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Travel insurance for Epilepsy

Find travel insurance that can cover Epilepsy.

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Important:

Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
    warningFinally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘 Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.

    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.

    Get quotes for travel insurance that considers all pre-existing conditions

    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
    1cover
    • 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 and you do not required medical treatment for a seizure in the past 1 years
      • 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
    American Express
    • 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
    Budget Direct Travel Insurance

    Budget Direct

    • 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
    Fast Cover

    fastcover

    • 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
    InsureandGo

    Insureandgo

    • No cover if you have suffered from Epilepsy in the last 5 years
    iTrek

    iTrek

    • You are covered if If you are no more than one anticonvulsant medication
      • if you have required medical treatment for a seizure in the past 1 years
    Skiinsurance.com.au

    Ski-insurance

    • 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 oneanti-convulsant medication
      • No cover if you have been hospitalised in the last 24 months
    Picture not described: tick-travel-insurance-logo-200x120.png

    Tick Travel

    • No cover if you have suffered from Epilepsy in the last 5 years

    Picture not described

    Travel Insurance Saver

    • 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.
    Travel Insuranz

    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
    World Care
    • 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
    youGo

    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

    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 brands 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

    More guides on Finder

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