Undiagnosed conditions and getting cover
Your condition is undiagnosed, can you still get cover?
We can provide cover for your diagnosed conditions, while excluding the undiagnosed symptoms. Please note that we can only provide a quote of this nature over the phone, it is not available online. Once you’ve received a diagnosis you can call us to update your policy and get cover for the new condition. Your GP or healthcare provider may be able to help you if you have a currently undiagnosed condition.
Waiting on test results before your quote
If your test is part of a routine check-up, on a previously diagnosed medical condition, you can get a quote. A medical condition is regarded as undiagnosed when the cause of symptoms is unknown. Please note, if you are unsure about the purpose of your test, it is best to confirm with your doctor.
Waiting on the results of an investigation before your quote
How do you declare that you’re waiting the results of an investigation?
If you have an undiagnosed condition or symptoms that you are waiting to be investigated, then, unfortunately, we would be unable to provide cover for the related symptoms until you have a confirmed diagnosis.
Common questions about undiagnosed conditions
All your tests/scans were negative; what do you need to declare?
If the purpose of the tests and / or scans were only to investigate the possibility of a new medical condition, for which your results have confirmed you do not have, then there is nothing you need to declare. However, please note that if the investigation was in relation to an existing and diagnosed medical condition, you may be asked about having tests or hospital visits for said medical condition, during the Medical section of your quote. If your doctor was unsure of the diagnosis and you have no further tests planned, but you received treatment for the medical condition they suspected it to be, we will need to declare this medical condition.
What is Travel Insurance for Undiagnosed Conditions?
Travel Insurance for Undiagnosed Conditions is designed for people who are experiencing symptoms but have not yet received a confirmed medical diagnosis. This type of insurance provides cover for your existing, diagnosed conditions, but excludes any treatment or claims related to undiagnosed symptoms or investigations still in progress.
We understand that waiting for test results can be stressful, especially when you have travel plans. That’s why we offer flexible options so you can still arrange cover for your known conditions while your medical team works to identify the cause of your new symptoms. Once you have a diagnosis, you can easily update your policy to include it.
With AllClear Travel Insurance for Undiagnosed Conditions, you’ll be protected for:
- All diagnosed medical conditions, including long-term or managed illnesses
- Emergency medical treatment unrelated to undiagnosed symptoms
- Cancellations or trip interruptions not linked to your undiagnosed issue
- 24/7 emergency medical support wherever you travel
If you’re unsure how to declare your condition, our friendly UK-based team can help you through the quote process by phone, ensuring your cover is as accurate and comprehensive as possible.
Have a diagnosis, get comprehensive Travel Insurance
Once you have a diagnosis, AllClear can offer you comprehensive Travel Insurance for pre-existing medical conditions. This type of cover will help you avoid any unexpected medical bills while you’re away.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and cutting your trip short | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
Our Travel Insurance: A simple 3 step quote process
Simply complete our quick 3-step screening process to get your quote
Here’s how it works.
1. Get a quote online or by phone
Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online.
2. Complete our simple medical screening process
Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking.
This way, we can provide the cover that best suits your needs.
3. Get your quote
You can either proceed to buy or save your quote at this stage.
What our Customers Say
Tailored travel insurance
“Booked my travel insurance for a single trip by phone. Iman was fabulous, navigating my 101 questions regarding existing conditions and undiagnosed conditions with patience and humour, to tailor a policy that fits. Thanks for the help, Iman.”
Travel Insurance for Undiagnosed Conditions FAQs
Can I get Travel Insurance if I’m waiting for a diagnosis?
Yes, you can still get a policy that covers your diagnosed medical conditions. However, any undiagnosed symptoms or ongoing investigations won’t be covered until you have a confirmed diagnosis. Once your doctor confirms what’s causing your symptoms, contact us to update your policy.
What if I’m waiting for test results or scans?
If your tests are part of a routine check-up for an existing condition, you can go ahead and get a quote. But if you’re being tested for new or unexplained symptoms, those won’t be covered until your doctor provides a confirmed diagnosis.
What if my tests come back clear?
If all your results are negative and your doctor confirms you don’t have a medical condition, there’s nothing extra you need to declare. If the tests were connected to an existing diagnosis, you should still declare that condition when getting your quote.
Can I update my policy once I have a diagnosis?
Absolutely. Once your doctor provides a confirmed diagnosis, contact us to update your cover. You’ll then have comprehensive medical Travel Insurance, protecting you for emergency care, cancellations, and repatriation if needed.
