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Q: What is a pre-existing medical condition?


A pre-existing medical condition is any medical condition which falls into any of the following categories which any person insured on the policy has, or has had, for which they have received treatment (including surgery, tests, or investigations by a doctor, consultant or specialist, and prescribed drugs or medication) in the last 2 years:

  • any blood circulatory condition including, but not limited to, high blood pressure, hypertension or high cholesterol
  • any heart-related condition
  • any diabetic condition
  • any neurological condition including, but not limited to stroke, brain haemorrhage or epilepsy
  • any breathing condition including, but not limited to, asthma, emphysema or chronic obstructive pulmonary disease
  • osteoporosis or any arthritic condition
  • any bowel condition including, but not limited to, Crohn’s disease or irritable bowel syndrome
  • any psychiatric or psychological condition including, but not limited to anxiety or depression.


  • any cancer-related condition for which you have had treatment or hospital tests for in the last five years
  • any medical condition for which in the past 12 months, you or any person insured on the policy has been referred to or seen by a hospital doctor or surgeon other than an A&E doctor, or needed in-patient treatment in hospital.

For your information, examples of conditions that can directly or indirectly be linked to any pre-existing medical condition include, but are not limited to:

  • someone with breathing difficulties who then suffers a chest infection of any kind
  • someone with high blood pressure or diabetes who then has a heart attack, stroke or mini-stroke
  • someone who has or has had cancer who suffers with a secondary cancer
  • someone with osteoporosis who then suffers with a broken or fractured bone

You must inform Co-op Travel Insurance of any pre-existing medical conditions you have before purchasing insurance. To do so, you can use our quick and easy online medical screening system or you can call us on 0330 400 1626^.

^Call charges

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