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Pre-Existing Medical Conditions Travel Insurance

Stay healthy on your travels - our policies will cover 50+ pre-existing medical conditions for free! Please carefully read all of the important information given below and contact us if you are still uncertain or have any questions.

What is a pre-existing medical condition?

A Pre-Existing Medical Condition means:

 

  • Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist and prescribed drugs or medication);
  • Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months, or for which you are on a waiting list for or have knowledge of the need for surgery treatment or investigation at a hospital, clinic or nursing home;
  • Any medical condition for which you are taking prescribed drugs or medication;
  • Any medical condition for which you have received a terminal prognosis;
  • Any medical condition that you are aware of but for which you have not had a diagnosis.

ACCEPTED MEDICAL CONDITIONS

We automatically cover many Pre-Existing Medical Conditions as standard. See the ‘No Screen Conditions’ list below. You do not need to contact us if all of your Pre-Existing Medical Conditions are included in this list and the words brackets apply to you. If you have questions relating to these accepted conditions, please email globelink@globelink.co.uk or call +44 (0)1353 699 082 9am-5pm Mon-Fri. Alternatively, if you are unsure whether your condition is covered by our No Screen Conditions list, please complete the Medical Conditions Form and email it to globelink@globelink.co.uk and we will advise whether it is included.

Changes in your circumstances

If after taking out this Insurance you become aware of any circumstances that may give rise to a claim such as changes in your health or that of a person on whom this insurance may depend (e.g. a close relative) you must contact us and tell us about the changes as soon as reasonably possible and prior to any trip on globelink@globelink.co.uk.

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No screen conditions

You do not need to contact us if all the pre-existing medical conditions that you have are included in this list and the words in brackets apply to you and the condition has been stable and well controlled for the last 12 months on GP administered medication and have not required a hospital admission or referral to specialist because of a worsening of your condition.

These pre-existing conditions are covered by the normal terms of the policy

  • Acne
  • ADHD (Attention Deficit Hyperactivity Disorder)
  • Any disabilities impairing mobility, vision or mental health providing an insured person is accompanied by an appropriate carer for when any assistance is required
  • Arthritis - Juvenile, Osteoarthritis, Rheumatoid or Psoriatic arthritis, Reiter’s Syndrome, Rheumatism. (There must have been no hospital admissions within the last 12 months. The arthritis must not affect the back more than any other area of the body. The insured person must not be taking more than 2 medications. The insured person must not require any mobility aids, other than a walking stick. There must have been no dislocations or any joint replacements. The insured person must not be awaiting surgery. The insured person must have no lung problems/respiratory disorders.)
  • Allergies (limited to Rhinitis, Chronic Sinusitis, Eczema, Food intolerance & Hay Fever)
  • Asthma (providing it was diagnosed before age 50, and the insured person is taking/using no more than 2 medications/inhalers and has not been admitted to hospital in the last year)
  • Bells Palsy
  • Benign Positional Vertigo
  • Bladder Infection
  • Breast Cancer/Prostate Cancer (provided the insured person: -was diagnosed more than 12 months ago; -has not had any chemotherapy or radiotherapy in the last 12 months and the cancer has not spread outside the breast or prostate at any time; -in the case of cancer of the prostate the insured person must have a PSA of 3.0 or less)
  • Bunions
  • Carpal Tunnel Syndrome
  • Cataracts
  • Coeliac Disease
  • Congenital Blindness
  • Corneal Graft
  • Cystitis (provided no ongoing treatment)
  • Deafness
  • Diabetes (providing there have been no complications such as impaired kidney function, heart disease, peripheral vascular disease, leg or foot ulcers, retinal damage, nerve damage, leg or foot amputation, liver damage).
  • Dry Eye Syndrome
  • Eczema
  • Enlarged Prostate (benign only)
  • Essential Tremor
  • Folate Deficiency
  • Fungal Nail Infection
  • Gallbladder Removal (no complications)
  • Gastric Reflux
  • Glaucoma
  • Goitre
  • Gout
  • Hay Fever
  • Hiatus Hernia
  • High Cholesterol
  • Hormone Replacement Therapy - HRT
  • Hypertension - High Blood Pressure
  • Hypotension - Low Blood Pressure (Must not be associated with any underlying condition)
  • Impetigo
  • Insulin Resistance
  • Macular Degeneration
  • Meniere’s disease
  • Migraine
  • Osteoporosis - Osteopenia, Fragile Bones (There must have been no broken bones within the last 5 years)
  • Pernicious Anaemia
  • Raynaud Disease
  • RSI (Repetitive strain injury/Tendinitis)
  • Sinusitis
  • Tendonitis
  • Tinnitus
  • Tonsillitis
  • Underactive or Overactive Thyroid

If you are aware of a Pre-Existing Medical Condition that is not included in the 'no screen conditions' list above:

1. You can proceed and arrange cover with standard terms and accept that anything related to the pre-existing medical condition/s is excluded.

OR

2. You will need to seek alternative travel insurance providers who will advise if your condition can be covered, at what price and any changes that may apply to their terms.

It is a condition of this policy that you will not be covered under Section A – Cancellation or curtailment charges, Section B – Emergency medical and other expenses, Section C – Hospital benefit and Section D – Personal accident for any claims arising directly or indirectly from:

a) At the time of taking out this policy:

  • Any pre-existing medical condition that you have unless all pre-existing medical conditions are included in the list of NO SCREEN CONDITIONS* shown above and the words in brackets apply to you
  • Any medical condition for which you have received a terminal prognosis
  • Any medical condition you are aware of but for which you have not had a diagnosis
  • Any medical condition for which you are on a waiting list for or have knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home
  • Any medical condition affecting you, a close relative or a close business associate that you are aware of, that could reasonably be expected to result in a claim on this policy unless you have been given our agreement.

b) At any time:

  • Any medical condition you have which a medical practitioner has advised you not to travel (or would have done so had you sought his/her advice), but despite this you still travel
  • Any surgery, treatment or investigations for which you intend to travel outside of your home area to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arising from these procedures)
  • Any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a medical practitioner
  • You travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.

If your health changes after the start date of your policy and the date your travel tickets or confirmation of booking were issued, you must telephone our customer helpline shown on your schedule to make sure your cover is not affected. You should also refer to What is not covered – applicable to all sections of the policy.

Frequently Asked Questions

What medical conditions do you have to declare for travel insurance?

You should declare all medical conditions which aren't included in the No Screen Medical Conditions list.

How much medical travel insurance do I need?

There is no fixed recommended sum. Globelink policy options cover between £5,000,000 - £10,000,000 Emergency Medical Expenses. A large number of pre-existing medical conditions are covered for free on Globelink travel insurance policies. If you have a condition, which isn't included in the No Screen Medical Conditions list, you must declare it to our Medical Screening Helpline and they will advise whether your condition can be covered, whether an additional premium applies, or any changes to the policy terms and conditions.

What is a pre-existing medical condition for travel insurance?

A pre-existing medical condition for Globelink is any medical condition that you already have, or have symptoms for. See https://www.globelink.co.uk/general-information/medical-and-health/pre-existing-medical-conditions.html for full definition and details.

What does travel medical insurance cover?

Travel medical insurance usually covers emergency medical expenses and repatriation for unforeseen medical emergencies including illness and accidents while abroad. A number of pre-existing medical conditions are automatically for free by Globelink. All policies provide you with 24-hour medical emergency assistance if you fall ill, have an accident, or have health issues abroad.

Where to buy travel medical insurance?

Globelink offer travel medical insurance policies, which cover over 50 pre-existing medical conditions for free.

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