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HomeContact UsThe information on this site is only valid for policies purchased on or after the 15th May 2025
All collectionsPurchasing A PolicyDeclaring Pre-Existing Medical Conditions

Declaring Pre-Existing Medical Conditions

At Cedartree Insurance we believe your medical condition(s) should not be a barrier to finding the cover you need. We offer an online screening process that ensures your condition(s) can be confidentially and discreetly declared prior to purchase. We will then offer a premium that includes cover for your pre-existing medical condition(s).

Can I get cover if I am under investigation for an undiagnosed condition?

Can I get cover if I am awaiting test results or scans for a diagnosed condition?

Can I get cover if I am awaiting treatment or surgery?

What if I have symptoms before purchasing the policy but haven't seen a doctor yet?

What do I do if you can't cover my pre-existing medical conditions?

Fertility tests

Genetic testing

Sight tests

Do I need to declare my pre-existing medical condition?

ADHD or Autism

Allergies

Anemia or anaemia

Childhood asthma

Back pain

Common respiratory conditions (ie flu or chest infections)

Cosmetic surgery

Diarrhoea

Dyslexia or Dyspraxia

Gender reassignment surgery or treatment

IBS or Gastroenteritis

Medical trials

Menopause, perimenopause or Hormone Replacement Therapy (HRT)

Phobias

Preventative medications (e.g., statins, blood thinners)

Post-natal mental illness

Pregnancy

Progressive diseases, such as dementia

Syndromes like Downs syndrome or Fragile X syndrome?

Terminal prognosis

Weight loss medications like Ozempic, Wegovy or Mounjaro