The following frequently asked questions are only applicable to our pre-existing medical condition policies, beginning with policy number ISETI/OK.
If I caught COVID-19 abroad, would I be covered?
Yes, all It’s So Easy policies include cover for emergency medical expenses which includes those associated with COVID-19 whilst abroad.
Who underwrites your pre-existing medical condition policy?
Our medical condition policies are underwritten by White Horse Insurance Ireland dac, registered in Ireland No. 306045. White Horse Insurance Ireland dac’s Registered Office is First Floor, Rineanna House, Shannon Free Zone, Shannon, County Clare, Republic of Ireland. White Horse Insurance Ireland dac is authorised and regulated by the Central Bank of Ireland. Deemed authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website, our FRN is 203320.
Who is eligible to buy a policy with It’s So Easy Travel Insurance?
Our policies are available to you if you are permanently resident in the United Kingdom (UK) and registered with a general practitioner (GP) in the UK.
Do I need to declare all of my pre-existing medical conditions?
Yes. In order for your cover to remain valid, you need to declare any pre-existing medical condition that falls within our declaration questions. If you fail to disclose relevant medical information then you may not be fully covered in the event of a claim.
Do you need to know the names of the medication I take?
We do not need the names of the medication or the dosage, only the condition that the medication is prescribed to treat or prevent.
Am I covered for cancellation if the Foreign, Commonwealth & Development Office (FCDO) advises against all or all but essential travel?
Our policies do not cover cancellation due to FCDO or government travel advice. If you booked a package holiday via a Travel Agent or Tour Operator then the trip is considered as packaged and trips cancelled due to FCDO advice would therefore fall within the remit of Package Travel Regulations and be eligible for a refund from your travel organiser.
Am I covered for cancellation due to COVID-19?
Our Premier Plus level includes cover for cancellation if you, or anyone named on your policy, tests positive for COVID-19 within 14 days of your trip starting. However, there is no cover under this policy for cancellation, abandonment or curtailment claims if the Foreign, Commonwealth & Development Office (FCDO) advises you not to travel.
Should I wait until my treatment is finished before applying for travel insurance?
Applying for travel insurance once you have finished treatment could, in some circumstances, reduce the premium and make the cover easier to obtain. However, if you need the cover to start whilst you are still receiving treatment because you have a holiday booked and need cover for cancellation, you will need to declare the treatment and we will quote accordingly.
Am I covered for hazardous activities?
Some Hazardous Activities are covered as standard on the policy and many more can be covered for an additional premium. Please refer to the policy wording for full details.
Do you cover cancellation and curtailment?
We offer four levels of cover with cancellation and curtailment ranging from 0 to £5,000 per person.
Do you cover one way trips?
Our pre-existing medical condition policy is not available for one way trips. Your trip must start and end in the UK. View our One Way Trip product for a more suitable policy.
Can I extend my cover if I decide to stay longer?
It may be possible to extend your policy once you are away but only up to the maximum trip duration that we allow (184 days for single trips and 31 days for annual multi-trips) and providing your insurance has not already expired. We cannot issue a new policy after you've started the trip. If you want extended cover, please contact us by telephone quoting your policy number.
What is the maximum trip length?
Our pre-existing medical condition policy is available for trips up to 184 days in duration depending on age.
How do I change an existing policy?
If you need to amend your policy because you have noticed a problem or error with your documents, want to amend the name of an insured person, add a new person to the policy, purchase an additional cover option or tell us about a change in your health or medication, please contact us by telephone so we can update our records and arrange to send your amended documentation by post or email.
How do I renew my annual multi-trip cover?
We will send you a renewal letter in the post to let you know that your annual travel insurance is about to expire. None of our policies are automatically renewed. You can renew online or by calling our UK based call centre. Due to the nature of our medical condition policies, we will be required to recap some questions and medical details.
Can you insure a child under 18 on their own policy?
Children under 18 must have at least one named adult on the policy. The child is covered providing he or she is travelling with at least one of these adults.