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, in the three years prior to policy purchase, you have:

  • had symptoms or been diagnosed;
  • been prescribed medication;
  • received (or are waiting for) medical treatment;
  • received (or are waiting for) tests, investigations or specialist consultation;
  • received or been advised to attend a follow-up consultation; and/or
  • had surgery or attended a hospital or clinic (as an outpatient or inpatient).

It also includes any chronic or ongoing medical condition or terminal illness.

This definition applies to you, your travelling companion, a close relative, someone at home and any other person.

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.

Medical conditions that must always be screened

If you have ever had any of the following medical conditions, you must have a medical screening before or at the time the policy is purchased. We will then determine if the condition can be added to the policy and covered as a specified medical condition:

  • heart conditions - cardiovascular/coronary heart disease;
  • respiratory conditions (except asthma and/or sleep apnoea providing you meet the criteria to be automatically covered);
  • chronic kidney disease;
  • conditions involving the neck or back;
  • cancer which has metastasised (the process by which cancer spreads from the place at which it first arose as a primary tumour to distant locations in the body);
  • immune system deficiencies/reduced immunity; or
  • any terminal illness.

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.