If CoverForYou cannot offer cover for your pre-existing medical condition, or the additional premium is too expensive, you may be able to find suitable travel insurance through a specialist provider.
We recommend using the MoneyHelper Travel Insurance Directory, which helps customers with pre-existing medical conditions find insurers who may be able to meet their needs.
How does CoverForYou assess pre-existing medical conditions?
Before purchasing your policy, you can declare your medical conditions through our online medical screening process.
You'll be asked questions about your medical history and current health so we can assess whether cover is available.
Depending on your circumstances:
Cover may be available without an additional premium.
An additional premium may apply to include your medical condition.
We may be unable to offer cover for your medical condition.
If we can offer cover, your quotation will include any additional premium required and applicable terms.
Once you've purchased the policy, your declared and accepted medical conditions will be covered in accordance with those terms.
You do not need to seek separate approval after completing medical screening and purchasing the policy on the terms quoted.
What if CoverForYou cannot cover my condition?
If we're unable to offer cover for your medical condition, you may be able to obtain insurance through a specialist provider.
The MoneyHelper Travel Insurance Directory helps customers find insurers specialising in more serious pre-existing medical conditions.
The directory may be useful if:
You've been declined insurance because of a medical condition.
Your condition cannot be included in the cover offered.
You've received a quotation with a significant additional medical premium.
You're finding it difficult to obtain suitable travel insurance.
How do I access the MoneyHelper Travel Insurance Directory?
You can access the service free of charge.
Online: MoneyHelper Travel Insurance Directory
Telephone: 0800 138 7777
The directory lists specialist travel insurance providers who may be able to assess your circumstances.
Please note: MoneyHelper does not provide insurance quotations directly. You'll need to contact the listed insurers for quotations and details of the cover available.
Will a specialist insurer definitely cover my condition?
Not necessarily.
Specialist insurers may be able to cover medical conditions that other providers cannot, but acceptance depends on their own underwriting requirements.
The cover available, exclusions and premiums may differ.
Before purchasing alternative insurance, check that the policy meets your needs and includes any medical conditions you require cover for.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.