Medical conditions

Our wide-ranging cover includes cover for many declared pre-existing medical conditions and a number of waiting list procedures. In addition the application process includes easy to use online medical screening.

What is medical screening?

This is a series of questions about your medical health, which determines the cover we can offer you. These questions can be answered over the phone or online. All personal and medical details are held in strict confidence in accordance with the Data Protection Act 1998.

I suffer from a medical condition. Can you provide cover?

At Saga we can cover many medical conditions under our travel insurance policy, we will ask a series of questions to assess if cover can be offered.

What is a pre-existing medical condition?

If you have taken any medication, or received treatment for any condition(s) by a doctor or at a hospital or nursing home.

I am having medical tests, is this classed as a pre-existing medical condition?

We cannot assess a condition until it has been diagnosed. We would advise that you wait until you have the results from your medical practitioner. Once a condition is diagnosed we can then assess it.

I am on a waiting list for treatment. Can I still get cover?

Yes, providing that the condition you are on a waiting list for is one that we cover and you are not travelling against your UK doctor’s advice. But where a claim is made under the Cancellation or Abandonment sections of the policy as a direct result of the medical condition for which you are on a waiting list, you will not have cover under these sections.

Please make sure that you declare any medical conditions when receiving your quote.

Why does my pre-existing medical condition need covering?

When travelling abroad medical treatment can be very expensive and bills could run in to the thousands if comprehensive cover is not taken out before you leave.

Why can’t you exclude my pre-existing medical condition like other companies do?

At Saga we aim to provide comprehensive cover for all of our customers. If we excluded your medical condition and you became ill whilst abroad as a result of your condition, the policy would not cover any medical emergency or treatment costs or be able to assist with any repatriation requirements. All bills would have to be funded by you and these can become very expensive in overseas hospitals and clinics. The British Consulate or Foreign & Commonwealth Office is unable to help with medical costs if you are unable to pay yourself.

Will I need a medical certificate to take out insurance?

No, we do not ask for a certificate as long as your doctor has confirmed with you that you are fit to travel. We will rely on you answering the medical questions accurately. We will not cover claims for any existing medical conditions which you have not told us about.

What should I do if I develop a medical condition once I have bought my policy but have not travelled yet?

If you develop a medical condition once you have taken out our policy you should notify us immediately to enable us to tell you if we can continue with cover. Any conditions that arise before you go on holiday that are not declared may invalidate your policy.

If you are over 50, find out more about Saga Travel Insurance, or alternatively call one of our advisors on 0800 015 8055. Saga also offers a wide range of health insurance plans to suit your needs. Find out more about Saga Health Insurance


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Medical conditions