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Travel insurance can be complicated if you have a pre-existing medical condition, but there are a large number of automatically accepted medical conditions that are covered on our Medi-Care product which provide cover at no additional cost.

Below is the full list of medical conditions that are automatically accepted on a Medi-Care policy.

Automatically Accepted Medical Conditions

The list of ERV Medi-Care automatically accepted medical conditions has been broken down into an alphabetical list. Just select the appropriate dropdown list to see if your condition is one of those covered automatically.

Get a quote for automatically accepted medical conditions on our Medi-Care pre-existing medical travel insurance policy

If you have a pre-existing medical condition and that condition is shown in the Automatically Accepted Medical Conditions list below, it will be covered under the policy, without the need to contact us and without any additional charge, provided that you meet the terms of the following special requirements:

Special Requirements
  • You do not suffer from more than 5 of these condition(s)
  • You are not awaiting surgery for the condition(s)
  • You have been fully discharged from any post-operative follow-up(s)
  • You have not changed or increased any medication(s) in the last 3 months
  • You meet the criteria stated next to the condition (where applicable)

Medical Conditions A-C

Abnormal Smear Test
Achilles Tendon Injury
Acne
Acronyx (Ingrowing Toe-nail)
Adenoids
Allergic Rhinitis
Alopecia
Anal Fissure/Fistula
Appendectomy
Astigmatism
Athlete’s Foot (Tinea Pedis)
Attention Deficit Hyperactivity Disorder
Bell’s Palsy (Facial Paralysis)
Benign Prostatic Enlargement
Bladder Infection (no ongoing treatment, no hospital admissions)
Blepharitis
Blindness
Blocked Tear Ducts
Breast – Fibroadenoma
Breast Cyst(s)
Breast Enlargement/Reduction
Broken Bones (other than head or spine) – (no longer in plaster)
Bunion (Hallux Valgus)
Bursitis
Caesarean Section
Candidiasis (oral or vaginal)
Carpal Tunnel Syndrome
Cartilage Injury
Cataracts
Cervical Erosion
Cervicitis
Chalazion
Chicken Pox (fully resolved)
Cholecystectomy
Chronic fatigue syndrome (if only symptom is fatigue and no hospital admissions)
Coeliac Disease
Cold Sore (Herpes Simplex)
Common Cold(s)
Conjunctivitis
Constipation
Corneal Graft
Cosmetic Surgery
Cyst – Breast
Cyst – Testicular
Cystitis (no ongoing treatment, no hospital admissions)
Cystocele (fully recovered, no hospital admissions)

Medical Conditions D-F

D & C (dilation and curettage procedure)
Deaf Mutism
Deafness
Dental Surgery
Dermatitis (no hospital admissions or consultations)
Deviated Nasal Septum
Diarrhoea and/or Vomiting (resolved)
Dilatation and Curettage
Dislocations (no joint replacement or hospital admissions)
Dry Eye Syndrome
Dyspepsia
Ear Infections (resolved – must be all clear prior to travel if flying)
Eczema (no hospital admissions or consultations)
Endocervical Polyp
Endocervicitis
Endometrial Polyp
Epididymitis
Epiphora (Watery Eye)
Epispadias
Epistaxis (Nosebleed)
Erythema Nodosum
Essential Tremor
Facial Neuritis (Trigeminal Neuralgia)
Facial Paralysis (Bell’s Palsy)
Femoral Hernia
Fibroadenoma
Fibroid – Uterine
Fibromyalgia
Fibromyositis
Fibrositis
Frozen Shoulder

Medical Conditions G-I

Gall Bladder Removal
Ganglion
Glandular Fever (full recovery made)
Glaucoma
Glue Ear (resolved – must be all clear prior to travel if flying)
Goitre
Gout
Grave’s Disease
Grommet(s) inserted (Glue Ear)
Gynaecomastia
Haematoma (external)
Haemorrhoidectomy
Haemorrhoids (Piles)
Hallux Valgus (Bunion)
Hammer Toe
Hay Fever
Hernia (not Hiatus)
Herpes Simplex (Cold Sore)
Herpes Zoster (Shingles)
Hip Replacement (no subsequent arthritis and never any dislocation of a joint replacement)
Hives (Nettle Rash)
Housemaid’s Knee (Bursitis)
HRT (Hormone Replacement Therapy)
Hyperthyroidism (Overactive Thyroid)
Hypospadias
Hypothyroidism (Underactive Thyroid)
Hysterectomy (provided no malignancy)
Impetigo
Indigestion
Influenza (full recovery made)
Ingrowing Toe-nail (Acronyx)
Inguinal Hernia
Insomnia
Intercostal Neuralgia (no admissions)
Intertrigo
Irritable Bowel Syndrome (IBS) (provided definite diagnosis made and no ongoing investigations)

