There are a number of different times you cannot buy insurance, this could be due to already having started your trip or it could be due to age. There are also a number of different circumstances where you could complete the purchase of travel insurance but where you would not be eligible for cover and claims would not be paid:
To be covered by this policy, you must be able to agree to all of the following statements:
- My main home address is in the UK, not including the Channel Islands or Isle of Man, and I am registered with a GP (Doctor) in the UK.
- I have not already started a trip.
- I am travelling from, and returning to, the UK.
- My partner and I reside at the same address (For my partner to be covered)
- My children must be travelling with me or my partner to be covered by this policy.
- I am not aware of any reason why I may need to claim against this policy.
- I have not been diagnosed with a terminal illness.
- I am not undergoing/awaiting tests or consultations about an undiagnosed condition.
- I am not travelling intending to receive medical treatment, including any pre-planned/arranged consultations, reviews or appointments that could lead to treatment.
- I am not travelling against advice of a medical practitioner or would be travelling against advice if I asked for it.