Pre-Exisiting Medical Conditions

This insurance is designed to cover you for unforeseen events, accidents, illnesses or bodily injuries occurring during the period of insurance. All pre-existing medical conditions which are NOT listed under the section "Accepted Medical Conditions" will not be covered unless declared to our medical screening company and a medical endorsement obtained.

A Pre-Existing Medical Condition is defined as any condition from which you or anyone upon whom your trip depends have suffered from, or received any form of medical advice, treatment or medication within the last twelve months prior to you purchasing this insurance policy.

Pregnancy

As is consistent with the treatment of all pre-existing medical conditions under the Policy, the Policy does not intend to cover the normal costs or losses otherwise associated with pregnancy (including multiple pregnancies) or childbirth. The Policy will, however, cover You should complications arise with your pregnancy which fall within the definition of Complications of Pregnancy and Childbirth.

Accepted Medical Conditions

You do not need to contact our medical screening company if the only medical condition(s) you have appears in the following list, providing you are not awaiting surgery for the condition and have been fully discharged from any post-operative follow-up.

  • Abnormal Smear Test
  • Achilles Tendon Injury
  • Acid Reflux
  • Acne
  • Acronyx (Ingrowing Toenail)
  • Adenoids
  • Allergic Rhinitis
  • Alopecia
  • Anal Fissure/Fistula
  • Appendectomy
  • Astigmatism
  • Athlete's Foot (Tinea Pedis)
  • Attention Deficit Hyperactivity Disorder
  • Bell's Palsy (Facial Paralysis)
  • Benign Prostatic Enlargement
  • Bladder Infection (fully recovered, no hospital admissions)
  • Blepharitis
  • Blindness
  • Blocked Tear Ducts
  • Breast - Fibroadenoma
  • Breast Cyst(s)
  • Breast Enlargement/Reduction
  • Broken Bones (other than head or spine) - (no longer in plaster)
  • Bunion (Hallux Valgus)
  • Bursitis
  • Caesarean Section
  • Candidiasis (oral or vaginal)
  • Carpal Tunnel Syndrome
  • Cartilage Injury
  • Cataracts
  • Cervical Erosion
  • Cervicitis
  • Chalazion
  • Chicken Pox (fully resolved)
  • Cholecystectomy
  • Chronic fatigue syndrome (if only symptom is fatigue)
  • Coeliac Disease
  • Cold Sore (Herpes Simplex)
  • Colitis (simple)
  • Common Cold(s)
  • Conjunctivitis
  • Constipation
  • Corneal Graft
  • Cosmetic Surgery
  • Cyst - Breast
  • Cyst - Testicular
  • Cystitis (fully recovered, no hospital admissions)
  • Cystocele (fully recovered, no hospital admissions)
  • D & C
  • Deaf Mutism
  • Deafness
  • Dental Surgery
  • Dermatitis (no hospital admissions or consultations)
  • Deviated Nasal Septum
  • Diarrhoea and/or Vomiting (Resolved)
  • Dilatation and Curettage
  • Dislocated Hip
  • Dislocations
  • Dry Eye Syndrome
  • Dyspepsia
  • Ear Infections (resolved - must be all clear prior to travel if flying)
  • Eczema (no hospital admissions or consultations)
  • Endocervical Polyp
  • Endocervicitis Endometrial Polyp
  • Epididymitis
  • Epiphora (Watery Eye)
  • Epispadias
  • Epistaxis (Nosebleed)
  • Erythema Nodosum
  • Essential Tremor
  • Facial Neuritis (Trigeminal Neuralgia)
  • Facial Paralysis (Bell's Palsy)
  • Fibromyositis
  • Fibrositis
  • Frozen Shoulder
  • Femoral Hernia
  • Fibroadenoma
  • Fibroid - Uterine
  • Fibromyalgia
  • Gall Bladder Removal
  • Ganglion
  • Glandular Fever (full recovery made)
  • Glaucoma
  • Glue Ear (resolved - must be all clear prior to travel if flying)
  • Goitre
  • Gout
  • Grave's Disease
