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.
When declaring your history, you should be aware of standardized disclosure timeframe requirements. According to 1Cover and Smartraveller, most insurers require you to disclose any medical or mental health conditions you have seen a doctor or dentist for in the 12 months prior to purchasing your policy. However, some providers like Fast Cover may require a history spanning the last 3 years, and certain serious conditions (such as cancer or heart surgery) often require disclosure regardless of how long ago they occurred (Sources: 1Cover, Smartraveller, Wise).
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
The insurer-specific medical assessment process usually involves a digital screening questionnaire during the application. According to nib and InsureandGo, this assessment typically takes between 2 and 10 minutes. You will be asked targeted questions about your specific condition: including the age you were diagnosed, medications you currently take, and any recent hospitalisations or changes in treatment. This screening allows the insurer to provide an instant decision on whether cover can be offered and what additional premium may apply (Sources: nib, InsureandGo, CGU).
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
There are also strict policy exclusions for travelling against medical advice. Insurers will not pay for any claims if a qualified medical practitioner has advised you not to travel, or if the primary purpose of your trip is to seek medical treatment (such as elective surgery or dental procedures abroad). Furthermore, cover is typically void if you fail to follow recommended medical investigations or treatments before your departure (Sources: InsureandGo, Medical Travel Shield Australia).
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.
To navigate your application successfully, it is essential to understand detailed terminology definitions for pre-existing medical conditions (PEMC). A PEMC is generally defined as any sickness, injury, or disability that you were aware of (or a reasonable person could be expected to be aware of) prior to the policy issue date. This includes conditions that manifested symptoms, required prescribed medication, or were treated by a medical practitioner. Insurers also include undiagnosed symptoms that are currently under investigation: such as unexplained chest pain or awaiting blood test results (Sources: Qantas Insurance, Australian Unity, nib).
Guidelines for Disclosing Chronic vs. Acute Conditions*
Applicants must follow specific guidelines for disclosing chronic vs. acute conditions. Chronic conditions (such as diabetes or diverticulitis) are ongoing and typically must be declared if they have been active or required medication within the insurer's disclosure window (usually 60 to 180 days). Acute conditions (such as a recent infection or a broken bone) are often considered pre-existing if they occurred shortly before travel and have not yet fully resolved without ongoing treatment or residual issues (Sources: nib, Money magazine).
Frequently asked questions
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.
Obtaining medical clearance from specialists involves several steps. First, schedule an appointment with your GP or specialist to discuss your travel plans. Second, request a 'Physician's Letter' that outlines your condition, medications, and any required equipment. Third, if your airline or insurer requires it, have the specialist complete a specific medical clearance form (such as the Qantas or Virgin Australia Medical Clearance Guidelines). Finally, ensure the documentation is dated within the required timeframe (often 10 days of departure) and submit it to your travel provider for review (Sources: St Vincent's Heart Health, Virgin Australia, Doccy).
A seasoned journalist with over 10 years of experience in news, politics and finance reporting, Tim has previously held roles at the ABC, SBS and Fairfax Media. Tim’s expert insights have been quoted in The Australian, The Daily Telegraph, The Courier Mail and more. He regularly appears on TV and radio, and has been interviewed on 7 News, Sunrise, SBS News, ABC Local, 3AW and 5AA. Tim is passionate about simplifying complex insurance topics for Australian consumers. He holds a Bachelor of Arts (Politics) from Macquarie University and a Tier 1 General Insurance (General Advice) certification, which meets the requirements of ASIC Regulatory Guide 146 (RG146).
If you’re interested in a media interview with Tim, please reach out to our PR team at aupr@finder.com.
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Hi, my daughter has Evan’s syndrome.. what travel insurance will cover that and what is included please.
Finder
ZubairMarch 9, 2017Finder
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.
– CoverMore may be able to cover you for an additional premium, subject to the outcome of a short medical assessment.
Cheers,
Zubair
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?
Finder
ZubairFebruary 20, 2017Finder
Hi Susan,
Thank you for your inquiry. I’m sorry to hear about your spine.
