DISCLOSURE OF MATERIAL FACTS AND PRE-EXISTING HEALTH CONDITIONS

Your policy may not cover claims arising from your pre-existing health conditions so you need to tell us of anything you know that is likely to affect our acceptance of your cover.

Pre-existing health conditions - so that we can ensure you are provided with the best cover we can offer please read the following questions carefully:

1. Have you, or anyone travelling with you, ever had treatment for:

  1. any heart or circulatory condition,

  2. a stroke or high blood pressure.

  3. a breathing condition (such as asthma).

  4. any type of cancer.

  5. any type of diabetes

2. In the last 2 years - have you, or anyone who is travelling with you, been treated for any serious or re-occurring medical condition, asked to take regular prescribed medication, or referred to a specialist or consultant at a hospital for tests, diagnosis or treatment?

If you have answered ‘Yes’ to any of the above questions we may be able to offer some cover and may be able to cover your health condition, although an increased premium may be required. To enable us to consider your health condition please contact the Referral Helpline quoting FOGG INTERNET ECONOMY WINTER SPORTS on 0845 1300 198 (this will be charged as a local call from wherever you are calling in the United Kingdom) to see if cover is available. All calls will be treated in the strictest confidence.

3. You must also tell us if:

  1. you are waiting for tests or treatment of any description

  2. your doctor alters your regular prescribed medication

4. You must tell us about the pre-existing medical conditions of anyone travelling with you who is not insured under this policy but who may make it necessary for you to cancel or curtail your trip to find out if we are able to provide cover on their conditions. Your failure to declare these pre-existing medical conditions will mean that you will not be able to claim for any event that is due directly or indirectly to the condition.

Please note:

We are unable to provide any cover on psychological conditions such as stress, anxiety, depression, eating disorders or mental instability.

We are unable to provide cover for anything which is a result of a pre-existing medical condition of a close relative or close business associate.