Mental health travel insurance

How do travel insurance brands treat mental health?

Brand	Conditions	Apply
	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.	Bonus Get quote
	Existing Medical Conditions We automatically include: Anxiety and Depression	Bonus Get quote
	To the extent permitted by law, we will not pay under any circumstances if your claim arises from, is related to, or associated with: Any Pre-existing medical condition(s), except as specified under Pre-existing medical condition(s).	Get quote
	We do not cover any claims under the policy benefits arising from any medical condition	Finder AwardBonus Get quote
	We 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.	Get quote
	We 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.	Get quote
	You, or any insured person on your policy has, in the last 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).	Bonus Get quote
	Claims arising from any of the following conditions if you or any insured person on your policy: a) 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)	Finder AwardBonus Get quote
	We will not cover any claim arising from or related to the following: To the extent permitted by law, any existing medical condition that is not an existing medical condition we automatically cover, or that is otherwise approved by us and shown on your certificate of insurance.	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.	Bonus Get quote
	We won't cover any claims, costs or losses or liabilities directly or indirectly arising from, related to or associated with the following. An illness	Finder Award Get quote
	Existing Medical Conditions We automatically include: Anxiety and Depression	Get quote
	Existing Medical Conditions We automatically include: Anxiety and Depression	Get quote
	We 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 (i.e. not a Pre- existing Medical Condition)	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.	Get quote
	To the extent permitted by law, we will not pay under any circumstances if your claim arises from, is related to, or associated with any pre-existing medical condition(s), except as specified under pre-existing medical condition(s).	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 April 2025}

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

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.

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?

24/7 medical assistance

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

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.

COVID-19 expenses

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

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.

• Full list of what travel insurance can cover

  • Accidental death
  • Overseas emergency dental expenses
  • Hospital cash allowance
  • Loss of income
  • Overseas emergency assistance
  • Unlimited medical and hospital expenses
  • Permanent disability
  • Resumption of journey
  • Alternative transport for special events
  • Cancellation and amendment fees
  • Travel delay expenses
  • Daily delayed luggage allowance
  • Lost or stolen luggage and personal belongings
  • Theft of cash
  • Personal liability
  • Rental car excess insurance
  • COVID-19 medical expenses
  • Rearrangement costs if you get COVID-19

Frequently asked questions about annual travel insurance

• Is mental health covered in travel insurance?

  Yes. You can get travel insurance but it will typically cost you more to be covered for mental health conditions. In some cases, your condition won't be covered at all but you can still purchase travel insurance.

• Can I get travel insurance if I have depression?

  Yes. We found over 7 travel insurers that can cover you if you suffer from depression. You will need to declare that you have depression on your policy to ensure that you're fully covered when you travel.

• Can you get travel insurance with anxiety?

  Yes. We found over 7 travel insurers that can cover you if you suffer from anxiety. You will need to declare that you have anxiety when you get a quote to ensure that you're fully covered when you travel.

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 615 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living