Beyond anxiety and depression, what other mental health conditions can travel insurance cover?

Travel insurance policies can cover a range of mental health conditions beyond just anxiety and depression. Some insurers may offer cover for conditions such as schizophrenia, bipolar disorder and stress often subject to a medical assessment. It is essential to declare your specific condition during the application process as cover varies significantly between providers and policies.

What are the consequences of not declaring a mental health condition to my travel insurer?

Not declaring a pre-existing mental health condition when you apply for travel insurance can have serious consequences. If you need to make a claim related to your mental health during your trip, your insurer may refuse to pay out as your policy could be considered invalid due to non-disclosure. This means you would be responsible for all medical and associated costs incurred overseas.

Does travel insurance cover ongoing medication for mental health conditions while overseas?

Generally, travel insurance is designed to cover unexpected medical emergencies, not the ongoing supply of routine medication. However, if your policy specifically covers your declared mental health condition and you require emergency medical attention (including medication due to an unexpected worsening of your condition overseas) your policy may cover these costs. Always check your Product Disclosure Statement for details.

Do I need a medical report or assessment from my doctor to get mental health travel insurance?

Yes, for many existing mental health conditions insurers will require you to complete a medical assessment or provide a recent medical report from your doctor or specialist. This helps the insurer understand your condition, its stability and any ongoing treatment. Based on this information they will determine if they can offer cover and what premium may apply.

Can I get travel insurance if I have a new or recently changed mental health diagnosis?

If you have received a new diagnosis or experienced a significant change in your mental health condition recently it is crucial to declare this to your travel insurer. These situations are typically treated as pre-existing medical conditions and will require assessment. Insurers will evaluate the recency and stability of your condition before deciding if cover can be offered and under what terms.

Travel Insurance for Mental Health: 2026 Guide

We have researched over 25 travel insurance brands to find which ones provide mental health travel insurance.
It is possible to get cover for a variety of conditions including depression, schizophrenia, bipolar disorder, anxiety and stress.
Some companies will offer cover by assessment for mental health issues.

How do travel insurance brands treat mental health?

Brand	Conditions	Apply
	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.	Get quote
	Existing Medical Conditions We automatically include: Anxiety and Depression	Get quote
	To the extent permitted by law, we will not pay under any circumstances if your claim arises from, is related to, or associated with: Any Pre-existing medical condition(s), except as specified under Pre-existing medical condition(s).	Get quote
	You may be covered if the condition was initially approved following a medical assessment when you purchased your policy.	Get quote
	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.	Get quote
	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.	Get quote
	You, or any insured person on your policy has, in the last 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).	Get quote
	Claims arising from any of the following conditions if you or any insured person on your policy: a) 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)	Get quote
	We will not cover any claim arising from or related to the following: To the extent permitted by law, any existing medical condition that is not an existing medical condition we automatically cover, or that is otherwise approved by us and shown on your certificate of insurance.	More info
	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.	Get quote
	We won't cover any claims, costs or losses or liabilities directly or indirectly arising from, related to or associated with the following. An illness
	Existing Medical Conditions We automatically include: Anxiety and Depression	Get quote
	Existing Medical Conditions We automatically include: Anxiety and Depression	Get quote
	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.
	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.
	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 (i.e. not a Pre- existing Medical Condition)	More info
	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.	Get quote
	To the extent permitted by law, we will not pay under any circumstances if your claim arises from, is related to, or associated with any pre-existing medical condition(s), except as specified under pre-existing medical condition(s).	More info
	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
	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.

^{Note: This information was last updated April 2025}

Finder survey: Which pre-existing medical conditions do Australians have?

Response	Female	Male
Mental health conditions	17.29%	6.17%

Source: Finder survey by Pure Profile of 1112 Australians, December 2023

What is a pre-existing medical condition?

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.

How to apply for cover

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 health conditions are not covered under any circumstances, some can be, such as anxiety and depression. They 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.

If there is no mention of your condition in the PDS, you still need to disclose it to the insurer. They may agree to cover you but not for claims related to your condition. In some rarer cases, they may refuse to cover you at all.

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

What does travel insurance cover?

24/7 medical assistance

Most comprehensive travel insurance policies cover you for unlimited medical expenses and 24/7 medical care, including repatriation.

Delays and cancellations

Comprehensive travel insurance can cover you for cancelled or delayed flights. This is the most common reason for claims. According to Finder research, 29% of Australians, equivalent to around 5.8 million people, have had their flight delayed or cancelled in the last 12 months.

COVID-19 expenses

Many comprehensive travel insurance policies cover COVID-related expenses, such as medical costs, cancellations and rearrangements, but what's covered varies between insurers, so check the PDS.

Luggage and personal belongings

Unlike a basic policy, comprehensive policies typically cover lost and delayed luggage and personal items. They also come with high limits so it can cover all of your expenses.

- Accidental death
- Overseas emergency dental expenses
- Hospital cash allowance
- Loss of income
- Overseas emergency assistance
- Unlimited medical and hospital expenses
- Permanent disability
- Resumption of journey
- Alternative transport for special events
- Cancellation and amendment fees
- Travel delay expenses
- Daily delayed luggage allowance
- Lost or stolen luggage and personal belongings
- Theft of cash
- Personal liability
- Rental car excess insurance
- COVID-19 medical expenses
- Rearrangement costs if you get COVID-19

Frequently asked questions about mental health travel insurance

Travel insurance policies can cover a range of mental health conditions beyond just anxiety and depression. Some insurers may offer cover for conditions such as schizophrenia, bipolar disorder and stress often subject to a medical assessment. It is essential to declare your specific condition during the application process as cover varies significantly between providers and policies.
Not declaring a pre-existing mental health condition when you apply for travel insurance can have serious consequences. If you need to make a claim related to your mental health during your trip, your insurer may refuse to pay out as your policy could be considered invalid due to non-disclosure. This means you would be responsible for all medical and associated costs incurred overseas.
Generally, travel insurance is designed to cover unexpected medical emergencies, not the ongoing supply of routine medication. However, if your policy specifically covers your declared mental health condition and you require emergency medical attention (including medication due to an unexpected worsening of your condition overseas) your policy may cover these costs. Always check your Product Disclosure Statement for details.
Yes, for many existing mental health conditions insurers will require you to complete a medical assessment or provide a recent medical report from your doctor or specialist. This helps the insurer understand your condition, its stability and any ongoing treatment. Based on this information they will determine if they can offer cover and what premium may apply.
If you have received a new diagnosis or experienced a significant change in your mental health condition recently it is crucial to declare this to your travel insurer. These situations are typically treated as pre-existing medical conditions and will require assessment. Insurers will evaluate the recency and stability of your condition before deciding if cover can be offered and under what terms.

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Written by

Gary Ross Hunter

Journalist

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 529 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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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.

Key takeaways

How do travel insurance brands treat mental health?

Finder survey: Which pre-existing medical conditions do Australians have?