognosis.

On Going Health Warranty – If there is a significant change in your medical condition or if you develop a new condition (after you have taken out this insurance, but before you travel) you must contact our medical helpline on 0870 774 4408. They will tell you if cover can continue. If we cannot continue cover you may be able to claim for the cost of cancelling your travel arrangements. We reserve the right to amend the terms of, or cancel the policy.

Elect

Elect policies do not cover any pre - existing medical conditions.

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