Your Policy Booklet - AllClear Travel Insurance

HEALTH/PRE-EXISTING MEDICAL CONDITIONSThis policy is primarily designed for travellers with pre-existing medical conditions and theirtravelling companions. For the purposes of this insurance, YOU are considered to have a preexistingmedical condition if YOU answer “Yes” to any part of the following question, which YOUwere asked when YOU applied for insurance with US:Have YOU or anyone in YOUR party in the last two years - Please answer yes or noa) any medical condition you have been prescribed medication, including repeat prescriptions orreceived treatment or attended a GP surgery/Specialist in the last two years.b) attended a hospital, clinic or GP surgery/Specialist as an out-patient or in-patient in the last twoyears.c) been currently placed on a waiting list for treatment or investigation.d) been diagnosed by a medical practitioner as suffering from a terminal illness.Please note: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 treatmentor consultation abroad.• WE will cover YOU for pre-existing medical conditions YOU have declared to US and whichWE have accepted in writing. These medical conditions are set out in the “Medical DeclarationSchedule”.• WE will not cover YOU for any pre-existing conditions which do not appear in the “MedicalDeclaration Schedule”.• WE will not cover YOU if YOUR state of health was worse than YOU declared to us at the timeYOU purchased this policy.• Please check that the information set out in the “Medical Declaration Schedule” is correct. If itis not, YOU must call the OK To Travel Ltd call centre on 01223 446920 to tell US.Electing to exclude cover for pre-existing medical conditionsWE do not recommend that YOU do this as YOU are exposing YOURSELF to substantial medicaland repatriation expenses if YOU fall ill abroad. Moreover, if YOU cancel or curtail YOUR tripdue to a pre-existing condition YOUR claim will not be covered.If YOU did choose to exclude pre-existing conditions but change YOUR mind before YOU travel,please call the OK To Travel Ltd call centre on 01223 446920 as WE may be able to cover them.Non-travelling relatives and travelling companionsIf YOU have a travelling companion who is insured on a separate policy with another provider, ora non-travelling close relative on whose state of health the trip depends, i.e. if they were to die orfall seriously ill YOU would wish to cancel or curtail YOUR trip. WE are unable to provide coverfor any claim arising as a result of an existing medical condition of a non-travelling close relative,close business associate or friend, or any known or recognised complication of or caused by theexisting medical condition.16