First of all, pre-existing medical conditions are not covered under your Monzo travel insurance. 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:
-
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. -
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:
Monzo’s travel 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.
Do I need to inform you about my pre-existing medical conditions before traveling?
No, there is no requirement to disclose or declare your pre-existing medical conditions before traveling. However, it's important to understand that your policy does not cover any claims arising directly or indirectly from pre-existing medical conditions.
If I don't tell you about my condition, will I still be covered for unrelated medical emergencies?
Yes. Any sudden health issue or emergency that is not linked to a pre-existing condition could still be covered, subject to the other terms and conditions of the policy. The key factor is whether the new medical issue is connected to your pre-existing condition.
Are there examples of how pre-existing conditions might impact claims?
Here are a few examples of how pre-existing conditions could indirectly impact a claim:
- High blood pressure or diabetes leading to a heart attack or stroke.
- Breathing difficulties resulting in a respiratory illness.
- Osteoporosis leading to a fractured or broken bone.
- Previously having had cancer and suffering with a secondary cancer (where the primary cancer has metastasized in another area of the body).
What might still be covered?
Any other sudden health issue or emergency, not linked to the pre-existing condition, could be covered, subject to other Terms & Conditions.
Are there any additional health-related exclusions?
Your claim may also be refused or reduced if:
- You are traveling against the advice of a medical practitioner.
- You are traveling with the intention of obtaining medical treatment abroad.
- You have undiagnosed symptoms that require attention or investigation.
- You are not registered with a General Practitioner in the UK
- You, or a close relative, have received a terminal diagnosis from a medical practitioner;
- or they were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or clinic.
Keep in mind
For medical emergencies, please call Zurich Assist for help. Then, always fill out the in-app or online claim form to submit a claim—even if you’re not sure whether it’s covered. That way, we can keep a clear record and take a closer look at your situation. Just remember to keep any relevant receipts or official documents, like a police report in case of theft, to help support your claim.