If your health changes after purchasing your CoverForYou travel insurance, you should review whether the change affects your medical declaration or your fitness to travel.
This can include:
A new medical diagnosis.
Changes to an existing medical condition.
New or changed medication.
New treatment.
Referral for tests or investigations.
Awaiting treatment or further medical assessment.
A change in your health does not automatically mean your policy is no longer valid, but it can affect the cover available for that medical condition.
If your medical circumstances change before you travel, please contact our Medical Screening Team so your circumstances can be reviewed.
This is particularly important if you:
Receive a new diagnosis.
Develop new or worsening symptoms.
Start or change medication.
Are referred for medical tests or investigations.
Are awaiting treatment, surgery or further assessment.
Updating your medical information does not automatically mean that a new or changed condition will be covered. Any cover will depend on the policy terms and the outcome of the medical screening.
Contact our Medical Screening Team:
Telephone: 0203 137 8981
Opening hours: Monday to Friday, 9:00am–5:00pm UK time.
Yes.
If your health changes after your policy has started and after your travel tickets or booking confirmation have been issued, you should check with your medical practitioner that you are fit to travel.
You should not travel if a medical practitioner advises you not to do so.
If you travel against medical advice, you will not be covered under:
Section 2 – Medical Emergency and Repatriation Expenses
Section 8 – Cruise Cover
for claims arising from the relevant circumstances.
The policy also applies this restriction where a medical practitioner would have advised you not to travel had you sought their advice.
If it is medically necessary for you to cancel your trip, you may be able to make a claim under Section 1 – Cancelling or Cutting Short a Trip.
For a medical cancellation claim, you may need evidence from a medical practitioner confirming that you or your travelling companion are not fit to travel.
Any claim remains subject to the policy terms, conditions, exclusions and benefit limits.
Find out how to make a travel insurance claim
Please contact us before travelling if you have been referred for tests or investigations or are awaiting a diagnosis.
The policy contains specific restrictions relating to medical conditions that are awaiting investigation or diagnosis, so you should not assume that the condition will automatically be covered.
If your health changes and you are waiting for treatment, surgery or further medical assessment, contact us before travelling so your circumstances can be reviewed.
The policy does not cover travel undertaken for the purpose of receiving surgery, treatment or investigations.
You may be able to make changes to your policy or travel dates, depending on your circumstances.
Please contact CoverForYou before changing your travel arrangements so we can confirm whether the requested policy change can be made and whether any additional premium or conditions apply.
Situation | What should I do? |
|---|---|
New medical diagnosis | Contact the Medical Screening Team |
Existing condition has changed | Contact the Medical Screening Team |
New or changed medication | Contact the Medical Screening Team |
Referred for tests or investigations | Contact us before travelling |
Awaiting treatment or surgery | Contact us before travelling |
Health changes after booking | Check with your medical practitioner that you are fit to travel |
Doctor advises against travel | Do not travel against medical advice |
Medically unfit to travel | Check whether you can claim under Section 1 – Cancellation |
Need to change travel dates | Contact CoverForYou before making the change |
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
Our medical screening team can explain the declaration requirements and review your circumstances.
Do not assume that a medical condition is automatically covered because your policy was purchased before it developed.
Situation | What You Should Do |
|---|---|
New medical diagnosis | Contact our medical screening team |
New medication or changes to treatment | Update your medical declaration |
Awaiting medical tests or investigations | Contact us before travelling |
Doctor advises against travel | Do not travel against medical advice |
Medically unfit to travel | Check whether you can claim under Section 1 – Cancellation |
Need to change your travel dates | Contact us to discuss amending your policy |
Please note: All medical and cancellation cover is subject to your policy's terms, conditions, exclusions, eligibility requirements, benefit limits and any applicable excess. Changes to your medical circumstances must be assessed before cover for a new or changed condition can be confirmed.