Unfortunately, we are not able to recommend a specific provider that will offer cover for your condition. However, what you can do instead is to check the list of insurers featured on this page. These insurers are known to cover pre-existing conditions. So, please feel free to explore them.
In the meantime, you might also want to check InsureandGo as they don’t automatically exclude any conditions and claim to assess all conditions on a case-by-case basis. Another insurer you may consider is CoverMore as they may be able to cover you for an additional premium, subject to the outcome of a short medical assessment.
While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Zubair
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
Finder
RichardJuly 11, 2016Finder
Hi Jayne,
Thanks for your question.
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 article about back problems a useful starting point for finding cover.
I hope this was helpful,
Richard
AnilMarch 27, 2016
My cousin had ovarian cancer in past. She completed her treatment in October 2015. She is free from that disease. Her doctor advised she can travel to Australia. My question is still she can get the insurance. Travel insurance that covers pre existing medical conditions.
Finder
RichardMarch 27, 2016Finder
Hi Anil,
Thanks for your question.
Whether or not a travel insurance brand will provide your cousin with cover will depend on the severity of the condition and the insurer. Some insurers may be able to provide her with cover. However, cover is provided on a case by case basis. You may find our guide on travel insurance for cancer patientsuseful.
I hope this was helpful,
Richard
tataAugust 17, 2015
I had my medical exam for our US travel and had flu and chills that time. Result shows in my ekg that i had sinus rhythm and poor R wave progression of which I am not aware.I am an active person, I do running and exercise and i do not take any medication. I purchased an insurance lately for our travel. In the assessment, I was diagnosed that I have a pre-existing condition. Can I get an insurance to cover my pre-existing condition. Thank you.
Finder
RichardAugust 18, 2015Finder
Hi Tata,
Thanks for your question. You may be able to get cover, as this condition may not be automatically excluded. However, acceptance criteria varies from insurer to insurer. You should contact you current provider and see if they assessed this condition when you applied as you may already have cover.
Can someone with Alzheimer's get travel insurance? This guide looks at purchasing cover for dementia and provides tips for travelling with a dementia sufferer.
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.
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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Hi, my daughter has Evan’s syndrome.. what travel insurance will cover that and what is included please.
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.
– CoverMore may be able to cover you for an additional premium, subject to the outcome of a short medical assessment.
Cheers,
Zubair
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?
Hi Susan,
Thank you for your inquiry. I’m sorry to hear about your spine.
Unfortunately, we are not able to recommend a specific provider that will offer cover for your condition. However, what you can do instead is to check the list of insurers featured on this page. These insurers are known to cover pre-existing conditions. So, please feel free to explore them.
In the meantime, you might also want to check InsureandGo as they don’t automatically exclude any conditions and claim to assess all conditions on a case-by-case basis. Another insurer you may consider is CoverMore as they may be able to cover you for an additional premium, subject to the outcome of a short medical assessment.
While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Zubair
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
Hi Jayne,
Thanks for your question.
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 article about back problems a useful starting point for finding cover.
I hope this was helpful,
Richard
My cousin had ovarian cancer in past. She completed her treatment in October 2015. She is free from that disease. Her doctor advised she can travel to Australia. My question is still she can get the insurance. Travel insurance that covers pre existing medical conditions.
Hi Anil,
Thanks for your question.
Whether or not a travel insurance brand will provide your cousin with cover will depend on the severity of the condition and the insurer. Some insurers may be able to provide her with cover. However, cover is provided on a case by case basis. You may find our guide on travel insurance for cancer patientsuseful.
I hope this was helpful,
Richard
I had my medical exam for our US travel and had flu and chills that time. Result shows in my ekg that i had sinus rhythm and poor R wave progression of which I am not aware.I am an active person, I do running and exercise and i do not take any medication. I purchased an insurance lately for our travel. In the assessment, I was diagnosed that I have a pre-existing condition. Can I get an insurance to cover my pre-existing condition. Thank you.
Hi Tata,
Thanks for your question. You may be able to get cover, as this condition may not be automatically excluded. However, acceptance criteria varies from insurer to insurer. You should contact you current provider and see if they assessed this condition when you applied as you may already have cover.
I hope this was helpful,
Richard