You only need to declare a phobia when purchasing CoverForYou travel insurance if you're receiving treatment for symptoms related to it.
If you have a phobia but are not experiencing symptoms and are not receiving treatment, you do not need to declare it under our current medical screening guidance.
You need to declare a phobia if you're receiving treatment for symptoms associated with it.
This may include:
Prescribed medication to manage symptoms.
Counselling or psychological therapy.
Other ongoing medical treatment for the phobia.
You should answer all relevant medical screening questions accurately.
If you have a phobia but are not experiencing symptoms and are not receiving treatment, you do not need to declare it.
If you experience symptoms but are unsure whether your circumstances require declaration, contact our Medical Screening Team.
If your particular phobia doesn't appear among the available medical conditions, you can select:
Anxiety
This is the alternative screening category identified in our current guidance.
Selecting this category for screening purposes does not necessarily mean you have been diagnosed with a separate anxiety disorder.
If you're unsure whether it accurately represents your circumstances, contact our Medical Screening Team.
If you have another condition alongside your phobia, such as a separately diagnosed anxiety disorder, you may need to declare that condition.
Each condition should be assessed against the relevant medical screening requirements.
If we can offer cover following screening, your quotation will reflect the terms available. Once you've purchased the policy, your declared and accepted conditions will be covered in accordance with those terms.
If you begin treatment for your phobia or your medical circumstances change after buying your insurance, 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.
