JS Insurance

AUL Insurance Group - Pre-Exisiting Medical Conditions

If You or any of Your travelling companions have a medical condition which has been suffered, or for which medical advice, treatment or medication has been received prior to the date of issue of this Policy You must declare this when taking out Your Policy.

Call our medical referral helpline on 0870 774 4173 and they will confirm if cover is acceptable. You may be required to pay an additional premium to cover a medical condition. You will not be covered under Section A, B and C of this policy if You fail to contact Us.

Please note that there is no cover if, at the time of booking your trip or effecting your insurance, and in the case of Annual Multi-trip at the time of booking each trip, you, your travelling companions, your relatives or anyone else upon whom Your travel plans depend

1. is expected to give birth within 14 weeks of the return date of your trip
2. is receiving, or is on a waiting list for In-patient hospital or clinic treatment
3. is travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment abroad
4. have received a terminal prognosis

On-Going Health Warranty

If there is a significant change in your medical condition or if You develop a new condition (after You have taken out this insurance, but before You travel) You must contact our medical helpline on 0870 774 4173. They will tell you if cover can continue. If we cannot continue cover You may be able to claim for the cost of cancelling Your travel arrangements. We reserve the right to amend the terms of, or cancel Your policy, providing You with a pro-rata refund of premium.