Pre-Existing Medical Conditions

Declaring conditions

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Cover for Pre-Existing Medical Conditions

Before purchasing one of our policies, you are required to answer a few questions about your medical history. It is important that you answer these questions carefully and accurately. If the answer to any of the questions is ‘yes’, you must declare the relevant conditions, treatment or medication to our underwriter’s medical screening team. This can be done either online or by telephone.

Some pre-existing medical conditions can be covered at no extra cost. However, some conditions may require an additional premium to be paid. Once you have completed the medical screening process, you will be told whether your condition can be covered and whether you need to pay an extra premium.

Please see below for further information regarding declaring pre-existing medical conditions. It's important to note that claims will be denied if conditions haven't been declared so if in doubt, please declare the condition, diagnosis or treatment you may have received.

If you find that you are required to contact the medical screening team, you will be asked for the name of the policy against which you are looking to declare conditions, ie the “Go Walkabout Longstay” policy or the “Go Walkabout Economy 500” policy for instance.

You have the option of declaring the pre-existing condition either online using our underwriter's medical declaration service, or over the phone via their medical screening team. For more information about each option, please select from below:

A declaration can be made online using the following link: www.gowalkabout.medonline.co.uk

When completing the medical screening process, you will be asked for the type of the policy you are looking to purchase. If you are completing the process online you will need to select one of three options. Once the option for the type of policy is selected, you will be asked to enter your travel dates. You will now be able to select the exact policy for which you need to declare the medical condition.

Please see the table below for which option needs to be selected in order to select the correct policy:

 

Go Walkabout Longstay PoliciesGo Walkabout Multi TripGo Walkabout Single Trip
BackpackerStandard Annual Multi TripEconomy 500
LongstayBudget Annual Multi TripFirst Class
Working Holiday Emigration Gold
  Emigration Silver

 

You will also need to provide details of height, weight and any regular prescribed medication.

If you go through the process online, please be aware that the Backspace button will take you back to the beginning of the screening process.

Please note that if an additional premium is required to cover your pre-existing medical conditions, then this payment should be paid directly to the screening team who will confirm terms of cover to you by email.

If you would prefer to complete the medical screening process by phone, you will need to give our medical screening line a call on 0203 829 6656. They are available Monday to Friday between 8am to 8pm, and on Saturdays from 9am to 5pm.

They will ask you for the type of policy against which you are looking to declare conditions, as well as your travel dates and details of any medical conditions, treatment you have received in the last 2 years and any regular medication that you have had prescribed.

Please note that if an additional premium is required to cover your pre-existing medical conditions, then this payment should be paid directly to the screening team who will confirm terms of cover to you by email.

Upon completion of the process (online or phone), and when any additional premium has been paid if necessary, you will be issued with a medical screening reference number which can be given to us over the phone or entered online at the final stage of setting up a policy online.

If your health or your ongoing medication changes between the date the policies were bought and the date of travel you must advise our underwriter's declaration team on 0203 829 6656 as soon as possible. We will advise you what cover we are able to provide, after the date of diagnosis. We reserve the right to increase the premium, increase the excess, exclude the condition or withdraw the cover should the stability of the condition make it necessary.

If your answer to any of the medical questions changes to ‘yes’ at any point after the purchase of this policy, you must call to inform us of this change in health to ensure you are fully covered for your trip.

Please note: we will not cover denial of boarding by the airline so you should check that you will be able to travel with the carrier/airline in advance as regulations vary from one carrier/airline to another.

We hope that this information has been useful. Please don’t hesitate to contact us if you require any further assistance.