We’ve Updated Our Medical Declaration Process; here’s what It means for You!

At Just Travel Cover, we understand that declaring medical conditions can sometimes feel like the most complicated part of buying Travel Insurance.

That’s why we’ve made updates to our medical declaration process to make it clearer, easier to follow, and more supportive for customers.

In this blog, we’ll explain what’s changed, why we’ve made these improvements, and what it means for you when you’re arranging your cover.

What’s Changed in the Medical Declaration Process?

We’ve recently updated the way we ask about pre-existing medical conditions when you apply for a Travel Insurance quote.

Instead of reviewing your full medical history, the updated process now focuses primarily on the last five years rather than ever, helping make the journey simpler, quicker, and easier to complete.

The changes are designed to improve the overall experience when declaring medical conditions, helping customers move through the process with more confidence and less uncertainty.

As part of the update, we’ve:

• Made questions easier to understand
• Improved the flow of the declaration journey
• Simplified how information is presented
• Helped make it easier to provide accurate and complete details

While some of the questions may now look a little different, the purpose remains the same to make sure your policy reflects your individual circumstances and helps provide the right cover for your trip.

Why Have We Made These Changes?

We know medical screening can sometimes feel overwhelming, especially if you’re unsure what information you need to provide.

By updating the medical declaration process, we’ve been able to improve clarity and consistency while making the customer journey more straightforward. The updated question set is designed to ask the right questions at the right time, helping customers provide more accurate information from the start.

For many travellers, this could also mean that historic conditions which no longer affect day-to-day health may not need to be declared.

These changes help us provide quotes that are more reflective of your current circumstances, while continuing to ensure customers receive appropriate cover for their needs.

How This Benefits You

• Clearer guidance
  Questions are easier to follow, helping you understand exactly what information is needed.
• A simpler declaration process
  Focusing on the last five years can make declaring medical conditions quicker and less complicated for many travellers.
• More confidence in your cover
  By improving accuracy in the declaration process, you can feel more confident that your policy reflects your needs.
• Pricing to reflect current conditions
  Quotes may now better reflect your current medical circumstances rather than older medical history alone.
• A smoother experience
  The updated journey is more intuitive, helping you complete your insurance purchase with less uncertainty.

What If You Already Have a Policy?

If you already have a Travel Insurance policy in place and have previously declared medical conditions, those declarations will remain on your existing policy.

When you next arrange cover, you’ll simply complete the updated medical screening questions based on your circumstances at that time. 

Why you must declare all pre-existing medical conditions

Declaring your medical conditions accurately is an important part of arranging Travel Insurance and helps ensure your policy is tailored to your individual needs.

At Just Travel Cover, we understand that many travellers have pre-existing medical conditions, which is why we work with specialist insurers to help provide suitable cover options.

If you become unwell or are involved in an accident abroad, failing to declare a relevant pre-existing medical condition could affect your cover or lead to difficulties when making a claim.

With the cost of emergency medical treatment overseas continuing to rise and many claims reaching tens of thousands of pounds, particularly in destinations such as the USA and Spain falling ill abroad can quickly become extremely expensive without the right Travel Insurance in place.

That’s why it’s so important to take the time to provide complete and accurate information when purchasing your policy. Doing so helps ensure you have the appropriate cover in place and gives you greater peace of mind while travelling.

Pre-existing medical conditions are common and declaring them does not necessarily mean you will be unable to get cover. In many cases, cover can still be provided, although terms and premiums may vary depending on your individual circumstances.

Any ongoing medical conditions that still require treatment, medication, monitoring, or regular reviews should continue to be declared within the medical screening process.

If you’re ever unsure whether something needs to be declared, it’s always best to include it or seek guidance before completing your purchase.

Don’t forget

Please review the questions carefully.

You must declare ALL pre-existing medical conditions for yourself and any travellers named on the policy.

Travellers named on the policy must not be travelling against the advice of a doctor or medical professional, travelling specifically to receive medical treatment during the trip, or in the knowledge that they are likely to need medical treatment.

Pre-existing medical conditions will only be covered if declared and accepted by us in writing. Failure to declare ALL pre-existing medical conditions may result in claims being rejected.

We’re here to help!

If you’re unsure how to answer any questions or need support during your medical declaration, our dedicated team can help.

You can find our opening hours and contact details here.