Pre-existing medical conditions

What is a pre-existing medical condition?

In a nutshell, a pre-existing medical condition refers to a health condition diagnosed prior to the purchase of a travel insurance policy.

During our online customer journey, we will ask a handful of questions about your medical history. Firstly, we'll ask about the last five years, focusing on conditions such as heart problems, strokes or respiratory conditions. We will then look to more recent medical history, capturing your on-going prescriptions and conditions. Unfortunately, if you haven't received a diagnosis yet or if you're still under investigation, we will not be able to offer cover for your trip.

Refer to the policy wording for the full health declaration, terms and conditions.

Why cover medical conditions?

When purchasing travel insurance with One Tree Travel, you must disclose the medical history relevant to the policy health declaration, ensuring we have a clear and accurate picture of your medical history to assess the risk of international travel, provide appropriate cover and calculate your insurance premium.

Don't worry about the names of your medication or the dosage. We only need to know the names of your diagnosed conditions, as they would appear on your GP records. When prompted, simply type your pre-existing medical conditions into the search box during our online customer journey. You'll be asked some questions about each condition you declare. Once complete, we'll provide you with a quote and email you a copy of your health declaration so you can check through the details.