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Mental health travel insurance
Travel insurance for mental health issues isn't always easy to find, but we can try to help.
A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information. We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable. We've researched over 25 travel insurance brands to find which ones provide mental health travel insurance. It's possible to get cover for a variety of conditions including depression, schizophrenia, bipolar disorder, anxiety and stress. Get a quote from our partners that consider all conditions, or read on to learn more about how different insurers treat mental health.
Compare travel insurance for mental health conditions
Based on our research of 25+ travel insurance brands, these are among the few in Australia that consider mental health conditions.
What are you looking for?
How do the insurance brands on finder treat mental health?
| Brand | Conditions |
|---|---|
 1cover | No cover for claims arising directly or indirectly from any mental health conditions as defined by DSM-IV including:
|
 American Express | There is no cover for claims arising directly or indirectly from:
|
 | Provides medical travel insurance for mental health conditions, mild and severe:
|
 Budget Direct | There is no cover for claims arising directly or indirectly from:
|
 Columbus Direct |
|
 | There is no cover for claims arising directly or indirectly from:
|
 InsureandGo | You will not be covered for claims if you or any insured person on your policy has in the last five (5) years suffered from or received medical advice, treatment or medication for:
|
 Insure4less | There is no cover for claims arising directly or indirectly from any mental health conditions as defined by DSM-IV including:
|
 | There is no cover for claims arising directly or indirectly from:
|
 | There is no cover for claims arising directly or indirectly from:
|
 | You will not be covered for claims if you or any insured person on your policy has in the last five (5) years suffered from or received medical advice, treatment or medication for:
|
 Travel Insuranz | There is no cover for claims arising directly or indirectly from your mental health condition as defined by DSMIV including but not limited to:
|
 Virgin | There is no cover for claims arising directly or indirectly from:
|
 | There is no cover for claims arising directly or indirectly from:
|
 | There is no cover for claims arising directly or indirectly from:
|
 World Care | There is no cover for claims arising directly or indirectly from:
|
 | There is no cover for claims arising directly or indirectly from:
|
Important: Please note that the information contained in the table above about travel insurance for mental health is correct as of 18/06/2019 and is subject to change.
What is a pre-existing medical condition?
When it comes to travel insurance policies, a pre-existing medical condition is usually any medical condition that you're aware of, take medication for, or have taken medication for in the past.
If you're looking for travel insurance for mental health, one of the first places you might check is the product disclosure statement (PDS) of different products or insurers, where the conditions relating to pre-existing medical conditions can often be found.
While many pre-existing mental illnesses are not covered under any circumstances, some forms, such as anxiety and depression, often require further assessment prior to the issue of a policy. This usually means you can get cover by undergoing an assessment and paying an additional premium.
How much does it cost?
Those insurers who do cover mental health will typically charge a higher premium, due to the higher perceived risk. But no two premiums are the same and how much you might pay can depend on the insurer, the type and severity of your mental illness and the usual factors that determine the cost of travel insurance which include:
- The level of cover you choose (benefit amounts etc)
- The options you select
- The destination you are travelling to
- Your age and general health
Australian counselling services for people suffering from mental health
If you’d like some help or advice, whether insurance-related or otherwise, the following is a list of potentially useful links to organisations who may specialise in providing support to those dealing with mental illness.
Picture: Pictures of Money, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped) Picture: Shutterstock
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Ask an Expert
I want to go on a cruise. My husband is in permanent care with Lewy body dementia and Parkinsons. Is there any insurance I can get in case I need to return if there is an emergency as in death.
Hi Judy,
Thank you for getting in touch with finder.
Kindly check out this page for travel insurance for family emergency like if a family member falls ill or dies while you are travelling or before you depart. As per the said page, travel insurance for family emergency can help you recover your cancellation costs including pre-booked tickets and hotels, costs associated with returning home at short notice and costs associated with resuming your journey at a later date. It is best to contact your chosen insurer to know their conditions.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
What does it mean if you cannot get insurance on pre- existing conditions?
Hi Gabrielle,
Thanks for your comment.
A pre-existing condition is a medical condition that started before a person’s health benefits went into effect. Most insurance policies does not cover pre-existing medical condition.
Having a pre-existing medical condition doesn’t mean you can’t get an insurance or have to fork out more cash. It just means you have to look a little harder for the right policy.
Regards,
Jhezelyn
I am travelling to france on the 19th april 2017 for 7 weeks with my parents.I am 43 and have Schizophrenia and are on medication.I have not been admitted to hospital since 2009 and see my Psychiatrist every 6to8 weeks.can I get travel insurance to cover me for this .I will be travelling with my parents.
Hi Leanne,
Thanks for getting in touch. Getting cover for mental illness can be tricky. Please review the brands mentioned at the top of the article. Cover varies from person to person and insurer to insurer.
Cheers,
Richard