You may need to declare flu, chest infections, bronchitis or other respiratory conditions when purchasing CoverForYou travel insurance, particularly if you've received prescribed medication or medical treatment.
Even common respiratory illnesses can be relevant to medical screening, depending on the circumstances.
You should declare relevant respiratory conditions if you've received prescribed medication or medical treatment for them.
Examples include:
Flu: Influenza requiring prescribed medication or medical treatment.
Chest infections: Respiratory infections for which you've received treatment.
Bronchitis: Inflammation of the bronchial tubes requiring treatment.
Other respiratory illnesses: Diagnosed respiratory conditions requiring treatment.
Answer the medical screening questions accurately, including relevant questions about previous treatment.
Not always.
An isolated cough does not necessarily need to be declared.
However, if your cough is associated with a diagnosed respiratory condition, you should declare the underlying condition where required.
If you've sought medical advice or received treatment for a persistent or unexplained cough, contact us if you're unsure.
If you've recovered from a respiratory illness and no longer require treatment, whether you need to declare it will depend on the medical screening questions applicable to your policy.
Do not assume that a condition is exempt simply because your symptoms have resolved.
If you're undergoing investigations for ongoing respiratory symptoms without a confirmed diagnosis, different eligibility requirements may apply.
Can I Get Travel Insurance If I'm Awaiting a Diagnosis?
If we can offer cover, your quotation will include any additional premium and applicable terms.
Once you've purchased the policy, your declared and accepted medical conditions will be covered in accordance with those terms.
No separate written approval is required after purchasing on the terms quoted.
If you're diagnosed with a new respiratory condition or your medical circumstances change after purchase, contact us to check whether your cover may be affected.
What Should I Do If My Health Changes After Buying Travel Insurance?
Medical Screening Team: 0203 137 8981
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
