Travel Insurance for Epilepsy

Find travel insurance that can cover Epilepsy

Travelling with a pre-existing medical condition like epilepsy requires planning, especially with regards to medication. It's crucial to be adequately prepared in the event that you have a seizure overseas and this includes having the right travel insurance in place

How do I get cover?

Most travel insurance policies provide automatic cover for certain pre-existing medical conditions like epilepsy but will usually carry requirements such as:

  • No change in your medication regime over a certain period of time e.g. the last 12 months
  • No hospitalisation for your condition over a certain period e.g. the last two years

If you have been hospitalised recently

You will need to:

  • Apply for special cover if the policy allows it
  • Pay an extra premium

Which Australian travel insurance brands cover Epilepsy?

BrandDetailsApply
1-cover-logo
  • You are automatically covered if there has no change in your medication in the past 12 months and if you do not require more than one anti-convulsant medication
    • No cover if you have been hospitalised in the last 12 months prior to your policy being issued
    • If hospitalisation has occurred you can still get cover with an assessment and by paying an additional premium
Get quote
AMEX Travel Insurance
  • You are automatically covered if there has no change in your medication in the past 12 months
    • No cover if you have been hospitalised in the last 24 months
    • No cover if you're over the age of 75
Get quote
Budget Direct Travel Insurance
  • You are automatically covered if there has no change in your medication in the past 12 months
    • No cover if you have been hospitalised in the last 24 months
Get quote
Citibank Travel Insurance
  • You are automatically covered if there has no underlying medical conditions such has previous head trauma or stroke
    • No cover if you have required medical treatment for a seizure in the past two years
CoverMore
  • You are automatically covered if there has no underlying medical conditions such has previous head trauma or stroke
    • No cover if you have required medical treatment for a seizure in the past two years
Get quote
Downunder
  • You are automatically covered if there has no change in your medication in the past 12 months
    • No cover if you have been hospitalised in the last 24 months
Get quote
Easy Travel Insurance
  • You are automatically covered if you have been seizure free for the past 12 months or if you do not require more than one anti-seizure medication
    • If you are on any waiting list for treatment or are awaiting a test for your condition, you will need to apply for special cover.
Get quote
Fast Cover
  • You are automatically covered if there has no change in your medication in the past 12 months
    • No cover if you have been hospitalised in the last 24 months
Get quote
InsureandGo
  • No cover if you have suffered from Epilepsy in the last 5 years
Get quote
iTrek
  • You are automatically covered if there has no change in your medication in the past 12 months and if you do not require more than one anti-convulsant medication
    • No cover if you have been hospitalised in the last 24 months prior to your policy being issued
Get quote
MultiTrip Travel Insurance
  • You are automatically covered if there has no change in your medication in the past 12 months
    • No cover if you have been hospitalised in the last 24 months prior to your policy being issued
Get quote
Simply Travel Insurance
  • You are automatically covered if there has no change in your medication in the past 12 months
    • No cover if you have been hospitalised in the last 24 months
      • If hospitalisation has occurred you can still get cover with an assessment and by paying an additional premium
Get quote
Skiinsurance.com.au
  • You are automatically covered if there has no change in your medication in the past 12 months and if you do not require more than one anti-convulsant medication
    • No cover if you have been hospitalised in the last 24 months
Get quote
Southern Cross
  • You are automatically covered if there has no change in your medication in the past 6 months
    • No cover if you have experienced any symptoms that would cause a reasonable person to seek medical attention in the past 24 months
Tick Travel Insurance
  • No cover if you have suffered from Epilepsy in the last 5 years
Get quote
Travel Insurance Direct
  • You are automatically covered if there has no change in your medication in the past 12 months and if you do not require more than one anti-convulsant medication
    • No cover if you have been hospitalised in the last 24 months
Get quote
Travel Insurance Saver Logo
  • You are automatically covered if you have been seizure free for the past 12 months or if you do not require more than one anti-seizure medication
    • If you are on any waiting list for treatment or are awaiting a test for your condition, you will need to apply for special cover.
Get quote
Travel Insuranz
  • You are automatically covered if you have not had a seizure in the past 12 months and if you do not require more than one anticonvulsant medication
    • No cover if you have been hospitalised in the last 24 months prior to your policy being issued or if you sought treatment for them in the 14 days prior to the policy being issued
Get quote
Woolworths Travel Insurance
  • You are automatically covered if there has no change in your medication in the past 12 months
    • No cover if you have been hospitalised in the last 24 months
Get quote
Worldcare Travel Insurance
  • You are automatically covered if there has no change in your medication in the past 12 months
    • No cover if you have been hospitalised in the last 24 months
      • If hospitalisation has occurred you can still get cover with an assessment and by paying an additional premium
Get quote
youGo
  • You are automatically covered if there has no underlying medical conditions such has previous head trauma or stroke
    • No cover if you have required medical treatment for a seizure in the past two years
Get quote

