Medical Section of the Essential Travel Policy -Taken from their website (Click here to view the full policy) Please read this section thoroughly. It is intended to be a guide only and we accept no liability for any errors made on this page. We reccomend that you read the policy in full on the Essential Travelwebsite. This page was updated last on 25th Jan 2009.

You must comply with the following conditions to have the full protection of Your policy. If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.

1. It is a condition of this policy that You will not be covered under section M – Cancellation or Curtailment charges, section A – Emergency medical and other expenses, section B – Hospital benefit and section C – Personal accident for any claims arising directly or indirectly from:

a. At the time of taking out this policy:

Any Medical Condition You have, or have had, for which You are taking prescribed medication or are waiting to receive, or have received treatment (including surgery, tests or investigations) within the last 2 years unless We have agreed, in writing, to cover You.
If You have only one Medical Condition and this is one of those shown in the table of NO SCREEN CONDITIONS* on page 10 then this will be covered under the policy without the need to contact Us.

ii Any Medical Condition for which You, a Close Relative or a Travelling Companion have received a terminal prognosis. iii Any Medical Condition for which You, a Close Relative or a Travelling Companion have not had a diagnosis. iv Any Medical Condition for which You, a Close Relative or a Travelling Companion are on a
waiting list for or have knowledge of the need for surgery, in patient treatment or investigation at a hospital, clinic or nursing home. v Any circumstances You, are aware of that could reasonably be expected to give rise to a claim on this policy.

unless You have been given Our agreement. b. You will also not be covered at any time for:

i Any Medical Condition You, have in respect of which a Medical Practitioner has advised You, not to travel or would have done so had You sought his/her advice. ii Any Medical Condition for which You, are travelling with the intention of obtaining medical treatment (including surgery or investigation) or advice outside of the United Kingdom or within the Channel Islands. iii Any Medical Condition for which You, are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner. iv Pregnancy or childbirth here You, are expected to give birth within eight weeks of the start of the Trip, during the Trip or within eight weeks of the end of the Trip.

 

* NO SCREEN CONDITIONS (for which You do not have to contact Us if You only have one of these):

• Achilles Tendon Injury
• Acid Reflux
• Acne
• Anal Fissure / Fistula
• Attention Deficit
Hyperactivity Disorder
(ADHD)
• Allergy (requiring non
prescriptive treatment
only)
• Benign Prostatic
Enlargement
• Blindness
• Broken / Fractured Bones
(not head or spine)
• Carpal Tunnel Syndrome
• Cataracts
• Colds or Influenza
• Colitis (no hospital
admissions in last 12
months)
• Cosmetic Surgery
• Cuts & Abrasions (non
self-inflicted)
• Cyst Breast (Benign)
• Cyst Testicular (Benign)
• Cystitis
• Diarrhoea and/or
vomiting (resolved)
• Dislocated Hip
• Dyspepsia
• Eczema
• Epididymitis
• Essential Tremor
• Fungal Nail Infection
• Gall Bladder Removal (if
more than 3 months ago)
• Gastric Reflux
• Glandular Fever
• Glaucoma
• Gout
• Hayfever
• Hemorrhoids (Piles)
• Hernia (not Hiatus)
• HRT (Hormone
Replacement Therapy)
• Hysterectomy (provided
carried out more than 6
months ago)
• Irritable Bowel Syndrome
• Macular Degeneration
• Menopause
• Menorrhagia
• Migraine (confirmed
diagnosis, no on-going
investigations)
• Myalgia (Muscular
Rheumatism)
• Myalgic Encephalomyelitis
(ME) (if the only symptom
is fatigue)
• Nasal Polyp(s)
• Neuralgia
• Neuritis
• Nut Allergy
• Pelvic Inflammatory
Disease
• Psoriasis
• Reflex Oesophagitis
• Rheumatism
• Rhinitis (Allergic)
• Shingles (Herpes Zoster)
• Shoulder Injury
• Sinusitis
• Sleep Apnoea
• Tendon Injury
• Tonsilitis
• Underactive thyroid
• Uriticaria
• Varicose Veins legs only (if
GP has confirmed that
client is fit to travel)

 

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Standard Cover Levels

Benefit Limit Excess Standard Cover (per person) Emergency medical expenses £10,000,000 £100 Personal liability £2,000,000 £70 Legal assistance and expenses £15,000 £70 Missed departure £600 £70 Personal accident: - loss of limbs - permanent disablement - death - death (under 18) max benefit £10,000 £10,000 £10,000 £10,000 £1,500 nil Hospital benefit £20 per day up to £500 nil Travel delay £20 for the first 12 hours, £10 per 12 hour period thereafter up to £100 nil Catastrophe cover £300 nil Hijack £50 per day up to £500 nil Mugging £50 per day up to £500 nil Domestic pet cover £10 per day up to £200 nil Hazardous Cover - Grade 1 You are covered under section C - Personal accident and section A - Emergency medical and other expenses for the following activities automatically, provided that the activity is on an Incidental basis You do not need to contact Your issuing agent Hazardous Cover - Grade 2 Section A - Medical Excess Increased to £320 Section C - Personal Accident Sum insured reduced by 50% Section D - Personal Liability Cover is Excluded Hazardous Cover - Grade 3 Section A - Medical Excess Increased to £650 Section C - Personal Accident Sum insured reduced by 50% Section D - Personal Liability Cover is Excluded Hazardous Cover - Grade 4 Section A - Medical Excess Increased to £650 Section C - Personal Accident Sum insured reduced by 50% Section D - Personal Liability Cover is Excluded

 

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