Cover My Stay Insurance

Your Questions Answered

When you are choosing travel insurance it is important that you understand the cover provided and ensure that you are getting the right travel insurance cover for your needs.

Getting the right travel insurance cover is even more important if you have a pre-existing medical condition or you are looking for travel insurance over 65.

Cover My Stay specialises in providing travel insurance for pre-existing medical conditions and travel insurance over 65. We have provided answers below to some of the questions we are most frequently asked about travel insurance for medical conditions and over 65’s.

If you can’t find the information you need please feel free to call us on 0800 542 7161 and we will be happy to help.

Yes, it makes sense to cover yourself and your travelling companions on the same travel insurance policy. You will need to declare your own medical conditions and answer our easy medical screening questions. If your companions don’t have any medical conditions to declare, that’s fine, you can just click continue at that stage.
Yes our website collects your personal information securely using a secure SSL certificate. Information exchanged with any address beginning with https is encrypted using SSL before transmission.
If you have a question about any of the travel insurance policies available on our website please call us on 0800 542 7161 and we will be happy to help.
You can add winter sports cover to a single trip travel insurance quote or an annual travel insurance quote. Once you enter the dates of your trip and declare any pre-existing medical conditions you will be asked if you want to add any additional travel insurance cover. You can add winter sports cover at this point.

Once you do that all of the travel insurance prices that you are shown will include cover for wintersports.

When you get a quote for travel insurance on the first question you need to answer is the type of travel insurance cover you require. If you are going on a cruise holiday you should select cruise insurance at this point.
No, the travel insurance policies we compare are only available to UK and Channel Island residents.
When you buy online you should receive a copy of your travel insurance policy documentation by email within minutes of completing your purchase. If you don’t receive them please call us on 0800 542 7161 and we will be happy to help.
When you get a travel insurance quote you will be presented with a selection of policies. At this point you can see the schedule of benefits for each policy so that you can compare the cover provided and make a choice.
• Aerobics
• Angling/Fishing
• Archery (amateur)
• Badminton (amateur)
• Banana Boating
• Baseball (amateur)
• Basketball (amateur)
• Beach Games
• Bowls
• Canoeing (up to Grade 3)
• Clay Pigeon Shooting
• Cricket (amateur)
• Croquet
• Curling
• Cycling (other than specified)
• Dinghy Sailing
• Fell Walking/Fell running
• Fencing
• Football /Soccer(amateur)
• Golf (amateur)
• Hiking/Trekking (under 2000m altitude / Established paths no max altitude)
• Jet Boating
• Jogging
• Motorcycling up to 50cc with licence appropriate to the cc, wearing a crash helmet – no racing
• Netball (amateur)
• Orienteering
• Outward-bound Pursuits (Ground level Only)
• Paintballing
• Parascending/Parasailing (over water) towed by boat
• Pony Trekking
• Racquetball
• Rambling
• River Canoeing up to Grade 3
• Roller Blading/Roller Skating
• Rounders
• Sail Boarding
• Sailing within Territorial Waters (inland/coastal waters within 12 mile)
• Skate Boarding
• Snorkelling
• Snooker/Pool/Billiards
• Squash (amateur)
• Surfing (amateur)
• Swimming
• Table Tennis
• Ten pin bowling
• Tennis (amateur)
• Tug of war
• Underground activities (as part of an organised excursion/tour)
• Volleyball (amateur)
• War Games
• Water Polo (amateur)
• Water Skiing (amateur)inland/coastal waters within 12 mile (excluding jumping)
• Windsurfing (amateur) )inland/coastal waters within 12 mile
• Weightlifting
• Work Abroad – Non Manual Work (Including professional, administrative or clerical duties only)
All travel insurance providers have to offer a 14 day cooling off period. This gives you time to read through the policy wording carefully to check whether it provides the cover you need. If you decide that the policy is not right for you, you will be able to obtain a full refund if applied for within this period.

Medical Screening

If you have a pre-existing medical condition you need to declare that medical condition and answer the medical screening questions so that the insurance providers can assess the severity of your medical condition and provide you with appropriate cover. If you don’t declare a pre-existing medical condition when you buy travel insurance, you could find that you are not covered if you need to make a claim that is related to that medical condition.
When you buy travel insurance, a pre-existing condition usually means any medical condition for which medical advice, diagnosis, care or treatment has been recommended or received.

When you obtain a travel insurance quote, you will be asked to answer the following questions which are designed to indicate whether you have a medical condition that needs to be declared to us.

Has anyone travelling ever had treatment for:

a) Any heart or circulatory condition?
b) Any type of diabetes?
c) A stroke or high blood pressure?
d) Any type of cancer, whether in remission or not?
e) A breathing condition?

In the last 5 years, has anyone travelling been treated for a serious or recurring medical condition, been prescribed medication or received treatment or attended a medical practitioner’s surgery?

In the last 5 years, has anyone travelling been referred to a specialist or a consultant at a hospital or clinic for tests, diagnosis or treatments or attended as an in or out patient

Has anyone travelling been diagnosed or treated for any form of anxiety, depression or psychiatric condition including eating disorders?

Has anyone been placed on a waiting list currently for investigations or treatment?

Has anyone been diagnosed by a medical practitioner as suffering from a terminal illness?

No, you won’t need to provide us or the travel insurance provider with a doctor’s certificate. Our medical screening questions will assess the severity of your medical condition, you just need to tell us the name of the medical condition and answer the questions honestly.
Yes, we don’t need to know the names of your medications, only the names of your medical conditions. Although you may be asked how many medications you take for a particular medical condition.
In order to screen your medical conditions and provide an accurate travel insurance quote, we will need to know the name of the medical condition you have been diagnosed with. If you are unsure, you should check with your doctor.

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