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Bluebear may provide cover for pre-existing medical conditions, so long as these have been declared to and accepted by our Medical Screening Service.
You can complete your medical screening online, simply click here to get started. The link will open a new webpage and you can begin screening immediately.
You can arrange cover for pre-existing medical conditions before or after you purchase your Bluebear Policy, but please note, two transactions will be required i.e., to purchase the policy for medical cover and your Bluebear Policy.
We will be integrating medical screening into our customer journey soon, to further enhance your online experience and we appreciate your patience with us while we get this in place.
If you would prefer to speak to the Medical Screening Service, please call +44 (0)330 311 2648.
For full travel insurance cover with medical conditions, you must purchase a policy from bluebeartravelinsurance.co.uk, as well as, declaring your conditions to our Medical Screening Service, the two policies will run concurrently.
Make a note of the Bluebear product that most suits your needs and give our Medical Screening Service a call.
You do not need to declare and be screened for any of the following automatically covered medical conditions, they will be covered for no additional premium. Provided that you do not also have a pre-existing medical condition which is not listed below.
Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment in the last 2 years, Allergic rhinitis, Alzheimer’s Disease, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (controlled only using a reliever and a preventer inhaler and with no history of hospital admissions or a past medical history of chest infection / pneumonia in the last 6 months), Blindness or partial sightedness, Carpel tunnel syndrome, Cataracts, Chicken pox (if completely resolved), Cholesterol Hyper/ Hypo, Coeliac Disease, Colour Blindness, Common cold or flu, Cuts and abrasions (that are not self-inflicted and require no further treatment), Cystitis (providing there is no ongoing treatment), Deafness/ Impaired Hearing, Diabetes (Type 2 controlled by diet only with no history of admissions or related medical conditions), Diarrhoea and vomiting (if completely resolved), Downs Syndrome, Dyspepsia, Eczema, Enlarged prostate (benign only), Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, HRT, Hyperlipidemia, Indigestion, Irritable Bowel Syndrome, Lichen Planus, Ligament or tendon injury (provided that you are not currently being treated), Macular degeneration, Melanosis, Menopause, Migraine (providing there are no ongoing investigations), Nasal polyps, Night Blindness, Parkinson’s Disease, Physically Disabled, PMT, Psoriasis, Raynaud’s Syndrome, Rhinitis, Rosacea, RSI, Sinusitis (providing there is no ongoing treatment), Skin or wound infections (that have completely resolved with no current treatment), Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs, Vertigo.
To ensure you are provided with the appropriate cover, you must advise us to the best of your knowledge if any of the following apply to you:
1.You have, during the 24 months before this insurance started, suffered from or received treatment, advice or medication for any chronic, ongoing or recurring illness or condition. (A chronic condition is one lasting three months or more).
2.You are receiving, recovering from, or on a waiting list for in-patient treatment in a hospital or nursing home.
3.You are waiting for the results of tests or investigations, or awaiting a referral for an existing medical condition.
Terms and Conditions Apply. Please see our Policy Wording for full details.
In respect of a travelling companion, an immediate relative, close business associate or person who you plan to stay with during your trip, who is not a named on your schedule, but on whose health the trip depends, this policy will not cover any claims under Section 1: Cancellation or Section 2: Curtailment, that result directly or indirectly from any pre-existing medical condition you knew about at the time of taking out this insurance or when booking a trip, and that affects:
a travelling companion who is not insured under this policy;
an immediate relative who is not travelling and is not insured under this policy;
close business associate; or
person you plan to stay with on your trip.
Subject to the terms and conditions, such claims may only be covered if their medical practitioner is prepared to state that at the date you bought this policy or of booking a trip, they would have seen no substantial likelihood of their patient’s condition deteriorating to such a degree that you would need to cancel your trip. If the medical practitioner will not confirm this, your claim is not covered. In the event of a claim, the medical practitioner must complete the medical certificate on the claim form.
Failure to contact us could leave you with no right to make a claim, and may mean that you travel with insufficient cover. If there is any change to a pre-existing condition or if any of the reasons stated above occur between the date the certificate wording is issued and / or before the first day of your trip, you must notify the Medical Screening Service on +44 (0)330 311 2648.
We will then decide if we can provide you with cover on existing terms. We may ask you to pay an additional premium or add special conditions to the policy. If we cannot provide cover, or if you do not want to pay the additional premium, you can make a cancellation claim if you have booked and paid for a trip that you have not yet made. Alternatively, you can cancel your policy and we will send you a pro rata refund.
We reserve the right not to extend this insurance if deemed necessary by us, where the booked trip could be detrimental to your well-being. Failure to contact us could leave you with no right to make a claim and may mean that you travel with insufficient cover. If cover can be provided for your condition. You will be given a medical endorsement upon receipt of payment.
As is consistent with the treatment of all medical conditions under the policy, the policy does not intend to cover the normal costs or losses otherwise associated with pregnancy (including multiple pregnancy) or childbirth. This includes, but is not limited to, delivery by caesarean section or any other medically or surgically assisted delivery which does not cause medical complications. The policy does, however, cover you should complications arise with your pregnancy due to accidental bodily injury or unexpected illness which occurs while on your trip excluding costs incurred during the period between 12 weeks before and 12 weeks after the estimated date of delivery.
We will pay for private treatment only if there is no appropriate reciprocal health agreement in existence and no public service available and we reserve the right to organise a transfer from a private medical facility to a public medical facility where appropriate.
In the event of medical treatment becoming necessary for which reimbursement will be sought, we or our representatives will require unrestricted access to all of your medical records and information.
POLICY WORDINGS COMPARE COVER LEVELS GET A QUOTEUseful Contacts:
Policy Sales: 0333 400 3404
Claims and Assistance Helpline: +44 (0)330 660 0785
Email: enquiries@bluebeartravelinsurance.co.uk
This insurance is provided by Blue Bear Travel Insurance which is a trading name of Rush Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385) and which is permitted to arrange general insurance contracts.
Copyright © Blue Bear Travel Insurance 2024.
