 | Claims which in any way relate to, or are exacerbated by, an Existing Medical Condition or related new infections are specifically excluded from this policy unless Your Existing Medical Condition is approved by Us. |
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 | Existing Medical Conditions We automatically include: |
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 | To the extent permitted by law we will not pay under any circumstance if:- Your claim arises from, is related to or associated with any Pre-Existing Medical Condition, except as provided under the section titled Pre-existing Medical Conditions.
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 | We will not pay As a result of mental illness (including depression, anxiety, stress, mental or nervous conditions) suffered by you, a close relative or another person unless:- a mental illness diagnosis has been made by a psychiatrist or psychologist that is a registered and certified mental health professional; and
- the registered psychiatrist or psychologist certifies that the mental illness prevents you from starting or finishing your trip; and
- the mental illness has first occurred or first manifested during your Period of Insurance
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 | We are not liable for any claim arising out of or related to:- Anxiety, depression, mental illness or stress suffered by you, a relative or another person unless referred to and diagnosed by a registered psychiatrist or psychologist as a new condition.
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 | We are not liable for any claim arising out of or related to:- Anxiety, depression, mental Illness or stress suffered by You, a Relative or another person or referred to and diagnosed by a registered psychiatrist or psychologist as a new condition.
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 | What you are not covered for: You, or any insured person on your policy, has, in the 5 years prior to the policy issue date, suffered from or received medical advice, treatment or medication for:any psychiatric or psychological condition (including anxiety or depression). |
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 | Any claim arising from any of the following: (This is unless you have told Tick Travel Insurance about your condition and we have accepted it.) You, or any insured person on your policy, has, in the 5 years prior to the policy issue date, suffered from or received medical advice, treatment or medication for:- any psychiatric or psychological condition (including anxiety or depression); |
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 | We will not cover any claim arising from or related to the following:- Any medical condition related to or associated with any Pre-Existing Medical Conditions, except as provided for under the section "Pre-Existing Medical Conditions".
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 | Claims which in any way relate to, or are exacerbated by, an Existing Medical Condition or related new infections are specifically excluded from this policy unless Your Existing Medical Condition is approved by Us. |
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 | We won't cover any claims, costs or losses or liabilities directly or indirectly arising from, related to or associated with the following:- Any pre-existing medical condition, whether it's diagnosed or undiagnosed.
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 | We do not offer cover for the following Pre-Existing Medical Conditions if You: have a mental illness as defined by DSM-IV including:- dementia, depression, anxiety, stress or other nervous condition; or
- behavioural diagnoses such as but not limited to autism; or
- a therapeutic or illicit drug or alcohol addiction.
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 | We do not offer cover for the following Pre-Existing Medical Conditions if You: have a mental illness as defined by DSM-IV including:- dementia, depression, anxiety, stress or other nervous condition; or
- behavioural diagnoses such as but not limited to autism; or
- a therapeutic or illicit drug or alcohol addiction.
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 | We will not cover any of the following:- A loss arising from any existing medical condition of you, a member of the travelling party, a non-travelling close relative or business partner. This exclusion will not apply to your specified medical condition(s) or to your Automatically covered conditions.
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 | Claims which in any way relate to, or are exacerbated by, an Existing Medical Condition or related new infections are specifically excluded from this policy unless Your Existing Medical Condition is approved by Us. |
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 | To the extent permissible by law, We will not pay if:- Your claim Arises from, is related to or associated with any Pre Existing Medical Condition(s), except as provided under the Pre Existing Medical Condition(s) section
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 | We will not cover losses, pay or reimburse any costs, under any section of this Policy which are recoverable from any other source, or arising from:- any Pre-existing Medical Conditions
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 | Claims which in any way relate to, or are exacerbated by, an Existing Medical Condition or related new infections are specifically excluded from this policy unless Your Existing Medical Condition is approved by Us. | More info |
 | What we don't cover unless your policy specifically allows it:- Your claim arises from a pre-existing medical condition of you, or your travel companion, or a relative.
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