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Travel insurance with pre existing medical conditions

From bad allergies to diabetes and everything in between, you can get cover for your pre-existing condition. Here's how.

The good news is that you can get travel insurance that will provide you with cover for pre-existing conditions. In fact, many Australian travel insurers have a list of pre-existing conditions they cover automatically. And for conditions that aren’t automatically covered, it could be as simple as completing an online medical questionnaire and paying an additional premium.

To help you out we’ve broken down the conditions automatically covered by all the travel insurers you can access through finder, along with more information on how to get cover with a pre-existing condition, pre-existing conditions waivers and more.

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

Brands Product Product Details Apply
AllClear Travel Insurance Gold Plus Cover

$15,000,000 overseas medical expenses

$2,000,000 personal liability

Unlimited cancellation fee

$20,000 death cover

Get quoteMore info
AllClear Travel Insurance Gold Cover

$10,000,000 overseas medical expenses

$2,000,000 personal liability

12,000 cancellation fee

$20,000 death cover

Get quoteMore info

Which pre-existing conditions are automatically covered by the travel insurance brands on finder?

Search for your condition to see which travel insurance brands will cover you.

Provider Pre-existing condition Get quote
  • Acne
  • Asthma
  • Benign positional vertigo
Get quote
All conditions are considered Get quote
american express funeral insurance
  • Acne
  • Asthma
  • Bell's palsy
Get quote
  • Acne
  • Allergy
  • Asthma
Get quote
  • Acne
  • Asthma
Get quote
  • Acne
  • Allergy
  • Asthma
Get quote
  • Acne
  • Allergy
  • Asthma
Get quote
  • Acne
  • Allergies
  • Asthma
Get quote
  • Acne
  • Allergies
  • Asthma
Get quote
  • Acne
  • Allergies
  • Asthma
Get quote
  • Acne
  • Allergies
  • Anaemia
Get quote
  • Acne
  • Allergic Rhinitis
  • Anaphylaxis
Get quote
  • Acne
  • Asthma
  • Bunions
Get quote
  • Acne
  • Asthma
  • Bunions
Get quote
  • Acne
  • Asthma
  • Bunions
Get quote
  • Acne
  • Allergy
  • Asthma
Get quote
zoom logo
  • Acne
  • Allergies
  • Asthma
Get quote

Is your condition not listed above? Check how you can get cover for these pre-existing conditions

How does travel insurance for pre-existing conditions work?

Pre-existing conditions usually won't stop you from buying travel insurance. Insurers will consider most medical conditions and even if they decide not to cover yours, you can still get insurance covering everything else. It simply means you won't be covered for claims related to or caused by your pre-existing condition.

Steps for getting travel insurance with a pre-existing medical condition

1. Be straight up with your insurer

If you suffer from a pre-existing medical condition and need travel insurance, you must let your travel insurance provider know of any pre-existing conditions you may have. If you don’t, you could be left out-of-pocket in the event where you need to make a claim.

2. Understand what is considered to be a pre-existing medical condition

The definition of a pre-existing medical condition varies slightly between insurers but the term is generally accepted to refer to:

  • An ongoing medical or dental condition of which you are aware, or a related complication you have or the symptoms of which you are aware
  • A medical or dental condition that is currently being treated or investigated by a health professional, or that has been treated or investigated by a health professional in the past
  • Any condition for which you take prescribed medicine
  • Any condition for which you have had surgery
  • Any condition for which you see a medical specialist
  • Pregnancy

Check your product disclosure statement (PDS) or contact the insurer directly to find out how your insurer defines a pre-existing condition.

3. Check to see if your condition is on the automatically covered list

While you’re looking at the PDS make sure you check to see if your condition is automatically covered or excluded by your insurer.

Check out which conditions are typically covered automatically

4. Complete the online questionnaire

If your condition is not mentioned on either list, you’ll need to complete your insurers medical screening process, which will most likely consist of you completing an online questionnaire. These questionnaire typically ask you about how long you’ve had your condition, the type of treatment you’ve undergone, whether or not you’re currently taking any medication and other relevant questions so that they may assess your risk level.

