Medications for pre-existing conditions can affect your travel insurance, but we're here to help you get covered.
Pre-existing conditions you're taking medications for are more likely to affect your travel insurance than the actual pills. Luckily, there are dozens of pre-existing conditions that are covered automatically by most insurance companies - like hypertension, diabetes and epilepsy.
If you are taking medications into another country, know the local laws by checking in with the embassy to ensure you're not bringing in something illegal or more than you're permitted.
Remember to declare any conditions you're taking prescription medications for to the insurer to check if they're covered by their policies.
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Most standard travel insurance policies do not cover loss or theft of prescription drugs. If you’ll be taking regular medication during your trip, you generally won't be able to find cover for them as the drugs are for a pre-existing condition. However, if you are hospitalised overseas and are prescribed medication for a new ailment, you may be able to make a claim under the overseas medical section of your policy.
Policies designed for senior travellers, travellers with disabilities and those with pre-existing medical conditions often include cover for medications. Your pre-existing condition will need to be declared, assessed and approved by your insurer before you’ll be able to purchase such a policy. Whether you can or not will depend on what your condition is, whether it’s under control and whether your doctor and your insurer consider you fit to travel.
How much will I be covered for?
Even if your travel insurance covers medication, you may not be reimbursed for the entire amount of your loss. It will depend on how much your prescriptions cost to replace while you’re overseas. A drug that is subsidised under the Pharmaceutical Benefits Scheme (PBS) in Australia, for instance, may not be in a country such as the USA where replacement drugs may be very expensive due to that country’s costly health care system.
Common prescription medicines: What's allowed to be taken overseas?
With certain medications, special conditions may apply.
Strictly controlled, or narcotic medications
These may be strictly controlled overseas, and even a prescription and doctor’s note won’t guarantee your ability to travel with them. All of the following drugs are subject to international controls, and it’s a good idea to ask your doctor for alternative medications.
What should I do if I am planning to travel and need to take prescription drugs with me?
If your drug isn't listed above, you can find out if your prescriptions are legal by contacting the embassy of the country you plan to visit or by calling the Australian government’s Travelling with PBS Medicine enquiry line on 1800 500 147.
There are also limits on the amount of PBS medicines you can take with you overseas. To avoid potential problems at customs, get your doctor to write you a letter outlining your medications and the prescribed dose and confirming that they are for your personal use only.
Finally, never take PBS medicines out of the country for someone else. Customs may consider this to be trafficking, as the medication must be for your personal use only. Your medication could be confiscated or you could be prosecuted and fined.
If you have no choice but to travel with these, contact the relevant consulate well ahead of time, and try to find out whether there are specific steps you can take to make sure you don’t encounter difficulties.
With other, less strictly controlled medicines, you shouldn’t run into problems as long as you carry a prescription and a doctor’s note. The note should have your name and your doctor’s name as well as the following information:
- The name of the medicine, including the chemical and brand name
- The strength and dosage
- The form and manner of administration
- Written confirmation that you are travelling with this medicine and that it is for your personal use only
Can I send myself drugs overseas?
If you run out of medicine while you’re overseas, you can see a doctor in the country you are visiting and try to get the local version, depending on whether or not it is legal in that country. Alternatively, you can contact your doctor in Australia and have your medicines sent to you.
You can have PBS medicines sent to you from Australia if:
- They are for your personal use only
- The amount does not contravene Australian export regulations
- They are legal in the country you are visiting
To verify they are for your personal use and are no more than is allowed by law, your medication will need to be accompanied by a letter from your doctor or by a customs declaration form, available from any Australian post office. You’ll need to contact the embassy or consulate of the country you’re visiting to determine whether your medication is legal there.Back to top
Where applicable, a doctor’s note may help you take your non-prescription medicine through border controls more easily. To improve your chances of being able to travel with your non-prescription or over-the-counter medication, you should include this form and follow these simple tips:
- Where possible, take only the minimum amount needed with you overseas.
- Carry as little as possible in your carry-on baggage, and put the rest in your checked bags.
- If you think the medicine might be subject to controls overseas, you may be able to get a doctor’s note to improve your odds of travelling with it.
- Include a medicine export declaration form with non-prescription medications.
- Limits will apply to liquids, aerosols and gels.
It’s important to realize that just because a specific medication is easily available over the counter in Australia doesn’t mean it’s widely available overseas. You should try to determine if your non-prescription medicine is available and if it’s not, then look for alternative medicines that are available.
A medical device is defined by the Therapeutic Goods Administration (TGA) as a device used on humans to provide therapeutic benefits or to measure or monitor bodily functions.
Medical devices can range from bandages and tongue depressors to catheters, blood pressure monitors, prostheses and syringes.
Travelling with medical devices can lead to problems if you aren’t prepared. Here are some ways to avoid complications while travelling.
- Make sure any electrical devices you are taking have the appropriate adaptors for the countries you are visiting.
- Be prepared for your artificial hip, pacemaker or other implants to trigger airport screening devices and accept that your wheelchair or prosthesis may be subject to additional scrutiny.
- Declare any syringes to customs and to your airline, have a letter from your doctor confirming they are for your legal personal use.
- As with medication, keep all medical devices in their original packaging and put them in your carry-on luggage.
If you have a pre-existing medical condition that requires regular medication, here are some additional tips when travelling overseas.
- If your medication needs to be kept cool, notify the airline before your flight. Most carriers will allow you to place your medication in one of the aircraft’s refrigerators, but some will not due to hygiene concerns.
- Rather than using pill containers or generic bottles, leave your prescription medicines in their original packaging, which includes their name and dosage amounts. This will help customs identify them and make it easier for you to replace them while overseas.
- Always carry your medication in your carry-on luggage in case your check-in baggage is lost or stolen.
Checklist before heading overseas with medication
Taking medication with you overseas requires some forethought. The following checklist will help you ensure you’ve ticked all the boxes before you leave:
- Are your medications in their original packaging?
- Are they in your carry-on rather than check-in luggage?
- Have you arranged for their refrigeration in transit (if applicable)?
- Do you have enough for your entire trip?
- Do you have a doctor’s letter regarding your medications?
- Are they legal in the country you are visiting?
- Are you carrying a legal quantity?
- Do you know their generic names in case you need to replace them?
- Do you have suitable cover for your medications in your travel insurance?