  • Grommet(s) inserted (Glue Ear)
  • Gynaecomastia
  • Haematoma (external)
  • Haemorrhoidectomy
  • Haemorrhoids (Piles)
  • Hallux Valgus (Bunion)
  • Hammer Toe
  • Hay Fever
  • Hernia (not Hiatus)
  • Herpes Simplex (Cold Sore)
  • Herpes Zoster (Shingles)
  • Hip Replacement (no subsequent arthritis)
  • Hives (Nettle Rash)
  • Housemaid's Knee (Bursitis)
  • HRT (Hormone Replacement Therapy)
  • Hyperthyroidism (Overactive Thyroid)
  • Hypospadias
  • Hypothyroidism (Underactive Thyroid)
  • Hysterectomy (provided no malignancy)
  • Impetigo
  • Indigestion
  • Influenza
  • Ingrowing Toe-nail (Acronyx) Inguinal Hernia
  • Insomnia
  • Intercostal Neuralgia
  • Intertrigo
  • Irritable Bowel Syndrome (IBS)
  • Keinboeck's Disease
  • Keratoconus
  • Knee Injury - Collateral/cruciate ligaments
  • Knee Replacement (no subsequent arthritis)
  • Kohlers Disease
  • Labyrinthitis
  • Laryngitis
  • Learning Difficulties
  • Leptothrix
  • Leucoderma
  • Lichen Planus
  • Ligaments (injury)
  • Lipoma
  • Macular Degeneration
  • Mastitis
  • Mastoidectomy (resolved - must be all clear prior to travel if flying)
  • Menopause
  • Menorrhagia
  • Migraine (provided this is a definite diagnosis and there are no ongoing investigations)
  • Miscarriage
  • Mole(s)
  • Molluscum Contagiosum
  • Myalgia (Muscular Rheumatism)
  • Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue)
  • Myxoedema
  • Nasal Infection
  • Nasal Polyp(s)
  • Nettle Rash (Hives)
  • Neuralgia, Neuritis
  • Nosebleed(s)
  • Nystagmus
  • Obstructive Sleep Apnoea
  • Osgood-schlatter's Disease
  • Osteochondritis
  • Otosclerosis
  • Overactive Thyroid
  • Parametritis
  • Pediculosis
  • Pelvic Inflammatory Disease
  • Photodermatosis
  • Piles
  • Pityriasis Rosea
  • Post Viral Fatigue Syndrome (if the only symptom is fatigue)
  • Pregnancy (provided no complications)
  • Prickly Heat
  • Prolapsed Uterus (womb)
  • Pruritis
  • Psoriasis (no hospital admissions or consultations)
  • Repetitive Strain Injury
  • Retinitis Pigmentosa
  • Rhinitis (Allergic)
  • Rosacea
  • Ruptured Tendons
  • Salpingo-oophoritis
  • Scabies
  • Scalp Ringworm (Tinea Capitis)
  • Scheuermann's Disease
  • Sebaceous Cyst
  • Shingles (Herpes Zoster)
  • Shoulder Injury
  • Sinusitis
  • Skin Ringworm (Tinea Corporis)
  • Sleep Apnoea
  • Sore Throat
  • Sprains
  • Stigmatism
  • Stomach Bug (resolved)
  • Strabismus (Squint)
  • Stress Incontinence
  • Synovitis
  • Talipes (Club Foot)
  • Tendon Injury)
  • Tennis Elbow
  • Tenosynovitis
  • Termination of Pregnancy
  • Testicles - Epididymitis
  • Testicles - Hydrocele
  • Testicles - Varicocele
  • Testicular Cyst
  • Testicular Torsion (Twisted Testicle)
  • Throat Infection(s)
  • Thrush
  • Thyroid - Overactive
  • Thyroid Deficiency
  • Tinea Capitis (Scalp Ringworm)
  • Tinea Corporis (Skin Ringworm)
  • Tinea Pedis (Athlete's Foot)
  • Tinnitus
  • Tonsillitis
  • Tooth Extraction
  • Toothache
  • Torn Ligament
  • Torticollis (Wry Neck)
  • Trichomycosis
  • Trigeminal Neuralgia
  • Turner's Syndrome
  • Twisted Testicle
  • Umbilical Hernia
  • Underactive Thyroid
  • Undescended Testicle
  • Urethritis (fully recovered, no hospital admissions)
  • URTI (Upper Respiratory Tract Infection) (resolved, no further treatment)
  • Urticaria
  • Uterine Polyp(s)
  • Uterine Prolapse
  • Varicocele
  • Varicose Veins - legs only, never any ulcers or cellulitis (if GP has confirmed that client is fit to travel)
  • Vasectomy
  • Verruca
  • Vertigo - provided no disabling episodes
  • Vitiligo
  • Warts (benign, non-genital)
  • Womb Prolapse (uterus)

