All Clear Travel Insurance covers a range of pre-existing medical conditions, including:
- Cardiac conditions such as high blood pressure, atrial fibrillation and heart conditions
- Respiratory conditions such as asthma, COPD and lung diseases
- Diabetes
- Stroke
- Mental health conditions such as depression and anxiety
- Chronic conditions such as cancer, Crohn’s disease and epilepsy
It includes the following medical related features:
- 24-hour medical emergency helpline
- Up to unlimited medical emergency expenses cover
- Up to $1,000 “medical inconvenience” benefit for when you are in hospital as an in-patient
my wife and i both have elderly mothers, mine 91 and in aged care with dementia, generally in good physical health but obviously deteriating due to her dementia, and my wife’s mum is 83, is on diaylsis but in a stable condition been monitored and generally doing okay. we are both worried about travelling and needing to come back despite both been stable as they do have these pre existing conditions. We are looking to going to Germany for 3 weeks prior to Xmas. What should we lok for in the policies and do we need to call the insurer prior to inform them or are they uninsurable given there ages and conditions?
Hi Robert,
Age limits and pre-existing condition coverage are the two main things you want to look for when comparing travel insurance policies.
Many insurers provide coverage for travelers up to the age of 99, however, not many cover dementia and ones that do often require a medical screening first before approving coverage. Dialysis is considered pre-existing condition and it is up to the insurer’s discretion as to whether coverage will be approved. Both will need to be disclosed to the insurer when seeking coverage. It’s best to get in touch with your chosen insurer to confirm coverage for both mothers.
If you’re looking to compare travel insurance policies that covers seniors, feel free to check out our Seniors travel insurance page. I hope this helps!
Ceyda
I am 84 and had a coronial angiplasty procedure in 2001 where a stent was inserted.
I have not had the slighest problem since then and am very active with regular daily walking.
I plan on doing a european river cruise on 26/10 to 13/11/25.
Do I need to have this included with any travel insurance I take out?
thank you
William Taylor
Hi William,
Even though it was back in 2001 and you’ve had no issues since, most travel insurers will still require you to declare any history of cardiovascular conditions (including angioplasty or stent insertion), especially if you’re over a certain age (often 65 or 70). If you don’t declare your pre-existing medical condition, and you have any kind of heart-related issue while overseas (even something minor) it might not be covered, which could leave you with large out-of-pocket expenses. Hope this helps and enjoy your cruise!
I have been skiing in Australia and overseas for many years with osteoporosis.
I have had no hospital visits or fractures in the last 5+years.
Is there a travel insurance company that will insure me for winter sports (including skiing).
Hi Megan, As the guide notes, many insurers will cover osteoporosis as a pre-existing condition provided it is declared and the condition is stable with no surgery planned. Coverage for winter sports usually requires a comprehensive policy and payment of an additional supplement; you can read more in our detailed ski insurance guide. Before picking a provider, carefully read the policy to see what the exclusions are.
By the time I travel, I’ll have had my new knees for over 10 years. Can I still be covered for these?
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
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
Hi Christine,
Thanks for getting in touch! Sorry to hear about your father, this is a very difficult time. You can get a cruise travel insurance that includes cancellation.
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:
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