If at the time of applying to take out this insurance You or any person to be covered by this insurance are awaiting, or undergoing treatment as a hospital patient, or You are undergoing, or awaiting, any medical investigation/s or consultation with a specialist or awaiting diagnosis or test results, You must contact Us prior to effecting this insurance.

You will not be covered under the Cancellation or Medical Expenses sections if You fail to do so.

Please read the following:

• Are you a wheelchair user, other than para or tetraplegic?
• Received treatment as a hospital in-patient or been under the care of a specialist consultant within the 12 months preceding the date of your application to take out, or renew, this insurance
• Ever been diagnosed with, or treated for, a malignant condition or any type of cancer?
• Been treated for a serious breathing condition within the last ten years.
• Ever been treated for a heart related condition (including angina)?
• Been prescribed medication for the treatment of hypertension (high blood pressure), or diabetes, within the last 12 months?
• Suffered a stroke or required treatment for a cardiovascular condition (circulatory disorder) within the last 5 years?
• Received treatment for, or been diagnosed as suffering from, any psychological or psychiatric disorder, including anxiety, stress or depression within the last 2 years?
• Received any organ transplant, or are currently on dialysis?

To ascertain whether the condition/s can be included under the Cancellation and Medical Expenses Sections of this insurance and if any additional terms and/or conditions will apply. You will be entitled to cancel this insurance and receive a full refund of any premium paid if the terms and/or conditions are unacceptable to You.

If You do not disclose the condition/s, We will be unable to pay any claims relating directly, or indirectly, to the condition/s under these Sections, and Personal Accident Section of this insurance

If after taking out this Insurance You become aware of any circumstances that may give rise to a claim such as changes in your health or that of a person on whom this insurance may depend (e.g. close relative) You must contact Us and tell Us about the changes as soon as reasonably possible and prior to any trip. We may in the light of such changed circumstances alter the terms of this insurance. If the terms applied are not acceptable to You, We will cover You for any loss of deposit, or cancellation charges. You have necessarily incurred up to the date of advice to Us and that are normally covered under Section A of this insurance. In these circumstances no Policy Excess will be applied.

Please note that You are responsible for all costs incurred in obtaining any medical reports required by Us.
All calls are treated in the strictest of confidence.