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Medical

  1. What type of medical condition do I need to declare?

    Please refer to the important conditions relating to health detailed within the policy wording.

  2. I have an existing medical condition; can I still have cover under this policy?

    Cover may still be offered but this is subject to you declaring your medical condition/s through our screening service Healthcheck247. This can be integrated within your quotation or please visit www.Healthcheck247.com and follow the simple online instructions.

  3. A member of my family (not travelling) has an existing medical condition; am I covered to cancel or return home?

    Subject to certain policy terms and conditions, cover may be provided. Please refer to the important conditions relating to health detailed within the policy wording.

  4. My doctor told me that it would be unwise to travel abroad. Does this invalidate my policy?

    Unfortunately, our policy will not cover you if you travel against medical advice. If you are unable to travel then you may be entitled to submit a claim for cancellation.

  5. A member of my family or travelling party has an existing medical condition; can they still have cover under this policy?

    All insured persons with existing medical conditions must declare their condition(s) through our medical screening service Healthcheck247.

  6. I am currently under a course of treatment with my GP. Should I declare this to the insurance company?

    Yes, you should contact our screening department Healthcheck247 to advise them of your medical condition(s).

  7. What is the European Health Insurance card (EHIC)?

    The European Health Insurance Card (EHIC) entitles United Kingdom residents access to necessary state–provided medical treatment, during a temporary visit in the European Economic Area (EEA) countries and Switzerland - at a reduced cost or free of charge. Please click here to apply.

  8. What are the benefits of using the EHIC?

    Use of the EHIC removes the policy excess in the event of requiring medical assistance abroad or when submitting a medical expenses claim, where valid. The EHIC also entitles access to necessary state–provided medical treatment at a reduced cost or free of charge. Please click here to apply.

Helpful Information

Accepted conditions

The following medical conditions are automatically covered and you do not need to tell us about them, as long as you:
  1. have no other pre-existing medical conditions which are not listed below
  2. are not awaiting surgery for the condition
  3. have been fully discharged from any post-operative follow-up

Special Terms

In addition to any Medical Condition on the list above, you may be automatically accepted for cover, provided You do not have more than ONE of the following Medical Conditions or ANY other Pre-existing Medical Condition.


Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis, Reiter's Syndrome, Rheumatism, Synovial Inflammation):
 • 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 nebuliser, 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 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, Controlled Blood Pressure):
 • No more than 2 medications.
 • There must have been no change in treatment within 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
Citybond Suretravel is a division of Citybond Holdings plc, 109 Elmers End Road, Beckenham, Kent BR3 4SY
Registered in Cardiff No. 1478367. Authorised & Regulated by the Financial Conduct Authority