Eligibility

To be covered by this policy you must be a member of NARPO and remain so for the life of the policy, you will need your membership number when we complete the application.  All insured members must be a permanent resident of the UK and aged between 50 and 79 (thereafter, no upper age limit will apply).

What does being ‘fit to travel’ mean?

Being medically fit means any existing medical conditions - including psychiatric conditions, must be stable and controlled by the treatment you are receiving and/or medication you have been prescribed. There must be no known likelihood of any specialist or specific medical tests, investigations or variation of treatment or medication for any existing medical condition(s) on any of the above dates or whilst travelling; and you must not be awaiting surgery for a diagnosed condition unless your medical practitioner has confirmed that you are medically fit to travel, and you are not exhibiting symptoms of an existing medical condition which could mean that your trip could be cancelled or cut short. Cover is not suitable if you have been given a terminal prognosis, which is a life expectancy of below one year at the start date of the journey.

You will not be eligible for this policy if any insured member suffers from a chronic breathing condition such as:

• Severe Allergic Asthma, Asthma with fixed airflow obstruction, Nighttime (Nocturnal) Asthma
• Obstructive Sleep Apnoea
• Chronic Obstructive Pulmonary Disease (COPD)
• Chronic Bronchitis
• Cystic Fibrosis/Bronchiectasis
• Emphysema
• Lung Cancer
• Lung Hernia
• Pleural Effusion
• Pneumonia

This is not an exhaustive list.

It is always advisable to consult a doctor if you have any doubts about your fitness to travel.
 

Points at which you need to be ‘fit to travel’

We would like to remind members of the requirement to be fit to travel. For the cancellation, curtailment and loss of deposit cover (Section 4), you must be medically fit to travel at the following points: 
 

• The date you book the trip
• When making additional deposit payments
• When you pay the final balance

For all other cover sections,  you must be medically fit to travel on the date you start your trip.

It is always advisable to consult a medical practitioner if you have any doubts about whether any insured member is medically fit to undertake a trip.