One of the many benefits of Big Cat Travel Insurance is that any of the following medical conditions defined in the policy as an Automatically Covered Pre-Existing Medical Condition does not have to be declared to the medical help line for cover to be provided.
If you want to extend coverage to include a known medical condition, you can call our medical screening helpline, in confidence, on: 01702 427 237
Definition of a Pre-Existing Medical Condition:
a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have ever received treatment (including surgery, tests or investigations by your Medical Practitioner or a consultant/specialist, or prescribed drugs/medication).
b) Any Medical Condition for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months, or prescribed drugs/medication.
You do not need to call the medical screening helpline in respect of the following Automatically Covered Pre-existing Medical Conditions, as they are automatically covered at no additional premium provided you do not also have a Pre-existing Medical Condition. If you have a Pre-existing Medical Condition in addition to any of the following Automatically Covered Pre-existing Medical Conditions all conditions will be excluded from cover unless disclosed to the medical screening helpline and additional cover agreed in writing.
Automatically Covered Pre-existing Medical Conditions (no declaration required) :
Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years,
Arthritis (the affected person must be able to walk independently at home without using mobility aids),
Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication),
Blindness or partial sightedness,
Carpal tunnel syndrome,
Chicken pox - if completely resolved,
Common cold or flu,
Cuts and abrasions that are not self-inflicted and require no further treatment,
Cystitis - provided there is no on-going treatment,
Diabetes (which is controlled by diet or tablets only),
Diarrhoea and vomiting - if completely resolved,
Enlarged prostate - benign only,
Ligament or tendon injury - provided you are not currently being treated,
Migraine - provided there are no on-going investigations,
RSI, Sinusitis - provided there is no on-going treatment,
Skin or wound infections that have completely resolved with no current treatment,
Under active Thyroid (Hypothyroidism),
Varicose veins in the legs.
The medical screening helpline is optional for those persons wishing to establish if additional cover may be offered to include Pre-existing Medical Conditions. You will be asked for your personal and travel details. Please have your insurance policy number to hand if known.
You will be advised whether the Pre-Existing Medical Condition may be covered, an optional additional premium may be quoted and whether any amendments will be made to the policy terms and conditions.
If terms can be provided for the condition and you elect to take up the offer of the additional cover, you will be given a medical screening reference number and a letter will be sent to you upon receipt of payment. Any additional premiums must be paid directly to the medical screening helpline and not the company you are arranging your travel insurance with.
Should you not contact the medical screening helpline or not wish to take advantage of the optional terms quoted by the medical screening helpline, you will not be covered for any claims arising directly or indirectly from a Pre-existing Medical Condition.
There is no cancellation or curtailment cover for a Pre-Existing Medical Condition of persons not necessarily travelling but upon whom travel depends, such as a Close Relative, unless disclosed to the medical screening helpline by that same Close Relative and additional cover agreed.
You should also refer to the General Exclusions of this Policy Document.