Travel Insurance — Your questions answered

You should be aware that travel Insurance is not private medical insurance, in that it only covers unavoidable, unexpected emergency treatment. You are not covered for private medical treatment if there are medically capable public facilities available.

If you become unwell, or sustain a minor injury whilst abroad, you must call our 24/7 assistance team so that they can help you find appropriate treatment locally.

However, you should call the local emergency services immediately, 112 in Europe, 911 in the USA and Canada or the local equivalent to 999, if you have any symptoms that might require emergency treatment including, but not limited to, difficulty breathing, chest pain, seizure (fit) activity, decreased level of consciousness, heavy bleeding, sudden swelling of the face and lips, signs of a stroke or any other life-threatening condition. You must, in all cases call our 24/7 assistance team to authorise cover. Failure to do so may invalidate your claim.

1. been prescribed medication, or received treatment or attended a medical practitioner's surgery in the last 2 years
2. attended a hospital or clinic as an out-patient or in-patient in the last two years
3. been currently put on a waiting list for treatment or investigation
4. been diagnosed by a medical practitioner as suffering from a terminal illness
5. ever had any stress, anxiety, depression, or psychiatric condition such as eating disorders, drug or alcohol abuse or mental illness for which you have been treated or diagnosed.
    

Goodtogoinsurance.com is designed to offer cover to people with medical conditions and their travelling companions. You will be asked a series of health questions, which enable you declare your medical conditions quickly and easily. In most cases we will be able to provide a quotation to cover your conditions. 
It is important that you declare all of your existing medical conditions and answer the questions honestly and accurately.If you don't declare all of your conditions any claims that you make may not be paid in full, or could be declined completely.
If you are travelling with friends or family and one of you suffers from pre-existing medical conditions it pays to be covered on the same travel insurance policy.
When the whole party is covered on the same policy, they will all, including those without medical conditions, have cover in place if the holiday has to be cancelled due to another travellers pre-existing medical condition - so long as that condition was declared at time of purchase.

1. You must be fit to undertake your planned trip
2. You must not travel against medical advice or with the intention of obtaining medical treatment or consultation abroad
3. We will cover you only for pre-existing medical conditions that you have declared to us and which we have accepted in writing. These are set out in the policy document pack, along with the answers you gave to our medical questions.
4. We will not cover you if your state of health was worse than you told us at the time you purchased your policy.

Travelling When Pregnant

We provide cover under this policy if something unexpected happens. In particular, we provide cover under the Emergency Medical and Repatriation Expenses section for accidental bodily injury or illness. We don’t consider pregnancy or childbirth to be an illness or accidental bodily injury.

To be clear, we only provide cover for Cancellation, Curtailment and Emergency Medical and Repatriation Expenses for claims that come from Complications of Pregnancy and Childbirth.

Complications of pregnancy and childbirth only includes the following:

Toxaemia (toxins in the blood), Bicornuate uterus, Gestational diabetes (diabetes arising as a result of pregnancy), Gestational hypertension (high blood pressure arising as a result of pregnancy), Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of  pregnancy), Ectopic pregnancy (a pregnancy that develops outside of the uterus), Foetal Growth Retardation due to Placental Insufficiency, Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue), Post-partum haemorrhage (excessive bleeding following childbirth), Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery), Placental abruption (part or all of the placenta separates from the wall of the uterus), Hyperemesis gravidarum (excessive vomiting as a result of pregnancy), Obstetric cholestasis, Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix), Stillbirth, Miscarriage, Emergency Caesarean section, A termination needed for medical reasons, or Premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date. 
 
We will not cover denial of boarding by your carrier, so you should check that you will be able to travel with the carrier/airline in advance. If at the time of booking your trip you are aware that you are pregnant, you must ensure that you are able to have the recommended vaccinations and inoculations by the UK government for that trip; no cover will be provided for cancellation in the event that, after booking you discover travel is advised against, or you are unable to receive the appropriate and recommended vaccinations and inoculations for that country.  

Please make sure your Medical Practitioner and Midwife are aware of your travel plans, and that there are no known complications, and you are fit to undertake the planned trip.