Pre-Existing Medical Conditions

We cover a range of pre-existing medical conditions automatically.

Please refer to the list below to confirm whether your condition(s) or any additional travellers' condition(s) are automatically covered.
The pre-existing medical conditions listed in the table below are automatically covered under this policy without assessment or additional charge, provided:

  • the condition has been stable for more than 12 months; and
  • there is no planned surgery, treatment or specialist review; and
  • you have not attended hospital for treatment for the condition in the past 12 months


Automatically Covered Conditions

  •  limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
  •  - providing that you:
  • a) have no other lung disease; and
  • b) are less than 60 years of age at the date of issue of the Certificate Of Insurance.
  • - providing you:
  • a) were diagnosed over 12 months ago, and
  • b) have no eye, kidney, nerve or vascular complications, and
  • c) do not also suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia, and
  • d) are under 50 years of age at the date of policy issue
  •  - providing you have not had any seizures in the past 12 months, and you are on no more than one anticonvulsant medication
  • - provided you do not also suffer from a known cardiovascular disease
  •  - provided you do not also suffer from a known cardiovascular disease and your most recent reading is less than 165/95

 Assessment By Application

You MUST apply for cover for any other pre-existing medical condition(s) that are not described below, even if you no longer receive treatment for them and you do not require any additional cover.


How To Apply For Cover For A Pre-Existing Medical Condition

To add a pre-existing medical condition(s), you MUST let us know at the time you buy your policy and complete medical screening. We will ask you some questions about your health and then determine whether we can offer you cover and if so, on what terms. This process can be completed online while purchasing your policy or over the phone.

Depending on your condition, we may decline to cover you, limit the amount of cover, exclude specific medical condition and/or agree to provide cover for an additional premium.

Each condition that we agree to cover will be noted on your certificate of insurance after you pay any applicable additional premium. You are not covered unless the condition is noted on your certificate of insurance.

We will only pay for treatment that was not expected at the time we agreed to insure you.





Insurance products can be quite complicated, but don't be intimidated.

All you need is your dates of travel, each traveller’s age and your chosen destinations and we’ll provide you with a range of cover options to choose from.


Simply Travel Insurance is designed to offer you great options for a great price. We strive to make your choices as simple as possible, so you can focus on the fun part, travel.

Our policies are split into simple categories to fit different styles of travel.


Let us take the stress out of your next trip. Purchase a Simply Travel Insurance policy to be covered instantly for a range of benefits.

Enjoy the peace of mind of knowing your policy is underwritten by certain underwriters at Lloyd's.