How do insurers define Epilepsy?

If you suffer from epilepsy and you’re considering applying for travel insurance, it’s important to be aware of the way in which your condition is assessed by the insurance provider. The type and gravity of your condition will influence your premium. Categories include:

  • Idiopathic Epilepsy. This is a form of epilepsy that occurs for no obvious reasons. It is recognised by the occurrence of major convulsions and a minor short blackout. The insurer will make an assessment based on lifestyle and the course of treatment.
  • Symptomatic Epilepsy. Symptomatic epilepsy is usually a result of brain damage and, depending on the case, can result in a higher premium for your policy.
  • Focal Epilepsy. This variation causes complex motor seizures which would result in a higher premium.

Do I need to declare my condition?

The onus is on you to disclose your condition to the insurer, especially if it’s not automatically covered as a pre-existing medical condition. If you develop the condition after purchasing travel insurance, it’s imperative to inform your insurer so that the contract can be modified accordingly. You will most likely be charged an additional premium for the modification.


How do I disclose Epilepsy?

When you apply for insurance and disclose a pre-existing medical condition like Epilepsy, you will typically go through the these steps:

  1. Check if Epilepsy is completely excluded from your policy. This will mean the you cannot get cover with the policy.
  2. Check if Epilepsy is automatically included and under what conditions. Automatically included Epilepsy cover will typically have a condition such as requiring not hospitalisations in the past 2 years. If you meet the conditions then you will be automatically covered.
  3. If you do not meet the requirements, apply for special cover. Some policies will let you apply using a declaration form.

What do I need to provide in a declaration form?

You will be typically need to provide information regarding:

  • The name of your condition
  • What medications and treatments have been taken for the condition
  • Details of any recent changes your treatment medication
  • Whether or not you have seen medical practitioner recently
  • If you've undergone treatment in a hospital recently
  • If you're currently on a waiting list for medical review or treatment

Do I need to declare if I have taken medication for Epilepsy?

Yes, you must declare what type of medication you are using or when the last you used it was. Most travel insurance providers will cover epilepsy if your condition hasn’t changed within 12 months, or if you’re on only one course of anti-seizure medication. Depending on the variation and the kind of medication you’ve been prescribed, you might have to pay an additional premium.


Tips for travelling with Epilepsy

Here are a few tips to facilitate travelling with epilepsy.

  • Be prepared. Have all your travel and personal documentation on hand in case of a medical emergency. Do research to find out about standard medical care procedure if you suffer seizures at your destination.
  • Check your medication. Besides making sure that your medication is clearly marked with your name and the necessary dosage, it’s a good idea to store two or three sets of medication in different places (hand luggage, cabin bag, main luggage) in case you lose one.
  • Get enough rest. Fatigue can be a trigger for seizures, so make sure you get enough rest on the flight or on the road. Split long journeys into smaller parts so that you can rest.

When won’t you be covered?

Most travel insurance policies will cover epilepsy as a pre-existing medical condition, but not if:

  • You are on two or more anti-seizure medications, or
  • Your medication regime remains unchanged for 12 months

In these cases, the terms of your travel insurance policy won’t cover the costs of medical assistance or hospitalisation.


Living with epilepsy doesn’t mean you can’t travel. Depending on the seriousness of your condition, most travel insurance policies will cover epilepsy as long as you show you can manage it responsibly.

Find travel insurance with Epilepsy cover

Conditions of Epilepsy cover from Australian travel insurance brands

Maurice Thach

Maurice is a publisher for finder.com.au. Daily research of Australia's insurance offerings allows him to breakthrough the noise of the many policies out there to uncover what can (and can't) be covered. Maurice hopes to make finding the right insurance easier for all.

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