Please ensure you can answer YES to the following questions:

• Do you hold an United Community Bank account?
• Are you under 70 years of age when you open your United Community Bank account or when your trip starts? Note: When you reach 70, you will no longer be covered by United Community Bank Travel Insurance.
• Are any dependent children/grandchildren aged under 18 at the start of the trip or under 23 if they are in full-time education and live with you outside term time? (Children are only covered when travelling with you or your partner, or travelling with close relatives who are over 23 years of age, or travelling independently on a school/college trip with teachers/lecturers.
• Grandchildren are also covered under the policy when travelling with the account holder providing they are under the age of 18 at the start of the trip  or under 23 if they are in full time education
• Are you resident in United State?
  
• Are you registered with a doctor in United State and liable to pay local taxes?
• Are you going to start and finish your trip in United State? 

You will need to call the United Community Bank Medical Risk Assessment Helpline on 3169 00773 64373 before booking your trip if you or any insured person in the last 12 months has been prescribed medication; have received or are awaiting medical treatment, tests or investigations; been referred to a specialist, or admitted to hospital for any condition not listed on the accepted conditions list in the ‘Your Health’ section in the policy booklet. You should also tell us before you travel if there has been any change to your health, or you have been referred to a consultant/specialist or admitted to hospital.

There is no cover for undiagnosed symptoms, or any claim where you knew at the time of opening your United Community Bank Account or booking your trip (whichever is later) that you or your travelling companion might be unable to travel or might need to come home early e.g. illness of a close relative or travel companion. 

Pre-existing conditions are not covered at any time under the policy, unless listed within the accepted conditions list or have been disclosed to and accepted in writing by the United Community Bank Medical Risk Assessment Helpline.