Accepted Medical Conditions Quote

Accepted medical conditions

Below is a list of medical  conditions which are accepted and covered as standard on every policy on this site.

No screening, no forms, and no additional premium.

Start here

You are covered as standard for the conditions listed below, provided they meet the rules that apply.

If your condition is not on the list, or does not meet the rules, we cannot cover it on this policy.

That does not mean you cannot be insured.

It means it is placed with a specialist medical travel insurance broker instead — P J Hayman or Just Travel Cover.

Call us on 0800 043 0020, and we will tell you which of the two is the better fit, or go to them directly.

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The rules

1. A condition on the list is covered as standard provided that, in the last 2 years, it has been stable and well controlled.

2. You must also not have been referred to a specialist or needed to go to hospital because the condition got worse.

Some conditions carry an extra term of their own, shown in brackets beside them.

That has to be met too.

3. And separately, anything you have had surgery, in-patient treatment or investigations for in a hospital or clinic in the last twelve months is declarable, whatever else it would be.

Conditions accepted as standard

• Asthma (diagnosed before age 50, no more than 2 medications or inhalers including nebulisers, no hospital admissions in the last 2 years)
• Arthritis or osteoarthritis (that does not materially affect your activities of daily living)
• Anxiety or depression (no hospital admissions or cancelled trips ever due to the condition)
• Acid reflux
• ADHD or autism
• Back or neck problems (no hospital admissions in the last 2 years, not prescribed daily pain relief)
• Basal cell carcinoma
• Benign prostatic hyperplasia or enlarged prostate
• Coronavirus (COVID-19) including long Covid (no ongoing treatment)
• Diabetes (no complications such as retinal damage, nerve damage, or leg or foot ulcers)
• Glaucoma (provided it is not a complication of diabetes)
• High blood pressure (well controlled)
• High cholesterol (well controlled)
• Hiatus hernia (no hospital admissions in the last 2 years, no ongoing treatment)
• Inguinal hernia (groin hernia)
• Irritable bowel syndrome (no hospital admissions in the last 2 years)
• Low blood pressure (well controlled)
• Minor ailments (see the list below)
• Overactive or underactive thyroid

Minor ailments

These are accepted under the same 2-year rule.

• Acne
• Allergic rhinitis
• Allergies (no hospital treatment in the last 2 years)
• Bladder weakness
• Blindness or partial sightedness
• Broken bone (fully recovered, no further follow-ups)
• Carpal tunnel syndrome
• Cataracts
• Chickenpox (if completely resolved)
• Coeliac disease
• Common cold
• Cuts and abrasions (not self-inflicted, no further treatment needed)
• Cystitis (no ongoing treatment)
• Deafness
• Diarrhoea and vomiting (if completely resolved)
• Down's syndrome
• Eczema (no hospital admissions in the last 2 years)
• Essential tremor
• Flu
• Gout
• Haemorrhoids
• Hayfever
• Hormone replacement therapy
• Ligament or tendon injury (no current treatment required)
• Macular degeneration
• Meniere's disease
• Menopause
• Migraine (no ongoing investigations)
• Nasal polyps
• Pernicious anaemia
• PMT
• Raynaud's syndrome
• Rosacea
• Sinusitis
• Tinnitus
• Urticaria
• Varicose veins in legs
• Vertigo
• Weak bladder

If your condition is not accepted as standard

That means one of two things.

1. It is not on the list above, or

2. it is on the list but does not meet the rules.

Neither means you cannot be insured.

It means we cannot cover the condition on this policy, and we can't do it on this site.

It is placed with a specialist broker instead, by phone.

We work with two.

P J Hayman — a specialist travel insurance provider of more than thirty years, with no upper age limit on most destinations, and policies that cover many conditions without lengthy screening.

Just Travel Cover — a specialist medical travel insurance broker covering a wide range of pre-existing conditions.

Call us on 0800 043 0020, and we will point you to the right one, or approach them directly.

The same route applies if you are 66 or over, or taking a full ski season outside Europe.

We cannot exclude a medical condition from your policy

There is no version of our policy that leaves your condition out.

Not to reduce the premium, not because the condition is resolved, and not because you hold cover for it somewhere else.

Your condition is either on the accepted list and covered, or it goes to a specialist broker.

Those are the only two outcomes.

Why we do not do it

Policies that exclude pre-existing conditions do exist elsewhere, and they are cheaper.

