Barclays travel insurance

Pre-existing medical conditions you need to tell us about

This travel insurance is designed to cover the costs of cancellation, emergency medical treatment abroad and getting home, if any insured person becomes suddenly and unexpectedly ill or injured, due to a new illness, injury or disease.

Medical conditions that an insured person already has or had, are not all covered automatically, and a pre-existing conditions upgrade may be needed.

As part of your medical upgrade, you must be able to tell us the name of your diagnosis/medical condition, not just the medication you take or treatment you receive. 

Please see below to find out exactly what you need to tell us about and when you need to tell us.

What you need to tell us about

You need to tell us if in the last 12 months (before booking a trip or purchasing your pack, whichever is later), any of the following apply. Anyone insured by your pack has

• Been prescribed medication, including newly prescribed or repeat medication
• Received or is awaiting medical treatment, investigations or tests carried out by a medical professional
• Been referred to, or had follow up with, a specialist or consultant
• Been admitted to hospital or had surgery

If an insured person has any diagnosed medical conditions that don't meet the above criteria, you don't need to tell us about them, and they are covered without the need for a pre-existing conditions upgrade.

When you need to tell us

It's very important to make sure you’re covered for your pre-existing medical conditions. If you’re not and a trip had to be cancelled because of one of these conditions, we would not pay the cancellation costs for any insured person. The cost of emergency medical treatment abroad and getting back home can be extremely expensive and could have serious financial implications for you if you were to travel without the right cover and have to pay the costs yourself.

For more information about pre-existing medical conditions, please read the ‘Your health’ section of the policy booklet (PDF 451 KB).