Cover upgrade details
With our standard cover, your policy covers you for up to £5,000 in cancellation costs.
Before you book a trip or travel, you may need to tell us if you or anyone insured under the policy has a medical condition – or if there has been a change to an existing medical condition – not shown on the accepted conditions list (below), and haven't already told us about.
You can tell us about any new or medical condition changes by calling the Medical Risk Assessment helpline on 0800 051 7457.
View accepted conditions list Show more Show less
| Condition | Also known as | Exceptions |
|---|---|---|
| Allergy | Allergic reaction Drug allergy Food allergy Hives Nut allergy Urticaria | No hospital admissions in last two years. |
| Anaphylaxis | Anaphylactic shock Angioneurotic oedema Angio-oedema C1 inhibitor deficiency Hereditary angio-oedema Shock Type 1 hypersensitivity | No hospital admissions in last two years. |
| Arthritis | Arthromyalgia Arthrosis Chondrocalcinosis Degenerative joint disease Joint pain Juvenile arthritis Osteoarthritis Psoriatic arthritis Rheumatism Sinus tarsi syndrome Still's disease Synovial inflammation Rheumatism Rheumatoid arthritis | No back or neck problems |
| Asthma | Mild asthma | No nebulisers or oxygen at home and no hospital admissions in the last 12 months. |
| Benign prostatic enlargement | Benign enlarged prostate Benign prostatic hyperplasia Bladder outflow obstruction BPH Enlarged prostate Prostatic hyperplasia Prostatism | |
| Broken bone/Fracture | Ankle dislocation Arm fracture Broken ankle Broken arm Broken bone Broken leg Broken rib Elbow dislocation Fractured rib Hairline fracture Jaw dislocation Jaw fracture Leg fracture Shoulder dislocation | Not head or spine |
| Cataracts | ||
| Chicken pox | Chickenpox Nuclear sclerosis Varicella zoster infection VZV | |
| Common cold/Influenza | Cold Flu | |
| Cystitis | ||
| Diabetes | Diabetes type 1 Diabetes type 2 Diabetes in childhood Diabetes in pregnancy Diabetes insipidus Diabetes mellitus Diabetic Glucose intolerance Impaired fasting glycaemia Non-ketotic hyperosmolar coma Sugar diabetes | No complications, for example: Impairment of kidney function Angina and/or heart attack and/or narrowed arteries of the heart Peripheral vascular disease (causes poor blood supply to the legs Leg or foot ulcers Retinal (eye) damage Nerve damage Amputation of leg, foot or toe Stroke and/or TIA (mini stroke) |
| Diahorrea and/or Vomiting | Gastroenteritis | |
| Dislocated hip | Not hip replacement | |
| Eczema/Dermatitis | Contact dermatitis Industrial dermatitis Pompholyx | |
| Essential tremor | Benign essential tremor | |
| Fungal nail infection | ||
| Gastric reflux/Acid excess | Acid stomach Eosinophilic oesophagitis Gastro-oesophageal reflux GORD Heartburn Indigestion Oesophageal fissure Oesophageal spasm Oesophagitis Reflux oesophagitis | |
| Glaucoma | Glaucomatocyclitis High pressure in the eye Iridocorneal endothelial syndrome Ocular hypertension Pigment dispersion syndrome Posner-Schlossman syndrome Posterior polymorphous dystrophy Primary angle closure glaucoma Raised eye pressure | |
| Gout | Hyperuricaemia Pseudogout | |
| Haemorrhoids | Haemorrhoidectomy Piles | |
| Hayfever | ||
| Hernia | Bleichner hernia Diaphragmatic hernia Epigastric hernia Femoral hernia Hiatus hernia Incisional hernia Inguinal hernia (groin hernia) Internal hernia Obturator hernia Para-stomal hernia Para-umbilical hernia Spigelian hernia Sportsman's hernia Umbilical hernia Ventral hernia | |
| High/Low blood pressure | Blood pressure Controlled blood pressure High blood pressure Hypertension White coat syndrome | |
| High cholesterol | Hypercholesterolaemia | |