Excluding it removes exactly the cover you are most likely to need, and you would still be paying for the rest.

We would rather send you to a broker who will cover it properly than sell you a policy with a hole in the middle of it.

Even if I have been given the all-clear?

Yes, even then.

If the condition is on the accepted list and meets the rules, it is covered as standard at no extra cost, so there is nothing to exclude.

If it is not, it goes to a specialist broker.

What cannot be covered at all

A short list sits outside the policy; however, it is arranged.

• Any condition once you have received a terminal prognosis
• Any condition you are aware of but have not had diagnosed, or where you are waiting for test or investigation results
• Any condition for which you are on a waiting list, or know you need surgery or treatment
• Any condition where a doctor has advised you not to travel, or would have done had you asked
• Any condition where you are not taking the treatment or medication your doctor has prescribed
• A pre-existing condition affecting someone else, such as a relative whose illness causes you to cancel

Some of these can still be placed elsewhere, and we will tell you honestly if we think they can.

Old ski injuries

Worth pulling out, because skiers ask about it more than anything else on this page.

A broken bone that has fully recovered with no further follow-ups is a minor ailment, and accepted.

A ligament or tendon injury needing no current treatment is also a minor ailment, and accepted.

So a wrist you broke three seasons ago, or a knee ligament that healed and was signed off, does not need declaring.

The twelve-month rule overrides this.

An ACL reconstruction eight months ago is declarable even though a healed ligament injury normally is not.

If you have had surgery or a scan on it within twelve months, it is declarable. Outside that, and fully recovered, it is not.

What it means for your quote

Nothing.

Conditions on the accepted list carry no additional premium and do not change the price you are quoted.

There is no medical screening questionnaire to complete and no form to send back.

Common questions

Do I need to declare a condition that is on the accepted list?

No.

Conditions on the list are covered as standard, with no screening and no extra premium.

What counts as stable and well controlled?

The policy sets one test alongside it: in the last 2 years you have not been referred to a specialist or needed to go to hospital because the condition worsened.

The policy does not define the phrase further.

A specialist referral or hospital admission within two years, because the condition worsened, is what takes it off the list.

Does a specialist referral count, or only a hospital admission?

Both, where either happened because the condition worsened.

My condition is on the list, but I do not meet the extra term beside it. What then?

It cannot go on this policy, but it is not a decline.

It goes the same way as a condition that is not on the list at all, which is to a specialist broker.

Can I exclude a pre-existing condition and still get cover?

No.

We cannot write a policy with a condition excluded.

It is either accepted as standard, or it goes to a specialist broker.

Is there a medical screening form to fill in?

Not with us.

We talk it through against the accepted list on the phone.

If your condition goes to a specialist broker, they will have their own screening process.

Will it cost more?

Conditions on the accepted list carry no additional premium at all.

Where a condition goes to a specialist broker, they set their own price,e and we will not estimate it for you.

Do you cover conditions other insurers have declined?

Sometimes, and it is worth asking.

Our accepted list is longer than most, and where it does not reach, we work with brokers who screen more widely.

Do I need to declare a broken bone that has healed?

A fully recovered broken bone with no further follow-ups is a minor ailment and is accepted as standard.

If you have had surgery or investigations on it in the last twelve months, that is a separate rule, and it does need declaring.

Do I need to declare an old knee or ligament injury?

A ligament or tendon injury needing no current treatment is accepted as standard.

Surgery or hospital investigations within the last twelve months are declarable regardless.

I take medication for high blood pressure. Is that on the list?

High blood pressure appears on the accepted list where it is well controlled, subject to the 2-year rule.

Taking prescribed medication for a condition does not by itself remove it from the list.

Does hay fever need declaring?

No.

Hay fever is on the minor ailments list.

Can I still get winter sports cover with a medical condition?

Yes.

The activity cover and the medical position are separate questions.

Being screened for a condition does not restrict what you can do on the mountain.

What if my condition changes after I have bought the policy?

Tell us.

Under the Consumer Insurance (Disclosure and Representations) Act 2012, the policy requires you to notify any change to the answers you gave as soon as you are aware of it.

Before you buy

Read the policy wording in full.

This page summarises the health conditions section and is not a substitute for it.

If your condition is not on the list above, or does not meet the rules, it goes to one of the specialist brokers named on this page.