First of all, pre-existing medical conditions are not covered under your Worldwide Travel Cover. The policy specifically excludes any claims that arise directly or indirectly from pre-existing medical conditions.
Pre‑existing medical conditions fall into two distinct categories:
1. Time‑limited medical conditions - any past or current medical condition that, within the 2 years before the relevant date below, has:
- Caused symptoms
- Required any form of treatment or prescribed medication
- Necessitated medical consultation
- Required investigation or follow‑up/check‑up
Relevant date
• Trip cancellation / curtailment: the later of the day you obtained your Monzo subscription or the day you booked the trip.
• Emergency medical expenses: the earliest of the day you obtained your Monzo subscription, the day you booked the trip, or the day you departed.
2. Cardiovascular / circulatory conditions - any such condition that existed before the relevant date above, including but not limited to:
- Heart conditions
- Hypertension (high blood pressure)
- Blood clots
- Raised cholesterol
- Stroke
- Aneurysm
Important note:
Onsi’s Worldwide Travel Club insurance comes as a fixed package, so it can’t be tailored or extended— even for an extra fee. That means you won’t be able to add or remove specific types of cover.
If you suffer from a medical condition, and you need something outside of what’s included, it might be worth exploring a separate policy that fits your plans.
What do you mean by "recent" medical condition?
We mean a medical condition in the 2 years before:
- Booking your trip.
- Starting your trip.
- Obtaining your subscription.
How may pre-existing conditions affect my coverage?
Any past or current health issues (allergy, injury, a disease, a physical or a mental disorder) for which you're taking any form of treatment or prescribed medication, that you were aware of at the moment of booking or the commencement of your trip, also called pre-existing medical conditions, are excluded from the policy.
Important: The 2-year look-back period applies to most conditions but not to cardiovascular/circulatory issues. Cardiovascular/circulatory conditions may be considered pre-existing regardless of when they occurred.