Typically you'll be asked:

  • What is the name of your condition?
  • What medications have been taken to treat the condition?
  • If you have been treated for blood pressure or diabetes, what was the last reading?
  • Have you changed your treatment medication recently? (generally in the last 3 months)
  • Have you seen a medical practitioner recently? (generally in the last 3 months)
  • Have you been admitted or undergone treatment in a hospital in the last 12 months?
  • Are you currently awaiting a medical review or treatment?

If you don't declare your condition, you won't be covered for any claims for losses that have occurred as a result of your condition. In some cases, your insurance provider can also choose to cancel your policy if they feel you have purposely withheld information that may increase the likelihood of a claim occurring.

5. Approval of cover

Once you’ve completed the medical questionnaire you’ll either have your pre-existing condition approved, which will generally result in you paying a higher premiums, or you’ll be told that the insurer won’t provide you with cover for your pre-existing condition.

6. Why get cover if your condition is not approved?

If your condition isn’t approved it doesn’t mean you can’t get travel insurance, it just means that you won’t be covered for claims that are the result of your pre-existing condition; this is called a pre-existing condition waiver.

Even though you’re not able to take out cover for claims related to your existing condition, you’ll still be entitled to lodge claims for cancellation, lost luggage and even medical claims so long as they aren’t related to your condition.

How do I know if my condition is covered?

Insurers vary in how they cover pre-existing conditions, so never assume that you’ll be automatically covered when you buy a policy. Instead, take a look at the pre-existing medical conditions section in the PDS.

This will contain the following information:

  • A list of pre-existing conditions automatically covered by the policy, usually without requiring you to pay an additional premium
  • Information on how you can apply to have any pre-existing condition not included in that list covered by your policy

If your condition is not automatically covered, you’ll need to declare it to the insurer when you apply for cover. This can be done by filling out an online health questionnaire or answering some questions about your condition over the phone. Your insurer will then assess whether or not it will cover claims arising due to your pre-existing condition, and you will typically need to pay an additional premium for cover to apply.

Check the list below for details of conditions which are usually automatically covered, conditions which you must declare, and conditions which are usually excluded.

If your condition is not listed in the policy, you must declare it to your insurance company. The company will assess the condition and decide whether or not cover can be provided. There are some general rules around coverage of certain conditions.

The list below is of conditions generally covered automatically provided the condition has been stable for the last 12 months and there is no planned surgery for the condition.
  • Allergies
  • Asthma
  • Bell’s Palsy
  • Bunions
  • Carpal Tunnel Syndrome
  • Cataracts
  • Coeliac Disease
  • Congenital Blindness
  • Congenital Deafness
  • Diabetes Mellitus (Type I and II)
  • Dry Eye Syndrome
  • Epilepsy
  • Folate Deficiency
  • Gastric Reflux
  • Goitre
  • Glaucoma
  • Graves’ Disease
  • Hiatus Hernia
  • High Cholesterol
  • High Blood Lipids
  • Hypertension
  • Impaired Glucose Tolerance
  • Insulin Resistance
  • Iron Deficiency Anaemia
  • Macular Degeneration
  • Meniere’s Disease
  • Migraine
  • Osteopenia
  • Osteoporosis
  • Pernicious Anaemia
  • Plantar Fasciitis
  • Raynaud’s Disease
  • Sleep Apnoea
  • Solar Keratosis
  • Trigeminal Neuralgia
  • Trigger Finger
  • Vitamin B12 Deficiency.
If you suffer from any of the conditions listed below, you will be covered for any sections of the policy related to medical expenses/repatriation or trip cancellation/lost deposits.
  • Conditions where you have been given a terminal or palliative prognosis with a shortened life expectancy
  • If you require oxygen therapy or home oxygen for the journey
  • Aids defining illness
  • If you have had or are having an organ transplant in the future
If you suffer from any of the conditions listed below, you will need to declare these to your insurance company. The company will then assess the condition and determine if they can provide cover for that condition and/or journey.
  • Cardiac or heart conditions
  • Respiratory or lung conditions
  • Metastatic or secondary cancer
  • Dementia or memory loss
  • If you require the accompaniment of a full-time minder
  • Deep Vein Thrombosis
  • Heart problems (e.g. coronary angiography, pacemakers, etc)
  • Any conditions requiring surgery in the last two years
  • Certain kinds of diabetes
  • Epilepsy

Whether your insurer covers your condition will depend on its severity, how recent it is and the extent to which it is being controlled by medication.