| Hypothyroidism (underactive thyroid) | Cretinism Myxoedema Underactive thyroid | |
| Impetigo | ||
| Irritable bowel syndrome (IBS) | Chronic functional abdominal pain syndrome Dysmobility of the bowel IBS Irritable bowel disease Spastic colon Stomach migraine | |
| Joint replacement | Hip prosthesis Hip replacement Hip resurfacing Joint resurfacing Knee reconstruction Knee replacement Shoulder replacement | If caused by arthritis, refer to "Arthritis" section |
| Macular degeneration | Acute retinal necrosis Best's disease Choroidal neovascularisation Epiretinal membrane Fundus flavimaculatus Hole in the macular Macular dystrophy Macular hole Macular pucker Stargardt's disease Type 2 macular telangiectasia | |
| Migraine | Chronic paroxysmal hemicrania Cluster headaches Headaches Hemiplegic migraine Sjaastad syndrome | Confirmed diagnosis, no ongoing investigation |
| Minor infections | Treated with no more than one course of antibiotics | |
| Osteoporosis | Fragile bones Osteopaenia Thinning bones | |
| Peptic ulcer | Duodenal ulcer Duodenitis Dyspepsia Gastric ulcer Gastritis Helicobacter pylori Peptic ulceration Stomach ulcer Zollinger Ellison syndrome | |
| Polymyalgia rheumatica | Cranial arteritis Giant cell arteritis PMR Polymyalgia Temporal arteritis | |
| Psoriasis | Palmer plantar pustulitis Sneddon-Wilkinson disease Subcorneal pustular dermatosis | |
| Retinopathy | Cone dystrophy Retinal damage | |
| Sinusitis | Blocked sinuses Catarrh Chronic sinusitis Post nasal drip Sinus infection | |
| Soft tissue injury | Bruise Cut Finger dislocation Frozen shoulder Haemothorax Hamstring injury Muscle injury Muscle strain Muscle tear Plantar fasciitis Pulled muscle Rotator cuff injury Skin abrasion Skin graze Skin laceration Sprain Water on the knee | |
| Tendon injury/Sprain/Tendonitis | Achilles tendinopathy Achilles tendonitis De Quervain's tenosynovitis Enthesitis Epicondylitis Golfer's elbow Hand arm vibration syndrome Pigmented villonodular synovitis Repetitive strain injury RSI Snappy hip syndrome Tendinopathy Tennis elbow Tenosynovitis | |
| Tinnitus | Meniere's disease Meniere's Endolymphatic hydrops | |
| Tonsillitis | Adenoiditis Tonsil stones Tonsillectomy | |
| Vertigo |
You can opt to upgrade your cover to £7,500 for cancellation costs, with our Increased Cancellation cover. View our prices in the following table, based on the number of insured travellers on your policy.
| Trip length | Premium | Insurance Premium Tax (IPT) | Total |
|---|---|---|---|
| 1 traveller | £25.30 | £5.06 | £30.36 |
| 2 travellers | £39.48 | £7.90 | £47.38 |
| 3 travellers | £53.66 | £10.73 | £64.39 |
| 4 or more travellers | £67.85 | £13.57 | £81.42 |
Please note:
These prices are for trips starting within the next 365 days. Prices are in addition to your current premiums. The premium shown must be paid by credit/debit card and is in addition to any monthly account fee that HSBC may charge you. If you live in the Channel Islands or Isle of Man, your price will not include Insurance Premium Tax.
If the first day of your trip is more than 365 days from today's date, please use this form instead.
If the first day of your trip is more than 457 days from today's date, we cannot offer you this upgrade just yet. Please come back to our site closer to the start of your trip to explore our cover upgrades.
If this is something you're interested in, please complete our form below and one of our customer advisors will contact you within 48 hours to take payment over the phone.
You must not use this form if:
- you are already on a trip
- you are in a claims situation
- your trip exceeds our maximum trip duration limit of 120 days
If you are in any of these situations, please call 0800 328 1563.