Pre-existing medical conditions are health issues you have before you buy travel insurance.
Some conditions are coverd automatically, some for an extra fee, and others can't be covered.
You must declare pre-existing conditions when you buy insurance, or you risk not being covered.
How do I get travel insurance for pre-existing conditions in Ausrtalia?
Here are the steps to get travel insurance for pre-existing conditions in Australia:
Compare policies: Compare policies from multiple providers to find the best coverage for your needs. Look for policies that specifically cover your condition, and make sure you read the policy wording carefully.
Declare your pre-existing medical condition: When applying for travel insurance, declare any pre-existing medical conditions you have. The insurer will let you know if your condition is covered, if it will cost you more, or if you need to apply for a pre-existing medical condition waiver.
Apply for a pre-existing medical condition waiver: If required, apply for a pre-existing medical condition waiver with your insurer.
It's important to note that most travel insurance policies do not automatically cover pre-existing conditions, and some insurers may exclude them altogether. Therefore, it's crucial to declare all medical conditions when applying for travel insurance and read the policy wording carefully to understand what is covered and what is not.
All Clear Travel Insurance
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
Pre-existing conditions typically covered automatically
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
Type 1 or 2 Diabetes
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
Pre-existing conditions you must declare
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. 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. The cost of your policy may increase as a result.
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
Any conditions requiring surgery in the last two years
Certain kinds of diabetes
Epilepsy
Pre-existing conditions typically not covered
If you suffer from any of the conditions listed below, you won't 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
Travel insurance for specific pre-existing conditions
Each pre-existing conditions is likely to be treated slightly different. Some conditions are simple and straightforward, and all travel insurance treat them similarly. However, some more complex or serious conditions are treated very differently based on which travel insurance company you use. You cover can also vary based on the nature of your specific medical history.
To learn more about different pre-existing conditions, check out the links below. But remember, the best way to understand your travel insurance situation is to start the comparison and quote process.
A pre-existing medical condition is a health condition that existed before you purchased your travel insurance policy. This can include chronic illnesses, such as diabetes or heart disease, as well as any medical conditions that you have received treatment for in the past.
Pregnancy related medical costs can be covered by some travel insurance policies. Our comparison tool above has a specific filter to look for travel insurance that includes it. Generally you can be covered up to a certain number of weeks, eg 30. Learn more by reading out guide to pregnancy and travel insurance.
Yes, you can still get travel insurance if you have a pre-existing medical condition. However, it's important to note that most travel insurance policies do not automatically cover pre-existing conditions. You may need to purchase a policy that specifically covers your condition, or apply for a pre-existing medical condition waiver. It's important to read the policy wording carefully and disclose all of your medical conditions when applying for travel insurance.
Travel insurance with pre-existing medical conditions can cover a range of things, including medical expenses related to your pre-existing condition, trip cancellations or interruptions due to your condition, and emergency medical evacuations. The coverage will depend on the specific policy you purchase and the severity of your condition.
When choosing a travel insurance policy for your pre-existing medical condition, it's important to compare policies from multiple providers to find the best coverage for your needs. Look for policies that specifically cover your condition, and make sure you disclose all of your medical conditions when applying. You should also consider factors such as the policy cost, coverage limits, and any exclusions or restrictions that may apply.
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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.
NikkiFebruary 27, 2019
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
JoseJanuary 14, 2019
Is there an insurance that covers heart and double lungs transplant?
Finder
JhezelynJanuary 16, 2019Finder
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 covering 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. 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 chatbox on the lower right corner of our page.
Regards,
Jhezelyn
RajgSeptember 25, 2018
Is there a travel insurance policy that covers pulmonary fibrosis for a person who is 74 years old?
Finder
JeniSeptember 25, 2018Finder
Hi Rajg,
Thank you for getting in touch with Finder.
Currently we have a page that explains more on travel insurance for Cystic Fibrosis. Our page can help in finding an insurer to cover someone traveling with pulmonary fibrosis.
You can also enter your travel details from our senior travel insurance form 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
TinaSeptember 7, 2017
Travel insurance which covers pre-existing medical conditions such as kidney stones and crohn’s disease.
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
CarolynJuly 27, 2017
I want cover for Fibromyalgia and Psoriatic arthritis
LiezlJuly 27, 2017
Hi Carolyn,
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.
Most insurers cover Epilepsy as a pre-existing medical condition however you must ensure that the variant of Epilepsy is covered by your policy. Read more.
Suffer from asthma and need travel insurance? It’s often easier than you think, provided you meet certain criteria and tell your insurer about your condition.
This guide looks at mental illness, how insurers treat this pre-existing medical condition and provides tips on where to get insurance cover and advice.
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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.
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
Is there an insurance that covers heart and double lungs transplant?
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 covering 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. 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 chatbox on the lower right corner of our page.
Regards,
Jhezelyn
Is there a travel insurance policy that covers pulmonary fibrosis for a person who is 74 years old?
Hi Rajg,
Thank you for getting in touch with Finder.
Currently we have a page that explains more on travel insurance for Cystic Fibrosis. Our page can help in finding an insurer to cover someone traveling with pulmonary fibrosis.
You can also enter your travel details from our senior travel insurance form 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
Travel insurance which covers pre-existing medical conditions such as kidney stones and crohn’s disease.
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
I want cover for Fibromyalgia and Psoriatic arthritis
Hi Carolyn,
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