Health conditions

It’s really important that you tell us about any medical conditions you’ve had in the past 2 years in the health check. Covering your conditions will mean that if you have an unforeseen medical emergency abroad, or need to cancel your holiday because of something related to your conditions, then we’ll be able to help you.
Covering your conditions may affect the price of your policy. But choosing not to cover them will mean that you’re buying a policy that won’t protect you when you need it most. We don’t think that’s right. So please make sure you cover your conditions to give you the best level of protection.

You’ll need to declare any medical condition that you’ve had in the past 2 years that has meant you’ve had any of the following:

• symptoms
• consultation with your GP surgery or medical professionals
• been prescribed medication

If you are awaiting surgery, a medical procedure or results from an investigation, then we won’t be able to cover you right now. Once you’re signed off from any surgery or procedures, or given a diagnosis from your test results then you can update your health check.
If your GP would say that you’re not fit to travel, or you’re travelling for medical treatment or consultations, or have been given a terminal prognosis – then we won’t be able to cover your trip.

If any of the following happen, you’ll need to update your cover:

• You are diagnosed with a new medical condition
• You experience new or recurring symptoms or have an undiagnosed condition
• Your doctor or consultant adds to or changes your prescribed medication
• You receive inpatient medical treatment
• You are referred for investigation, medical treatment, or surgery

You can make these changes on the app. We’ll send you reminders too to make sure you keep your health check information as accurate as possible.
If you can update your cover to add your new conditions, then your daily rate for On-trip cover and your monthly subscription cost might increase to reflect your personalised cover.

If your health changes and we are unable to continue to cover you and you don’t have our Cancellation Cover, then you have two choices:

• If you can, wait until you can declare your conditions on Wapp
• Find an alternative provider. Our sister company Staysure may be able to help if you’re looking for medical travel insurance if your new diagnosed condition can’t be covered by Wapp.

If you have an active monthly subscription for Cancellation Cover and you can no longer travel as a result of your health change, then you will be able to claim under the Cancellation Cover for your costs that can’t be recovered elsewhere.
If this happens, you’ll also be entitled to cancel your policy, where we can refund your unused Cancellation Cover.

We can’t cover your conditions when you’re awaiting diagnosis or test results. If you are awaiting diagnosis, it’s best to wait until you’ve got the results to then have an accurate health check.

To be able to get Wapp Travel Insurance, everybody on your policy will have to be able to agree to all of the following:

• You are medically fit to travel
• Are not travelling against medical advice
• Are not travelling to seek medical advice, treatment or check-ups
• Are not awaiting surgery or medical procedure
• Are not awaiting any tests or investigations or the results of any tests or investigations
• Do not currently have any undiagnosed symptoms
• Have not been given a terminal prognosis

If you buy a policy and one of the above statements doesn’t apply to you, then your policy won’t be valid and can’t protect you for medical emergencies abroad.