Pre-existing medical conditions

Travel Insurance & Pre-Existing Medical Conditions.

Can I still buy OGSure travel insurance if I have a pre-existing medical condition?

Yes. You can still buy OGSure travel insurance if you have a pre-existing medical condition.

The important thing to understand is that we do not cover claims that arise directly or indirectly from a pre-existing medical condition.

That means you may still be covered for many other parts of your trip, but not for claims connected to the condition itself.

What this means in practice

OGSure is designed to keep travel insurance simple.

We do not put you through a long medical screening process just to get a quote. Instead, our policy works on a clear basis:

• if a claim is not linked to a pre-existing medical condition, the rest of your policy may still respond
• if a claim is linked to a pre-existing medical condition, it will not be covered unless we have specifically agreed to cover that condition in writing

So if you twist your ankle on holiday, lose your baggage, or face a travel delay that has nothing to do with a pre-existing condition, your policy may still help.

But if you need to cancel, cut short your trip, or claim for medical treatment because of a pre-existing condition, that would not normally be covered.

What counts as a pre-existing medical condition?

A pre-existing medical condition is usually any illness, injury, condition, or symptom:

• that you have received treatment, medication, advice, or diagnosis for in the last five years, or
• that was known, foreseeable, or already existed before you bought the policy or booked the trip

This can also apply to the health of:

• your travelling companion, or
• a close relative or other person your trip depends on

So if a claim is linked to their pre-existing condition, that can affect cover too.

Our policy at a glance

Here's what's covered and what's not covered when you travel with a pre-existing medical condition.

Do I need to declare my medical condition when I buy?

OGSure is not built around covering pre-existing medical conditions as standard.

Because of that, the process is simpler than many specialist medical travel insurance products.

But if you later make a claim, we may ask for medical information to check whether the claim is connected to a pre-existing medical condition.

If your health changes before you travel, it is always sensible to contact us and check where you stand.

What if I need cover for the condition itself?

If you want cover for a pre-existing medical condition, you will usually need a specialist medical travel insurance provider.

Why some travellers still choose OGSure

Not everyone wants or needs a specialist medical-travel policy.

Some travellers already know they are happy to travel without cover for a pre-existing condition, but still want protection for the rest of the trip.

OGSure can be a sensible option in that situation, because it keeps the process straightforward while still giving you access to cover for many other travel risks.

Frequently asked questions about pre-existing conditions and travel insurance

Can I buy OGSure if I have a pre-existing medical condition?

Yes. You can still buy the policy, but claims linked to a pre-existing medical condition are not covered.

Do I need to declare my medical condition when I buy?

OGSure does not use a full medical screening process as part of the standard quote journey. But if you make a claim, medical information may be needed to assess whether the claim is connected to a pre-existing condition.

What is a pre-existing medical condition?

It is usually any illness, injury, condition, or symptom you have had treatment, medication, advice, or diagnosis for in the last five years, or that was already known before you bought the policy or booked the trip.

Will the rest of my policy still work?

Yes, potentially. If your claim is not linked to a pre-existing medical condition, other parts of the policy may still respond, subject to the wording and exclusions.

Are my travelling companion’s medical conditions relevant?

Yes. If your claim depends on the health of a travelling companion, close relative, or another person your trip depends on, their pre-existing medical condition may affect cover too.

What should I do if I need cover for my condition?

Need help deciding?

If you are unsure whether OGSure is right for your trip, please contact us before you buy.

Planning your next trip?

If you know you don't need cover for a medical condition itself, our travel insurance may be a great fit.

You may also find these pages useful:

• Travel Insurance FAQs
• Policy Documents
• Contact Us
• Emergency Assistance