A Pre-existing Condition is if, when this insurance is taken out or at any time before you depart on your Trip, any person travelling or anyone on whose health the start or continuation of the Trip may depend:
- (1) is aware of any medical condition or set of circumstances which could reasonably be expected to give rise to a claim;
- (2) has received treatment or consultation for any chronic or recurring illness during the last 12 months;
- (3) is receiving, recovering from, or on a waiting list for in-patient treatment in a hospital or nursing home;
- (4) is suffering from any clinically diagnosed psychiatric disorder, anxiety, depression, or eating disorder;
- (5) is awaiting results of medical tests or investigations;
- (6) has been diagnosed as having a terminal illness;
- (7) is travelling by air or sea if at the start of the Trip, during the Trip or on your return date, is more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy;
- (8) is travelling against the advice of a Qualified Medical Practitioner;
- (9) is travelling to receive medical treatment Abroad.
If the answer is positive to any one of the above conditions, the policy as a whole does not cover any loss directly or indirectly caused by or attributable to that condition; refer to the General Exclusions paragraph 2. Medical (1).
You must inform us immediately should a condition occur after insurance is taken out, and if a claim is not made for Cancellation of the Trip under Section (0) of the policy, we have the right to amend or cancel your cover.
You may have an immediate relative with a medical condition who is not travelling with you. In some cases, if their state of health deteriorates greatly, you may want to cancel or curtail your trip.
Subject to all the other terms and conditions, such claims are covered if the relativeís doctor is prepared to state that at the date you bought this policy, he/she would have seen no substantial likelihood of his/her patientís condition deteriorating to such a degree that this would become necessary. If the doctor will not confirm this, your claim is not covered.
TRAVELLING WHEN PREGNANT
Pregnancy is not a medical condition, so you are able to travel until you are quite late into your pregnancy. Airlines and ferry/shipping companies including cruise liners have their own restrictions due to health and safety requirements. You should check with them or any other mode of transport you propose to take before you book. Please make sure that your Doctor and Midwife are aware of your travel plans, that there are no known complications and that you are not travelling against any medical advice. We have the right to request a Medical Certificate to confirm this.
After 28 weeks most airlines will require a letter from your Doctor or Midwife confirming your Estimated Date of Delivery and stating that there are no complications. You may travel, but your travel must be completed by 36 weeks and 6 days for single uncomplicated pregnancies and 32 weeks and 6 days for multiple uncomplicated pregnancies.
Ferry companies and Cruise liners have their own restrictions and may refuse heavily pregnant women beyond 32 weeks.
By Car, Coach and Train:
There are no known restrictions. Please make sure your Doctor or Midwife are aware of your travel plans and that there are no known complications.
The policy contains definitions of certain words and phrases that are used repeatedly. The following is an extract of those that are relevant to the pre-existing conditions definition, and there is also an entract from the policy wording of the General Exclusions paragraph 2. Medical; item (1) is referred to above:
You : applies to one or all persons named on your Certificate of Insurance.
Qualified Medical Practitioner : is a registered practising member of the medical profession who is not related to you or any person with whom you are travelling.
Abroad : is outside the territorial borders of your Home Country.
Home Country UK policy : means that you are resident, with a Home, in the United Kingdom, the Channel Islands or the Isle of Man. The United Kingdom, which is one Country for the purpose of this definition, comprises: England, Wales, Scotland, Northern Ireland.
Home Country Irish Policy : means that you are resident, with a Home, in the Republic of Ireland.
Home : is your permanent place of residence in your Home Country, used for domestic purposes, including garages and outbuildings.
Trip : means a journey Abroad, to a destination in the Geographical Area and within the Period of Insurance stated on the Certificate of Insurance, which begins when you set out to travel Abroad, and which normally ends on the date you have planned to return Home.
General Exclusions paragraph 2. Medical:
(1) your death, illness or injury, or that of anyone on whose health your Trip depends, that is caused by or is exacerbated by or is traceable or related to a Pre-existing Condition
(2) pregnancy, childbirth, or any related complication of these conditions, if you are travelling by air or sea if at the start of the Trip, during the Trip or on the return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy
(3) before departure on your Trip, failure to obtain the recommended vaccinations and inoculations, or failing to take with you an adequate supply of all the medications you will require
(4) you having or transmitting any venereal or sexual infections
(5) any injury, illness, death, loss, expenses or other liability due to Human Immunodeficiency Virus (HIV), and/or HIV related illness and/or any mutant derivatives or variations thereof however caused.