What is a Pre-Existing Medical Condition?

A Pre-Existing Medical Condition means:

a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy or cancer for which you have received treatment during the last 60 consecutive months (including surgery, tests or investigations by your doctor or a consultant/specialist and been prescribed drugs or medication);

b) 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;

c) Any medical condition for which you are taking prescribed drugs or medication;

d) Any medical condition for which you have received a terminal prognosis;

e) Any medical condition that you are aware of but for which you have not had a diagnosis.


We will not pay any claim directly or indirectly caused by or contributed to by any pre-existing condition known about at the inception date of travel.  However, this will not apply and you will be covered by the normal terms of the policy IF:

  1. any of the conditions that you have are included in the following list;
  2. the words in brackets apply to your condition;
  3. the condition has been stable and well-controlled for the last 24 months on medical practitioner administered medication;
  4. you have not required a hospital admission or referral to a specialist because of a worsening of your condition;
  • 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