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- What is medical screening for travel insurance?
What is medical screening for travel insurance?
Medical screening is part of the quote process. Medical screening for Travel Insurance with pre existing conditions is a number of simple questions about the medical conditions you declare. Travel Insurance providers carry out medical screening to ensure that they offer you the right level of cover.
Medical screening questions
Examples of questions asked during medical screening include:
- Have you had any surgery, inpatient, or outpatient treatment or any referrals or investigations?
- Have you had any unplanned hospital admissions?
- How many medications do you take?
- Are you or have you ever been a smoker?
Declaring all pre-existing medical conditions during the screening process
You need to declare all medical conditions which fall inside of the medical warranty. You can find the medical warranty at the start of the quote process.
Do you have to include a medical condition that doesn’t affect you?
Yes, you’ll need to declare all medical conditions which fall inside of the medical warranty. Although conditions can be well managed and controlled at home, that can change when travelling. So it’s important to make sure that you are fully covered for all eventualities.
Clinical Nurse Specialist, Kay Greveson, explains: “A pre-existing medical condition can be affected by changes in temperature and climate and should always be declared, even if it is being controlled by medication.”
Declare your conditions, not your symptoms
You will only ever need to declare the name of your diagnosed medical condition. The screening questions may then ask you about your symptoms.
Do you need to declare a condition for which you do not have medication or/ no longer take medication for?
Yes – you’ll need to declare any medical condition which falls inside of the medical warranty.
Do you need to declare a condition that was incorrectly diagnosed?
You won’t need to declare a condition if it was misdiagnosed and is not something you’re living with. You will, however, need to declare the correct diagnosis for the condition.
Do you need to declare a voluntary hospital admission if the question asks about compulsory admissions?
As you have not yet had the procedure, you will need to declare the medical condition which you are waiting for a procedure. You will then just answer the medical questions relating to this medical condition.
No, if the question specifies ‘Compulsory’ you’ll not need to include a voluntary hospital admission.
Do you class attending A&E as an admission?
No, we do not class attending A&E as an admission.
Do you need to declare a one-off episode?
Yes, you’ll need to declare a one-off episode if it’s for a diagnosed medical condition. You must declare all medical conditions which fall inside the medical warranty and you must be ‘fit to travel’. If the one-off episode is for an undiagnosed condition that you are under investigation for we cannot offer cover. If you are currently
Do you need to declare private medical treatment during the screening process?
Around 11 per cent of the UK population has some form of private medical insurance. Therefore many people make use of private medical treatment. If you are one of the many seeing a consultant privately you would need to include this when completing your quote.
Do you need to declare a drug or alcohol-related medical condition?
Alcohol is a causal factor in more than 60 medical conditions. You must declare all pre-existing medical conditions. No matter the cause of a condition,
The AllClear medical screening process
At AllClear, we understand that travelling with a medical condition means you have a few more things to consider. So, we keep our medical screening process as quick and simple.
Hear what our customers have to say about our Medical screening:
Easy to use website
“Easy to use the website. Questions were straightforward and insurance options clear. Documents came in post in 2 days” – Denise
Read AllClear Trustpilot Reviews
Trustpilot
Benefits of AllClear Cover
| Gold | Gold Plus | Platinum | ||
|---|---|---|---|---|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited | |
| Cancellation* and Curtailment | Up to £2k | Up to £15k | Up to £25k | |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 | |
| Recuperation stay | ||||
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £3k | |
| Personal liability | Up to £2m | Up to £2m | Up to £2m | |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k | |
| * If you buy a policy which includes cancellation cover | ||||
| All these figures are per person and per trip | ||||
Freephone to get your quote on: or
Author notes
Written by Lydia Crispin, MA Content Creator at AllClear
Edited by Letitia Smith, M.Sc. Content Manager at AllClear
Written by: Lydia Crispin | Travel Insurance Expert
Last Updated: 23 February 2024
† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.