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How to find the best travel insurance for pre-existing conditions

If you’re looking for travel insurance to cover a pre-existing condition, we can’t tell you which policy is the best choice for you. This is because the right policy depends on your cover needs, your budget and your personal situation, so the best cover for one person may be insufficient for the next traveller.

However, there are a few simple tips you can keep in mind to help you find the right policy:

  • Consider your cover needs. First and foremost, think about what you want in a policy – what are the risks you want cover for and how much protection do you want? How much are you willing to pay for cover?
  • Compare suitable policies. Once you know the type of cover you want, you can compare a range of policies from different insurers. What benefits do they offer and how high are the cover limits? What exclusions and restrictions apply?
  • Treatment of pre-existing conditions. Check the PDS of each policy you’re considering to see how the insurer treats pre-existing condition. Is your condition automatically covered? If not, what do you have to do to apply to have it covered?
  • Compare quotes. Compare quotes across the best policies to see which one offers the best value for money. Does it cost extra to have your pre-existing condition covered?

The key when buying travel insurance for pre-existing conditions is to shop around. Don’t just settle for the first policy you find; compare benefits and limits across several policies to find the cover that best suits your needs.

Travel insurance for seniors with pre-existing conditions

If you’re 60 years or older and you have one or more pre-existing conditions, finding suitable travel insurance can be something of a challenge. The good news is that it’s still possible to find cover, but there are a few key points you should be aware of when searching for the right policy:

  • Cover costs more for seniors. Unfortunately, the risk of illness and injury is higher as you age, so the cost of cover also increases as you grow older. Once you reach 60 years of age, many insurers will start applying an age loading to your policy.
  • Fewer pre-existing conditions covered. Some pre-existing conditions that are automatically covered for younger travellers may not be covered for travellers 60 years or older. For example, some insurers won’t cover seniors for claims that arise due to asthma.
  • Terms and conditions differ between insurers. Different insurers impose different restrictions and exclusions on cover for seniors with pre-existing conditions. For example, if you’ve previously suffered a stroke, some insurers will not cover you if you’ve had any incidents in the past five years, while others only require you to not have had any incidents in the past two years.
  • Age limits apply. Insurers impose maximum age limits on their policies, so you’ll need to check the fine print to make sure you’re eligible for cover. While some providers set this limit as low as 65 years of age, others will cover you up to 100 years or even older.
  • Disclose everything. Don’t be tempted to save on the cost of cover by withholding information from your insurer. Disclose all the details of your pre-existing conditions when you apply for a policy.

Check out our guide to seniors travel insurance for more information on how to find the right policy.

How is pregnancy assessed as a pre-existing condition?

Most travel insurers will cover pregnancy, providing it satisfies the following criteria:

  • Your trip ends on or before your 26th week of pregnancy
  • Claims are for unexpected complications only (not expenses related to childbirth)
  • It does not involve IVF treatment
  • It will not be a multiple birth (i.e. twins)
  • Your trip is not for fertility treatment
  • You have not experienced pregnancy complications in the past
  • You are not travelling against your doctor’s advice

As pregnancy is classed by insurers as a pre-existing condition, you will need to declare it when applying for insurance, be medically assessed and pay a higher premium, due to the higher risk you represent to the insurer.

I’m diabetic... can I get covered?

The majority of travel insurers will automatically cover diabetes, but the devil is in the detail, as each may require certain conditions to be met. For instance;

  • Even though Type 2 diabetes is a less serious form, if you have also had hypertension in the last 12 months, some insurers may exclude you from cover altogether
  • Because Type 1 diabetes requires stricter management, some insurers apply stricter cover conditions such as age limits.

The golden rule with diabetes, as with any pre-existing medical condition, is if you are unsure whether you are covered, declare it to your insurer at the time of applying. You may have to answer a few more questions and pay a higher premium, but it’s a small price to pay compared with receiving overseas medical bills that aren’t covered by your insurance.

Head here to learn more about getting cover if you're diabetic.

