Travel - Health Conditions

This Insurance contains conditions relating to your health, the health of people travelling with you and the health of others who might not be travelling with you, but on whose health the trip may depend (this would include a relative or a business associate). In particular, we do not cover claims arising from medical problems which you or they had before the policy was purchased. If there is a change in the state of health of yourself, anyone travelling with you, a relative or business associate occurring after you have bought this insurance but before you travel, and upon whom your trip depends, you must contact 123.ie immediately on 1890 242 123 or e-mail travel@123.ie. We have the right to alter the terms of cover in line with the change in risk.

We will not cover the following:

Any claim where at the time of taking out this insurance, the following apply:

  • The claim relates to a medical condition or an illness or death related to a medical condition which you or any person who your trip depends on (this would include a relative or a business associate) knew about before you bought this insurance. You must make sure you tell us about any change in the state of health of yourself, anyone travelling with you, a relative or business associate occurring after you have bought this insurance but before you travel.
  • You are travelling against the advice of a medical practitioner.
  • You are travelling with the purpose of receiving medical treatment abroad.
  • You or any person who your trip depends on are receiving or waiting for hospital investigation or treatment for any undiagnosed condition or set of symptoms.
  • You or any person who your trip depends on having been given a terminal prognosis.