Due to high volumes of enquiries we are currently experiencing some service delays in both our Guernsey and Alderney offices. We sincerely apologise for any inconvenience this may cause, and would kindly ask that if your query is not urgent that you please refer to our Existing Customers Support area on our Website, or use our Contact Us form and we will endeavour to get back to you as soon as possible.

Thank you for your patience and continued support.

What is medical screening for travel insurance?

How it can help you avoid any nasty surprises!

As you follow through with a quote for your travel insurance, in the end, there is a medical declaration to complete and a few questions about you and your travel companion’s health.

It is good to keep in mind that you’ll need to be honest and as detailed as possible during the progress of your quote. However, it will allow us and any insurance provider to tailor your travel insurance to your needs.

It may feel invasive, but the information will help us understand any risks and how much medical treatment you may need while away. On the other hand, if you don’t mention your conditions or aren’t honest about how serious it is, you may find that your claim won’t be covered, and your policy may be cancelled.

Suppose the medical declaration does not cover the diversity of your health issues. In that case, we may ask you to make another declaration or undergo a medical screening with a qualified nurse.


Can I get travel insurance if I have 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.


Read our recent client case study

Travel insurance with a medical condition is a bit different and could be a daunting experience.

Recently 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.

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
  • Transport failure
  • 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

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 / Sark