| 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. | Bonus |
 | Existing Medical Conditions We automatically include:
| Bonus |
 | To the extent permitted by law we will not pay under any circumstance if:
| Get quote |
 | 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:
| Finder AwardBonus |
 | We are not liable for any claim arising out of or related to:
| Get quote |
 | We are not liable for any claim arising out of or related to:
| Get quote |
 | 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). | Bonus |
 | 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); | Bonus |
 | We will not cover any claim arising from or related to the following:
| Get quote |
 | 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. | Bonus |
 | We won't cover any claims, costs or losses or liabilities directly or indirectly arising from, related to or associated with the following:
| Finder Award |
 | We do not offer cover for the following Pre-Existing Medical Conditions if You: have a mental illness as defined by DSM-IV including:
| More info |
 | We do not offer cover for the following Pre-Existing Medical Conditions if You: have a mental illness as defined by DSM-IV including:
| More info |
 | We will not cover any of the following:
| Get quote |
 | 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 permissible by law, We will not pay if:
| 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:
| 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. | More info |
 | What we don't cover unless your policy specifically allows it:
| More info |
Note: This information was last updated September 2023
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 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.
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:
Most comprehensive travel insurance policies cover you for unlimited medical expenses and 24/7 medical care, including repatriation.
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.
Comprehensive travel insurance policies now cover COVID. This includes medical expenses, cancellations and rearrangement costs.
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.
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