Cover for existing medical conditions

Medical screenings are available across all international and domestic plans and provide an opportunity for people to experience the world more safely.

We can assess more than 3,000 existing medical conditions quickly and objectively. Any additional premium for medical cover can be processed immediately online or over the phone with no delay, paperwork or referral.

You can complete multiple medical screenings for all travellers on one policy.

We recognise that many people who wish to travel do not enjoy perfect health. Most, if not all travel insurance policies, exclude many existing medical conditions unless you declare them and failure to do so can make that policy void or result in only partial payment or even non-payment of any claim.

Frequently Asked Questions

What is an existing medical condition?

An existing medical condition is one for which:
at the time you buy your policy is:
- chronic; or
displaying symptoms; or
under investigation; or
pending follow-up consultation, treatment or surgery; or where these are recommended or planned; or
metastatic; or
terminal; or

in the six months prior to the time you buy your policy there has been:
- treatment by a medical practitioner; or
medication prescribed; or

This definition of existing medical condition applies to you where, at the time you buy your policy, you or a reasonable person in the same position could be expected to have been aware of the condition. It also applies to claims you make that arise from the existing medical condition(s) of your travelling party, a close relative, and your business partner.

Getting cover for existing medical conditions

A number of common medical conditions are automatically covered as part of our standard cover. These can be found on our list of Automatically accepted conditions. Customers whose existing medical condition appears on this list, and who meet the criteria for that condition, are covered for events arising from that condition as part of our standard cover.

If your existing medical condition isn’t automatically covered, in many cases you’ll be able to get optional cover by applying to add them as a specified medical condition when you buy a policy.

Adding a specified medical condition (optional cover)

If you want to apply for cover for existing medical conditions that are not automatically covered, make sure you let us know at the time you buy your policy and complete a medical screening. We will ask you questions about your health and determine if we can offer you cover, and if so, on what terms.

We are often able to offer cover for your existing medical condition for an additional premium. If you choose to pay the additional premium, the condition becomes a specified medical condition covered under your policy, and the premium and any additional excess will be shown on your Certificate of Insurance. You’ll then be covered under events that arise from that specified medical condition.

We offer medical screenings over the phone or via a simple online self-assessment, where you can enter your existing medical conditions and answer a few questions to find out straight away whether we can provide cover and on what terms.

Which of my conditions do I need to screen?

All existing medical conditions that are not listed as automatically covered must be screened before you can purchase. After we screen your conditions, we will then determine if the condition can be added to your policy as a Specified medical condition and let you know the additional premium that applies, then you can choose to opt in or out of the cover offered.

If you choose not to purchase any additional cover we offer to you for your existing medical conditions, you won't be covered for any claims that arise from those conditions.

Missed your check-up?

If you received medical advice within the last three years that you should have had a review, follow-up consultation or treatment for a medical condition – and if you didn’t get the review, consultation or treatment – we‘ll classify it as an existing medical condition.