FlexPlus 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 as a pre-existing conditions upgrade may be needed. Please see below to find exactly which pre-existing medical conditions you need to tell us about, and when you need to tell us about them.
Pre-existing medical conditions you need to tell us about
You need to let us know about every diagnosed illness, injury or disease where in the 12 months before opening your account or booking a trip (whichever is later) any of the following points apply.
An insured person has:
- been prescribed medication, including newly prescribed or repeat medication. This includes medication designed to control symptoms of a medical condition,
- had any medical treatment, investigations or tests, or is waiting for any of these,
- been referred to, is under the care of, or has had an appointment 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 about them
To make sure you are covered for cancellation before your trip, as well as for cover during your trip, you need to tell us:
- When you open your FlexPlus account
- Before booking a trip.
If you already have a trip booked - tell us as soon as you can to see if we can provide cover.
It is very important to make sure you are covered for your pre-existing medical conditions. If you are 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 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.
Visit here to let us know securely online about any medical conditions that you, your partner or your children have.
Undiagnosed health problems
If you are under investigation, for example waiting for tests or results, or a referral appointment for any undiagnosed health problems or symptoms, you should consider waiting until you have a diagnosis before booking a trip as undiagnosed health problems are not covered.