In addition to any Medical Condition shown in the above table, you may be automatically accepted for cover if you have ONLY ONE of the following conditions provided you have NO other Pre-Existing Medical Condition(s).

Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis, Reiter's Syndrome, Rheumatism)

  • There must have been NO hospital admissions within the last 12 months.
  • Must NOT affect the back more than any other area of the body.
  • No more than 2 medications.
  • No mobility aids (other than walking stick or frame).
  • Must NOT be awaiting surgery.
  • Must have NO lung problems.

Asthma (Wheezing)

  • There must have been NO hospital admissions EVER.
  • Must have been diagnosed prior to age 50.
  • Must be controlled with no more than 2 medications (NO nebulizer, NO home oxygen).
  • Must have been a non-smoker for at least 12 months.
  • Must be able to walk 200 yards on the flat without becoming short of breath.

Diabetes Mellitus (Sugar Diabetes)

  • Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only.
  • Controlled by diet alone or by no more than 1 medication (no Insulin).
  • There must have been NO hospital admissions or diabetic complications EVER.
  • Must have been a non-smoker for at least 12 months.

Down's Syndrome

  • There must be NO associated conditions or complications (e.g. congenital heart disease, epilepsy, gastrointestinal abnormalities).

Hypercholesterolaemia (High/Raised Cholesterol)

  • No more than 1 medication.
  • Must NOT be the inherited form.
  • Must have been a non-smoker for at least 12 months.

Hypertension (High Blood Pressure, White Coat Syndrome)

  • No more than 2 medications.
  • There must have been no change in treatment within the last 6 months.
  • Must have been a non-smoker for at least 12 months.

Hypotension (Low Blood Pressure)

  • Must NOT be associated with any underlying condition.

Osteoporosis (Osteopaenia, Fragile Bones)

  • There must have been NO vertebral (backbone) fractures.

If You have any other Pre-Existing Medical Condition(s), the Medical Condition does not meet the above criteria or You have more than one condition, You must contact the Medical Screening Company on 01 633 0001 to declare ALL Your Pre-Existing Medical Conditions to ensure that the cover will meet Your needs.

PLEASE NOTE that cover cannot be offered for any Pre-Existing Medical Condition if You, or the person You are travelling with:

  • are awaiting the results of medical tests or investigations;
  • are travelling against the advice of a Medical Practitioner;
  • are travelling for the purpose of obtaining medical treatment;
  • are on a hospital waiting list;
  • have been given a terminal prognosis;

Please also note there is no cover for claims arising from any psychological condition (including anxiety, stress, depression, psychiatric or eating disorders, phobias).

Contacting the Medical Screening Company

If you contact the Medical Screening Company, trained operators will ask you a few simple questions about your intended trip and the medical condition. You will be advised as to whether your Pre-Existing Medical Condition can be covered, whether there will be an additional premium to pay or whether there are any changes to be made to the Policy terms and conditions.

If cover can be provided, You will be given an acceptance code and a letter will be sent to you upon receipt of payment, detailing the extension of cover where applicable. Please read this letter carefully and keep it with Your Policy Schedule as it confirms the terms of cover. Any payment for pre-existing medical condition cover is made to the Medical Screening Company.

Medical Screening
Telephone: 01 633 0001
Monday to Saturday - 9am to 5pm

Note: A Medical Endorsement is only valid with a Travel Insurance policy purchased from Travel Insurance Direct Ireland.