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Policy Details

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Policy Wordings

For policies issued after 1st January 2014:

Policy Wording 2014

Policy Summary 2014

For policies issued from 1st January 2013 to 31st December 2013:

Policy Wording 2013

Policy Summary 2013


Application forms


Trip Travel application form 2014

Year Round application form 2014

Long Stay application form 2014

Young Traveller application form 2014


Please ensure you have read the above information and about our services in order to be aware of the full terms and conditions.

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):
 • 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

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