You are covered for any medical treatment required, and also for Air Ambulance if it is medically necessary to take you to the nearest hospital or clinic for treatment. You will also be covered for repatriation back to your home country if it is necessary that you receive further treatment at home.

Yes! We specialise in covering people who’ve already left their Home Country, as long as you haven't picked up permanent residency status in another country.

If cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. For cover to apply the Already Travelling extension must be shown on your Booking Invoice or Validation Certificate (as applicable). Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

To declare any pre-existing medical conditions, please visit our online medical screening service.

If you would rather undergo your medical screening by telephone, please get in touch with us on 01702 427237 and any of our agents will be happy to assist you.
This is a secure and confidential service which allows you to declare any pre-existing medical conditions you may have, as defined by your Big Cat policy wording.
Whilst the medical screening helpline is optional we highly recommend it as it ensures that if anything happens to you on your trip caused by your pre-existing medical condition, you are completely covered.

You will be advised whether the Pre-Existing Medical Condition may be covered, an optional additional premium may be quoted and whether any amendments will be made to the policy terms and conditions. During this process you will be asked for your personal and travel details, additionally, please have your insurance policy to hand if known. 

If terms can be provided for the condition and you elect to take up the offer of the additional cover, you will be given a medical screening reference number and a letter will be sent to you upon receipt of payment. Any additional premiums must be paid directly to the medical screening helpline.

Should you not contact the medical screening helpline or not wish to take advantage of the optional terms quoted by the medical screening helpline, you will not be covered for any claims arising directly or indirectly from a Pre-existing Medical Condition.

There is no cancellation or curtailment cover for a Pre-Existing Medical Condition of persons who are not covered by your policy such as a Close Relative, unless disclosed to the medical screening helpline by that same Close Relative and additional cover agreed.

Definition of a Pre-Existing Medical Condition:

a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have ever received treatment (including surgery, tests or investigations by your Medical Practitioner or a consultant/specialist, or prescribed drugs/medication).

 b) Any Medical Condition for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months, or prescribed drugs/medication.

You do not need to call the medical screening helpline in respect of the following automatically covered pre-existing medical conditions, as they are automatically covered at no additional premium provided you do not also have a pre-existing medical condition. If you have a pre-existing medical condition in addition to any of the following automatically covered pre-existing medical conditions all conditions will be excluded from cover, unless disclosed to the medical screening helpline and additional cover agreed in writing.

Acne,
ADHD,
Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years,
Allergic rhinitis,
Arthritis (the affected person must be able to walk independently at home without using mobility aids),
Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication),

Blindness or partial sightedness,

Carpal tunnel syndrome,
Cataracts,
Chicken pox – if completely resolved,
Common cold or flu,
Cuts and abrasions that are not self-inflicted and require no further treatment,
Cystitis – provided there is no on-going treatment,

Deafness,
Diabetes (which is controlled by diet or tablets only),
Diarrhoea and vomiting – if completely resolved,

Eczema,
Enlarged prostate – benign only,
Essential tremor,

Glaucoma,
Gout,

Haemorrhoids,
Hay fever,

Ligament or tendon injury – provided you are not currently being treated,

Macular degeneration,
Menopause,
Migraine – provided there are no on-going investigations,

Nasal polyps,

PMT,

RSI, Sinusitis – provided there is no on-going treatment,

Skin or wound infections that have completely resolved with no current treatment,

Tinnitus,

Under active Thyroid (Hypothyroidism),
Urticaria,

Varicose veins in the legs.

To declare any pre-existing medical conditions,

please visit our online medical screening

If you would rather undergo your medical screening by telephone,

please get in touch with us on 01702 427237 and any of our agents will be happy to assist you.

This is a secure and confidential service which allows you to declare any pre-existing medical conditions you may have,

as defined by your Big Cat policy wording.

Area 1: UNITED KINGDOM ONLY
Whilst insurance is available for holidays in the United Kingdom, Section A. Medical Expenses and Personal Liability. 1. Medical and Associated Expenses, 2. In Patient Benefit and 3. Criminal Injuries Benefit shall be inoperative if an Insured Person’s Home Country is the United Kingdom.

Area 2: EUROPE
Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary, Azores and Mediterranean Islands as well as all countries bordering the Mediterranean.

Area 3: AUSTRALIA and NEW ZEALAND
(a) For any period of cover purchased Area 3 can include a 48 hour stop-over anywhere in the World for both outward and return travel.
(b) If the period of cover purchased is two months or more Area 3 can be extended to include a maximum of 7 days/nights anywhere in the World.

Area 4: WORLDWIDE EXCLUDING NORTH AMERICA
North America means the USA ,Canada & Mexico.
(a) For any period of cover purchased Area 4 can include a 48 hour stop-over anywhere in the world for both outward and return travel.
(b) If the period of cover purchased is two months or more Area 4 can be extended to include a maximum of 7 days/nights anywhere in the World.

Area 5: WORLDWIDE INCLUDING NORTH AMERICA
Includes travel to the USA, Canada & Mexico.