Some final questions you might have

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36 Responses

  1. Default Gravatar
    SueMarch 10, 2019

    By the time I travel, I’ll have had my new knees for over 10 years. Can I still be covered for these?

    • Avatarfinder Customer Care
      JhezMarch 12, 2019Staff

      Hello Sue,

      Thank you for your comment.

      Please note that there’s a possibility you might not be covered for hip & knee replacement, but they will tell you this after you have disclosed your condition and they have made an assessment.

      Travel insurance provides coverage for a wide range of scenarios. While travel insurance might not always be able to cover your hip & knee replacement, they could still offer cover for other unforeseen injuries or illnesses, such as luggage & personal effects, cancellation fees & lost deposits, and family emergency.

      If you don’t take out travel insurance you will be liable to pay all expenses that you incur when the unforeseen happens.

      It’s best that you discuss your options to the travel insurance company first before taking out one. Know your benefits.

      Regards,
      Jhezelyn

  2. Default Gravatar
    ChristineMarch 7, 2019

    Hi I have just found out my father in law is dying from cancer can I get cancellation insurance in case something happens before we go on our cruise

    • Avatarfinder Customer Care
      NikkiMarch 8, 2019Staff

      Hi Christine,

      Thanks for getting in touch! Sorry to hear about your father, this is a very difficult time. You can get cruise cover and it includes cancellation and you can find the providers here.

      As it says on the page: Like any insurance, cruise travel insurance will take care of you if you need to cancel because of a serious, unexpected event including if:

      You suffer a serious illness or injury.
      A relative, business partner or travelling companion dies unexpectedly or suffers a serious illness or injury.
      You’re made redundant at work.
      Your flight is cancelled due to severe weather and you miss your cruise departure.
      You’re called for jury duty.
      Your home is destroyed by a natural disaster.

      Even if your cruise insurance doesn’t cover your cancelled trip, you may be able to scrape back some of the cost of the cruise itself. Many cruise companies will allow you to cancel ahead of time and only pay a cancellation fee rather than the full cost of the cruise. This fee varies based on how far out you cancel.

      Cancellation policies vary between cruise lines. As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

  3. Default Gravatar
    VanessaFebruary 26, 2019

    Is there travel insurance for adrenal gland insufficiency, my husband had adrenal cancer 4 years ago but is on daily medication for cortisol (hormone replacement) and a tablet chemotherapy, but has no tumours.

    • Avatarfinder Customer Care
      NikkiFebruary 27, 2019Staff

      Hi Vanessa,

      Thanks for getting in touch! Your husband may view and apply travel insurance for pre-existing medical conditions and you can find this information above. To find out if a provider will insure your husband for adrenal gland insufficiency, you must get in touch with the insurer. You’ll also find the steps as stated above helpful in finding one.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

  4. Default Gravatar
    joseJanuary 14, 2019

    Is there an insurance that covers heart and double lungs transplant?

    • Avatarfinder Customer Care
      JhezJanuary 16, 2019Staff

      Hello Jose,

      Thank you for your comment.

      Although we have no specific page for insurance providers that cover both heart and lung conditions, you can check our guide above for the brands that cover pre-existing medical conditions. Basically, an organ transplant is not covered so best to discuss with your preferred brand about the cover for a lung transplant.

      Meanwhile, you may also want to check our guide on travel insurance for heart conditions here. You can get quotes from the insurers listed on the table or contact them if you like to discuss your options.

      You can get a quote directly from the list of insurers that we have on the table by clicking the Get Quote button. Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  5. Default Gravatar
    rajgSeptember 25, 2018

    Is there a travel insurance policy that covers pulmonary fibrosis for a person who is 74 years old?

    • Avatarfinder Customer Care
      JeniSeptember 25, 2018Staff

      Hi Rajg,

      Thank you for getting in touch with finder.

      Currently we have a page that explains more on Travel insurance for Cystic Fibrosis and would still help you in finding an insurer to cover a someone traveling with pulmonary fibrosis.

      I suggest that you check all the options on this PAGE since you mentioned that the person travelling is 74 years old. Basically, the traveller needs to answer the insurer’s online/phone medical questionnaire to know whether the pre-existing condition will be covered or not. Please note that getting cover will depend on person’s age, the type of travel insurance, and the nature and severity of their pre-existing medical condition.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  6. Default Gravatar
    TinaSeptember 7, 2017

    Travel insurance which covers pre-existing medical conditions such as kidney stones and crohn’s disease.

