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Mental health travel insurance

Travel insurance for mental health issues isn't always easy to find, but we can try to help.

What you need to know

  • We have researched over 25 travel insurance brands to find which ones provide mental health travel insurance.
  • It is possible to get cover for a variety of conditions including depression, schizophrenia, bipolar disorder, anxiety and stress.
  • Some companies will offer cover by assessment for mental health issues.

How do travel insurance brands treat mental health?

BrandConditionsApply
Medibank Travel InsuranceClaims which in any way relate to, or are exacerbated by, an Existing Medical Condition or related new infections are specifically excluded from this policy unless Your Existing Medical Condition is approved by Us.
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Freely LogoExisting Medical Conditions We automatically include:
  • Anxiety and Depression
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Zoom logoTo the extent permitted by law we will not pay under any circumstance if:
  • Your claim arises from, is related to or associated with any Pre-Existing Medical Condition, except as provided under the section titled Pre-existing Medical Conditions.
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Fast Cover LogoWe will not pay As a result of mental illness (including depression, anxiety, stress, mental or nervous conditions) suffered by you, a close relative or another person unless:
  • a mental illness diagnosis has been made by a psychiatrist or psychologist that is a registered and certified mental health professional; and
  • the registered psychiatrist or psychologist certifies that the mental illness prevents you from starting or finishing your trip; and
  • the mental illness has first occurred or first manifested during your Period of Insurance
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Insure4Less Travel Insurance LogoWe are not liable for any claim arising out of or related to:
  • Anxiety, depression, mental illness or stress suffered by you, a relative or another person unless referred to and diagnosed by a registered psychiatrist or psychologist as a new condition.
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Travel Insuranz Travel Insurance LogoWe are not liable for any claim arising out of or related to:
  • Anxiety, depression, mental Illness or stress suffered by You, a Relative or another person or referred to and diagnosed by a registered psychiatrist or psychologist as a new condition.
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insureandgoWhat you are not covered for:
You, or any insured person on your policy, has, in the 5 years prior to the policy issue date, suffered from or received medical advice, treatment or medication for:any psychiatric or psychological condition (including anxiety or depression).
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Tick LogoAny claim arising from any of the following: (This is unless you have told Tick Travel Insurance about your condition and we have accepted it.)
You, or any insured person on your policy, has, in the 5 years prior to the policy issue date, suffered from or received medical advice, treatment or medication for:- any psychiatric or psychological condition (including anxiety or depression);
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World2Cover LogoWe will not cover any claim arising from or related to the following:
  • Any medical condition related to or associated with any Pre-Existing Medical Conditions, except as provided for under the section "Pre-Existing Medical Conditions".
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Covermore logoClaims which in any way relate to, or are exacerbated by, an Existing Medical Condition or related new infections are specifically excluded from this policy unless Your Existing Medical Condition is approved by Us.
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Southern Cross LogoSCTIWe won't cover any claims, costs or losses or liabilities directly or indirectly arising from, related to or associated with the following:
  • Any pre-existing medical condition, whether it's diagnosed or undiagnosed.
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Stella travel insurance logoExisting Medical Conditions We automatically include:
  • Anxiety and Depression
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Australia PostExisting Medical Conditions We automatically include:
  • Anxiety and Depression
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Travel with Kit LogoWe do not offer cover for the following Pre-Existing Medical Conditions if You:
have a mental illness as defined by DSM-IV including:
  • dementia, depression, anxiety, stress or other nervous condition; or
  • behavioural diagnoses such as but not limited to autism; or
  • a therapeutic or illicit drug or alcohol addiction.
More info
Travel with Jane LogoWe do not offer cover for the following Pre-Existing Medical Conditions if You:
have a mental illness as defined by DSM-IV including:
  • dementia, depression, anxiety, stress or other nervous condition; or
  • behavioural diagnoses such as but not limited to autism; or
  • a therapeutic or illicit drug or alcohol addiction.
More info
Travel Insurance SaverWe will not cover any of the following:
  • A loss arising from any existing medical condition of you, a member of the travelling party, a non-travelling close relative or business partner. This exclusion will not apply to your specified medical condition(s) or to your Automatically covered conditions.
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Easy travel insurance logoClaims which in any way relate to, or are exacerbated by, an Existing Medical Condition or related new infections are specifically excluded from this policy unless Your Existing Medical Condition is approved by Us.
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To the extent permissible by law, We will not pay if:
  • Your claim Arises from, is related to or associated with any Pre Existing Medical Condition(s), except as provided under the Pre Existing Medical Condition(s) section
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We will not cover losses, pay or reimburse any costs, under any section of this Policy which are recoverable from any other source, or arising from:
  • any Pre-existing Medical Conditions
More info
Claims which in any way relate to, or are exacerbated by, an Existing Medical Condition or related new infections are specifically excluded from this policy unless Your Existing Medical Condition is approved by Us.More info
What we don't cover unless your policy specifically allows it:
  • Your claim arises from a pre-existing medical condition of you, or your travel companion, or a relative.
More info

Note: This information was last updated September 2023

What is a pre-existing medical condition?

A pre-existing medical condition is usually any medical condition that you're aware of, take medication for, or have taken medication for in the past.

Finder survey: Which pre-existing medical conditions do Australians have?

ResponseFemaleMale
Mental health conditions17.29%6.17%
Source: Finder survey by Pure Profile of 1112 Australians, December 2023

How to apply for cover

If you're looking for travel insurance for mental health, one of the first places you might check is the product disclosure statement (PDS) of different products or insurers, where the conditions relating to pre-existing medical conditions can often be found.

While many pre-existing mental health conditions are not covered under any circumstances, some can be, such as anxiety and depression. They often require further assessment prior to the issue of a policy. This usually means you can get cover by undergoing an assessment and paying an additional premium.

If there is no mention of your condition in the PDS, you still need to disclose it to the insurer. They may agree to cover you but not for claims related to your condition. In some rarer cases, they may refuse to cover you at all.

How much does it cost?

Those insurers who do cover mental health will typically charge a higher premium, due to the higher perceived risk. But no two premiums are the same and how much you might pay can depend on the insurer, the type and severity of your mental illness and the usual factors that determine the cost of travel insurance which include:

  • The level of cover you choose (benefit amounts etc)
  • The options you select
  • The destination you are travelling to
  • Your age and general health

What does travel insurance cover?

Hospital

24/7 medical assistance

Most comprehensive travel insurance policies cover you for unlimited medical expenses and 24/7 medical care, including repatriation.

Plane icon

Delays and cancellations

Comprehensive travel insurance can cover you for cancelled or delayed flights. This is the most common reason for claims. According to Finder research, 29% of Australians, equivalent to around 5.8 million people, have had their flight delayed or cancelled in the last 12 months.

Coronavirus

COVID-19 expenses

Comprehensive travel insurance policies now cover COVID. This includes medical expenses, cancellations and rearrangement costs.

Lost luggage

Luggage and personal belongings

Unlike a basic policy, comprehensive policies typically cover lost and delayed luggage and personal items. They also come with high limits so it can cover all of your expenses.

Why you can trust Finder's travel insurance experts

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We're free

Our travel insurance engine is completely free to use. You pay the same as buying directly from the insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
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We're experts

We've researched and reviewed almost every travel insurer on the market as part of our Finder Awards and our in-house experts regularly appear on Sunrise, 7News and various news publications.
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We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of travel insurance brands, making it easier for you to find a good deal.
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We're here to help

Since 2014, we've helped over one million people find travel insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

Frequently asked questions about annual travel insurance

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