important information regarding pre-existing medical conditions

Snowcard Insurance will provide cover for new injuries or illnesses which occur during the period of insurance.

(this statement is applicable for policies sold after 30 August 2019 - for policies sold prior to this date, please refer to the policy document sent with your original email confirmation. Updated or amended policies are re-issued under the revised terms)

Cover under the cancellation section excludes claims directly or indirectly connected to the Coronavirus Covid-19 Pandemic for all policies purchased after 00:00 hours 14th March 2020. With effect from 6th July 2020 if you are travelling to a country the FCO do not advise against travel to the Medical Expenses section includes claims if you fall ill on holiday with Coronavirus Covid-19. If you travel against FCO advice your policy will not be invalidated but you will not be insured for medical expenses resulting from Covid-19.

Important Exclusions relating to health:

There is no cover under this policy at any time if:

1)    You travel after a medical practitioner has advised you against travel, or you are taking part in any activities against the advice of a medical practitioner or hospital consultant.

2)    You are travelling for the purpose of receiving medical treatment, surgery or medical investigations.


Important Information about Pre-Existing Medical Conditions:

Snowcard Insurance will provide cover for new injuries or illnesses which occur during the period of insurance. There is no cover for pre-existing medical conditions. 

For the purposes of this insurance, a pre-existing medical condition is considered to be:

A)   any medical condition (including psychological conditions such as stress, anxiety and depression), which has resulted in referral to a hospital or consultant in the last 12 months

B)   any medical condition for which your prescribed medication to treat, manage or prevent a condition, symptoms or disorder has changed in the last 12 months

C)   any medical condition for which you are on a hospital waiting list or awaiting the results of tests or investigations

D)   any cardiac or respiratory condition for which you take more than 2 prescribed medications

E)   any undiagnosed medical condition where you are aware of symptoms and you are awaiting diagnosis

F)   any medical condition where a terminal prognosis has been given


If any of the above applies to you, you can still purchase a Snowcard policy to cover new injuries or illnesses that are not directly or indirectly connected with the pre-existing medical condition. If you require additional cover for a pre-existing medical condition, there are policies available on the market that you can purchase in addition to your Snowcard policy. 



A physical injury that has been treated and no longer requires further treatment, medication or rehabilitation is not a pre-existing medical condition within the terms of this policy. If you are recently recovered from a physical injury you must have been 'signed off' by your GP or consultant as fit to travel and to engage in your chosen activity or sport.