    • Default Gravatar
      GruSeptember 8, 2017

      Hello Tina,

      The pre-existing conditions such as Kidney Stones and Crohn’s Disease are not included in the list of conditions that are generally covered by travel insurance. However, they are also not included in the list of those excluded.

      To be safe, as we are dealing with something extremely important such as your health, it would be best to contact the insurance provider you are interested in. The company will assess the condition and decide whether or not cover can be provided.

      Hope this helped.

      Cheers,
      Gru

  7. Default Gravatar
    July 27, 2017

    I want cover for Fibromyalgia and Psoriatic arthritis

    • Default Gravatar
      LiezlJuly 27, 2017

      Hi Carolyn,

      Thanks for reaching out. Just to confirm, you have reached finder.com.au, a comparison website and general information service, not actually an insurer.

      While we are unable to recommend a specific insurance company that will provide cover for your condition, you may want to contact directly with the insurers listed above to find out whether or not they can provide you a cover. Please note that terms and conditions vary extensively among companies hence, it is crucial that you declare any medical conditions that are not automatically covered at the time of application.

      Additionally, you may want to check InsureandGo as they do not automatically exclude any conditions and claim to assess all conditions on a case-by-case basis. Also, CoverMore might be able to cover you for an additional premium, subject to the outcome of a short medical assessment.

      I hope this has helped.

      Cheers,
      Liezl

  8. Default Gravatar
    SaphireMarch 7, 2017

    Hi, my daughter has Evan’s syndrome.. what travel insurance will cover that and what is included please.

    • Avatarfinder Customer Care
      ZubairMarch 9, 2017Staff

      Hi Saphire,

      Thank you for your question.

      Unfortunately, we are not able to recommend a specific provider that will provide cover for your condition. You will need to disclose the pre-existing condition prior to purchase the cover. However, there are two providers in our panel who state they will consider all the pre-existing medical conditions:

      InsureandGo do not automatically exclude any conditions and claim to assess all conditions on a case-by-case basis.
      CoverMoreCoverMore may be able to cover you for an additional premium, subject to the outcome of a short medical assessment.

      Cheers,
      Zubair

  9. Default Gravatar
    SusanFebruary 19, 2017

    My spine was fused T2 to sacrum 5 years ago. I am 69. Can
    I want to travel to uk for a month in March 2017. What are my options for travel insurance?

    • Avatarfinder Customer Care
      ZubairFebruary 20, 2017Staff

      Hi Susan,

      Thank you for your inquiry.

      Unfortunately, we are not able to recommend a specific provider that will provide cover for your condition. You will need to disclose the pre-existing condition prior to purchase the cover. There are two providers in our panel that can count all the pre-existing medical conditions:

      InsureandGo do not automatically exclude any conditions and claim to assess all conditions on a case-by-case basis.
      CoverMoreCoverMore may be able to cover you for an additional premium, subject to the outcome of a short medical assessment.

      Cheers,
      Zubair

  10. Default Gravatar
    JayneJuly 11, 2016

    10th July 2016

    To whom it may concern,
    My husband and I are travelling to Vietnam departing Melbourne to Ho Chi Minh.
    My husband had spinal surgery on April 23rd 2016 for an acute lumbar disc prolapse. He had an elective L4 – 5 spinal fusion, L4 discectomy and bone graft.
    He has recovered well and returned to normal working duties fulltime on June 3rd 2016.
    He has no ongoing symptoms and does not take opiates or drugs of addiction for pain.
    He takes non-steroidal anti-inflammatory medication and Panadol.
    Please advise what further info you provide and could you please provide a quote.
    I am 55 and my husband is 68.

    Jayne

    • Avatarfinder Customer Care
      RichardJuly 11, 2016Staff

      Hi Jayne,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. While you can compare quotes on our site, we are unable to take into account pre-existing medical conditions as these are assessed on a case-by-case basis by the insurance brand. However, you may find our travel insurance for back problems article a useful starting point for finding cover.

      I hope this was helpful,
      Richard

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