Medical Screening
Medical Screening notes
As a company we use a number of insurers and they each have different approaches to medical screening. In the main their approaches have improved and we have amongst our stable of product, insurers who will cover in excess of a 1000 medical conditions.
If you have any questions about your medical condition and which policy is most suitable then we encourage you to
Call our Call Centre on 0844 249 9280.
This office is open 7 days a week and based on your responses we can in most cases provide you with a policy which covers your condition at no extra cost.
With regard to travel insurance, what is a pre-existing medical condition?
Whilst the rules vary between our insurers with some being more strict, in the main we are interested in any serious conditions which have required a visit to a hospital or to a specialist in the last 12-24 months. It is important that you read the policy wording for an exact description of what each insurer covers.
However many conditions dont need to be declared via a medical screening line but we always advise that your call and speak to one of insurance team to verify which of our travel insurance policies are suitable for your conditions. It may also be that one travel insurance company will only cover a single item in isolation, say high blood pressure but wont cover you if you also have raised cholestrol. This is where our experience becomes vital as we would then advise of you other insurers who would cover provide all of your medications have been stable over the three period to taking out the travel insurance policy.
As an indicator the following conditions would be covered as standard with no need for medical screening.
Abnormal Smear Test,
Achilles Tendon Injury,
Acne,
Acronyx (Ingrowing Toe-nail)
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 (fullyrecovered, no hospital admissions)
Blepharitis
Blindness
Blocked Tear Ducts
Breast - Fibroadenoma
Breast Cyst(s)
Breast Enlargement/Reduction
Broken Bones (other than heador 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 (ifonly 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, nohospital admissions)
Cystocele (fully recovered, nohospital admissions)
D & C
Deaf Mutism
Deafness
Dental Surgery
Dermatitis (no hospitaladmissions 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)
Femoral Hernia
Fibroadenoma
Fibroid - Uterine
Fibromyalgia
Fibromyositis
Fibrositis
Frozen Shoulder
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 adefinite 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
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)
Wry Neck (Torticollis)
We can provide for travel insurance for prexisting conditions such as high blood pressure, cancer, heart conditions, high cholestrol, asthma, diabetes, down syndrome etc providing you call to discuss first so that we can advise on the most suitable policy. Call centre number is 0844 2499280
Overview on each Insurers rules on Medical screening, see below
For an overview of Elects rules on medical screening please click here.
For an overview of InsureFors rules on medical screening please click here.
For an overview of Voyager Webroker rules on medical screening please click here.
For an overview of Voyager Leisure, Action and Action Plus approach to medical screening please click here.
Economy Cover
Standard Cover
Premier Cover
Bronze Cover
Silver Cover
Gold Cover
Voyager Cover
Webroker Cover