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Is a mental health disorder classed as a pre-existing condition?

Both physical and mental health conditions need to be listed as pre-existing conditions when applying for travel insurance as both of these may need treatment when abroad.

Over a third of people have mental health disorders in their lifetimes, and so it is vital to understand how these can affect your travel insurance.

Declaring your mental health condition

Any mental health disorder that you have that needs medicating or affects your everyday life needs to be declared when booking travel insurance. The most common mental health disorders include:

  • Anxiety and Panic Disorders
  • Depression
  • Bipolar Disorder
  • Schizophrenia
  • Obsessive Compulsive Disorder
  • Eating Disorders such as Anorexia and Bulimia
  • Tourettes Syndrome
  • Psychosis

How to declare any pre-existing medical conditions

Declare any pre-existing medical conditions via our discreet online screening process.

Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited who are authorised and regulated by the Financial Conduct Authority under registration number 828848.

Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited

Holiday Extras Travel Insurance is provided by Taurus Insurance Services, an insurance intermediary licenced and authorised in Gibraltar by the Financial Services Commission under Permission Number 5566 and authorised to passport general insurance intermediary services into the UK and registered with the Financial Conduct Authority in the UK under registration number 444830.

The insurance is underwritten by Great Lakes Insurance SE. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Firm Reference Number: 769884. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.