Medical Conditions J-L

Keinboeck’s Disease
Keratoconus
Knee Injury – Collateral/cruciate ligaments
Knee Replacement (no subsequent arthritis and never any dislocation of a joint replacement)
Kohlers Disease
Labyrinthitis
Laryngitis
Learning Difficulties
Leptothrix
Leucoderma
Lichen Planus
Ligaments (injury)
Lipoma

Medical Conditions M-O

Macular Degeneration
Mastitis
Mastoidectomy (resolved – must be all clear prior to travel if flying)
Menopause
Menorrhagia
Migraine (provided definite diagnosis made and no ongoing investigations)
Miscarriage
Mole(s)
Molluscum Contagiosum
Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue and no hospital admissions)
Myxoedema
Nasal Infection
Nasal Polyp(s)
Nettle Rash (Hives)
Neuralgia (no hospital admissions)
Nosebleed(s)
Nystagmus
Osgood-schlatter’s Disease
Osteochondritis
Otosclerosis
Overactive Thyroid

Medical Conditions P-R

Parametritis
Pediculosis
Pelvic Inflammatory Disease
Photodermatosis Piles
Pityriasis Rosea
Post Viral Fatigue Syndrome (if the only symptom is fatigue and no hospital admissions)
Pregnancy (provided no complications)
Prickly Heat
Prolapsed Uterus (womb)
Pruritis
Psoriasis (no hospital admissions or consultations)
Repetitive Strain Injury
Retinitis Pigmentosa
Rhinitis (Allergic)
Rosacea
Ruptured Tendons

Medical Conditions S-U

Salpingo-oophoritis
Scabies
Scalp Ringworm (Tinea Capitis)
Scheuermann’s Disease (provided no respiratory issues)
Sebaceous Cyst
Shingles (Herpes Zoster)
Shoulder Injury
Sinusitis
Skin Ringworm (Tinea Corporis)
Sleep Apnoea (no machine used to assist breathing)
Sore Throat
Sprains
Stigmatism
Stomach Bug (resolved)
Strabismus (Squint)
Stress Incontinence (no urinary infections)
Talipes (Club Foot)
Tendon Injury
Tennis Elbow
Tenosynovitis
Termination of Pregnancy
Testicles – Epididymitis
Testicles – Hydrocele
Testicles – Varicocele
Testicular Cyst
Testicular Torsion (Twisted Testicle)
Throat Infection(s)
Thrush
Thyroid – Overactive
Thyroid Deficiency
Tinea Capitis (Scalp Ringworm)
Tinea Corporis (Skin Ringworm)
Tinea Pedis (Athlete’s Foot)
Tinnitus
Tonsillitis
Tooth Extraction
Toothache
Torn Ligament
Torticollis (Wry Neck)
Trichomycosis
Trigeminal Neuralgia
Turner’s Syndrome
Twisted Testicle
Umbilical Hernia
Underactive Thyroid
Undescended Testicle
Urethritis (no ongoing treatment, no hospital admissions)
URTI (Upper Respiratory Tract Infection) (resolved, no further treatment)
Urticaria
Uterine Polyp(s)
Uterine Prolapse

Medical Conditions V-Z

Varicocele
Varicose Veins – legs only, never any ulcers or cellulitis (if GP has confirmed that client is fit to travel)
Vasectomy
Verruca
Vitiligo
Warts (benign, non-genital)
Womb Prolapse (uterus)
Wry Neck (Torticollis)

Get a quote for Medi-Care pre-existing medical travel insurance with automatically accepted medical conditions

Other Useful Information on automatically accepted medical conditions

We are continually adding new information to help those with medical conditions get the right cover for them. On our Medical Conditions pages you can find additional information about specific conditions with help and advice on travelling with those conditions and getting the right travel insurance.

Medi-Care Disclaimer

This content provides general information for travellers who may have a pre-existing medical condition. All pre-existing medical conditions will need to be declared when applying for travel insurance and are taken into account on an individual basis when quoting for your policy. You can find more information on our pre-existing medical travel insurance pages or by calling our team on 01403 788510.

Pre-Existing Medical Condition: Any past, current or reoccurring medical condition which has been diagnosed, investigated or treated at any time prior to travel, even if this condition is considered to be stable and under control.

"Absolutely great service. Thank you

Very helpful, good communication kept me up to date on progress. Really good customer service which is just what you need when under pressure of illness. "

ERV Customer - April 2018

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