What happens if my health changes after I have purchased my policy?

If your health or the health of someone travelling on your policy changes after you have purchased your policy, it is very important that you let us know to ensure you have the correct cover in place when you travel.


A change in health will any change to the status of a medical condition already declared to us, or where you would now answer “yes” to any of the following questions:



  1. Have you been prescribed medication in the last 2 years whether you are taking it or not? This includes tablets (including Morphine based pain killers), inhalers or injections.
  2. Do you currently routinely visit a GP, hospital or clinic for check-ups/consultations or treatments? This includes annual reviews or reviews once every 2 years for a condition.
  3. Are you visited by a doctor or nurse, or carer for check-ups or treatment (including dressings being changed)?
  4. Have you been admitted into hospital or undergone surgery in the last 2 years.
  5. Have you received treatment for heart, stroke, or respiratory related illness in the last 5 years?
  6. Are you currently waiting for any results of tests/investigations or awaiting any consultations or referrals or on any waiting lists?


This does not apply if you would answer “yes” to these questions because of the following:


  • Coughs, colds, Influenza (flu) where you have not required any treatment for any complications, such as pneumonia, and have not required any hospital admission.
  • COVID-19 if you have not required hospital admission.