Medical Screening for Travel Insurance

How to Avoid Surprises

Are you planning a trip abroad? If so, you may want to consider purchasing travel insurance to protect yourself against unforeseen events such as accidents or illnesses. However, when applying for travel insurance, it is essential to be honest about your medical history, as this information can determine the cost of your policy and the level of coverage you receive.

In this article, we will explore the importance of medical screening for travel insurance, what it involves, and how to avoid any surprises during the application process.

The Importance of Medical Screening

When applying for travel insurance, you will need to complete a medical declaration form that asks about your current health status and any pre-existing conditions you may have. It is crucial to be honest and provide accurate information, as failing to do so could result in your policy being cancelled or your claim being denied.

By disclosing your medical history, the insurance provider can assess the level of risk involved and customise your policy to meet your specific needs. This ensures that you have adequate coverage in case of any medical emergencies while travelling.

What is Medical Screening?

In some cases, the medical declaration form may not provide enough information for the insurance provider to accurately assess your risk. In such cases, you may be required to undergo a medical screening.

A medical screening involves a series of questions about your health and any pre-existing conditions you may have. The screening may be conducted over the phone or in person by a qualified nurse or medical professional.

The nurse will ask questions about your medical history, medication use, and any recent hospitalizations or surgeries. They may also ask about your travel plans, such as your destination, length of stay, and activities you plan to participate in.

The screening helps Millstream determine the level of risk involved and what medical coverage is required for your trip.


Can You Get Travel Insurance with a Pre-existing Condition?

It depends on your condition and how much risk is involved whilst you’re away. However, our partner Millstream has a great medical team that will support you and answer any questions you may have.


Recent client case study

One of our clients came to see us, ready for their summer holiday and needing a quote for travel insurance. Our partner Millstream supported the customer through screening with a qualified nurse due to their medical conditions.

They booked a time slot at 9.13 am for 11 am the same day for our client to receive a call from one of the qualified nurses to finalise the process by going over the medical screening together. After a friendly conversation, the nurse assured them that their condition was stable and that the client was fit-to-fly. 

The client happily took out the Travel insurance with us and enjoyed their holiday without worrying about their medical cover!
It is a priceless and comforting service to have a dedicated team of qualified nurses to help with medical screening due to the complexity of some medical conditions and reassurance that the right medical cover is in place.

How to Avoid Surprises During the Application Process

To avoid any surprises during the travel insurance application process, it is essential to be honest and provide accurate information about your medical history and any pre-existing conditions you may have.

You should also read the policy documents carefully to understand the coverage and any exclusions that may apply. If you are unsure about any of the policy terms, you can contact Millstream for clarification.

Wherever you travel, we’ve got you covered

Our comprehensive annual European travel insurance for families starts from as little as £155 and includes great features as standard.

Find out more



What you are covered for

  • Personal accidents
  • Medical expenses
  • Hospital admission
  • Delayed departure
  • Lost or stolen baggage
  • Personal property
  • Money & credit cards
  • Personal Liability
  • Legal expenses


                                                                          Have a question about our travel insurance policies?

Will you cover me if I have had COVID-19?

Yes, but you need to comply with the terms of our medical declaration. This may mean you will need to undergo a medical screening and pay an additional premium.

I am unable to return home due to reasons beyond my control and my insurance is about to expire?

If your return is unavoidably delayed for an insured reason, the cover will be extended free of charge for up to 30 days maximum.

Will I be covered if I catch COVID-19 whilst on holiday?

You will be covered up to the policy limits if your holiday is disrupted because you or your travel companions fall ill with COVID-19 or you are specifically asked to quarantine.  This includes emergency medical expenses, necessary accommodation expenses (room only), and travel expenses. You should contact the 24hr medical assistance line for advice and help if you require treatment for COVID-19.

What if I am asked to quarantine whilst on holiday?

You will be covered up to the policy limits if you are specifically asked to quarantine including, necessary accommodation expenses (room only) and travel expenses. You can contact the 24hr medical assistance line for advice and help.

Request a callback

warning Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.
Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney