Pre-existing medical conditions

American Express provides cover for many pre-existing medical conditions, subject to medical screening. Medical screening can be completed online as part of the quote process, or by calling us directly on 0800 028 7573 to speak to one of our insurance specialists.

What is a pre-existing medical condition?

A pre-existing medical condition is defined as:

Any past or current medical condition that has resulted in symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received during the 2 years prior to the commencement of cover under this policy.
Any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under this policy.
Any symptoms for which you are awaiting investigation/consultation, or are awaiting results of investigations, where the underlying cause has not been established.

Online Medical Screening

You will be prompted at step 4 of the quote process, ‘Declaration’ to answer a series of questions that will determine if medical screening is necessary. If you answer yes to one or more of the questions, you will be taken through a simple medical screening process. We will then determine if we can provide cover. You may be subject to an additional premium to cover a pre-existing medical condition. If we are unable to provide cover for your medical condition, we will still cover you for events that are not related to your medical condition. If you have further questions, or wish to speak to an insurance specialist, please call us directly on 0800 028 7573. If you have already completed an online quote, please reference your quote number to help us find your details quicker.

Travel Insurance quick quote

Single Trip: For those planning only one trip in a year.
Annual:For those planning more than one trip in a year.
Gap:For longer term breaks and gap years.

Annual policies could save you time and money compared to purchasing a Single Trip policy. See our FAQs for more details.

European Cover:
The following countries are included within our definition of Europe: Albania; Andorra; Austria; Azores; Balearics; Belarus;Belgium; Bulgaria; Canary Islands; Channel Islands; Corsica; Croatia; Cyprus; Czech Republic; Denmark; Egypt; Estonia; Finland; France; Germany; Gibraltar; Greece; Hungary; Iceland; Israel; Italy; Latvia; Liechtenstein; Lithuania; Luxembourg; Madeira; Malta; Moldova; Monaco; Morocco; Netherlands; Norway; Poland; Portugal; Republic of Ireland; Romania; Russia west of the Ural Mountains; San Marino; Sardinia; Sicily; Slovak Republic; Slovenia; Spain; Sweden; Switzerland; Tunisia; Turkey; Ukraine; and the United Kingdom area*.

Worldwide Cover:
All countries worldwide including the United Kingdom area*.

Worldwide Cover excluding North America and the Caribbean: All countries worldwide including the United Kingdom area* but excluding North America and the Caribbean.

North America.
The United States of America and Canada.

The Caribbean
Anguilla; Antigua and Barbuda; Aruba; Bahamas; Barbados; Bermuda; British Virgin Islands; Cayman Islands; Cuba; Dominica; Dominican Republic; Grenada; Guadeloupe; Haiti; Jamaica; Martinique; Montserrat; Navassa Island; Netherlands Antilles; Puerto Rico; Saint Barthelemy; Saint Kitts and Nevis; Saint Lucia; Saint Martin; Saint Vincent and the Grenadines, Trinidad and Tobago; Turks and Caicos Islands; the US Virgin Islands; and includes cruising in waters around these islands.

*Please refer to Important Notes about your Policy, for limitations which apply to trips solely within the United Kingdom area. This can be found under Policy Terms and Conditions.

From (dd/mm/yyyy)

To (dd/mm/yyyy)

Duration

Age (of eldest adult on first day of travel)

Age (of eldest traveller) on the first day of travel

Couple and family policies cover those who have been living at the same address for the past 6 months. Family policies include cover for children under 18 years of age (21 years for Prestige policies).

Please note a family policy can only have a maximum of 2 adults.

No. of children

Award Winning Travel Insurance

Discounts

Have a question?

Check our FAQs or call

0800 028 7573

Monday - Friday 9am - 5pm

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All quotations are valid for 7 days subject to no material changes in your requirements or personal details. The 5% discount applied is applicable to the core insurance policy price, and is exclusive of any additional options purchased.

For all internet travel insurance applications, you will not receive advice or a recommendation from us. We will ask you questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. American Express Insurance Services Europe Limited, registered in England and Wales. Company Number 05048826, registered office 76 Buckingham Palace Road, London, SW1W 9AX authorised and regulated by the Financial Services Authority. Calls may be taped or monitored for quality, training and compliance purposes. Policy terms and conditions apply.

Prices quoted include various discount options. Terms and Conditions apply.

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