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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.

Name Product AUFTI Rearrangement costs if you get COVID-19 Theft or damage to luggage Rental car excess insurance Standard excess
Kogan Domestic Travel Insurance
  • $6,000
$10,000
  • $25
⭐Finder Exclusive: Get 12% off your travel insurance policies with Kogan. Use promo code: KOGAN12. T&Cs apply.
Qantas Australian Comprehensive
  • $5,000
$8,000
  • $0
This is a summary of cover only. Sub-limits and time limits apply. Please read the PDS for full terms, conditions, limits and exclusions.

Earn up to 10,000 Qantas Points with every Qantas Travel Insurance policy you take out by 26 November. T&Cs apply.
Zoom Domestic Travel Insurance
  • $7,500
$8,000
  • $200
Travel Insurance Saver Australian Travel
  • $4,000
$5,000
  • $100
Travel Insurance Saver Cancellation and Additional Expenses
  • $0
No Cover
  • $0
InsureandGo Bare Essentials Domestic
  • $2,000
No Cover
  • $100
Save 10%on InsureandGo policies with Finder. Use promo code: Finder10
InsureandGo Silver Domestic
  • $5,000
$4,000
  • $100
Save 10%on InsureandGo policies with Finder. Use promo code: Finder10
InsureandGo Gold Domestic
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InsureandGo Gold Domestic
  • $8,000
$7,500
  • $100
Save 10%on InsureandGo policies with Finder. Use promo code: Finder10
Tick Basic Domestic Travel Insurance
  • $2,000
No Cover
  • $200
Save 10% on travel insurance with Tick. Use promo code: Finder. Ts&Cs apply.
Tick Standard Domestic Travel Insurance
  • $3,000
$2,000
  • $200
Save 10% on travel insurance with Tick. Use promo code: Finder. Ts&Cs apply.
Tick Top Domestic Travel Insurance
  • $7,500
$4,000
  • $200
Save 10% on travel insurance with Tick. Use promo code: Finder. Ts&Cs apply.
Fast Cover Domestic Plus Travel Insurance
Optional
  • $7,500
$5,000
  • $200
Cover-More Domestic Basic Travel Insurance
  • $0
No Cover
  • $50
Cover-More Domestic Comprehensive Travel Insurance
  • $5,000
$5,000
  • $50
Cover-More Domestic Comprehensive+ Travel Insurance
  • $15,000
$5,000
  • $50
World2cover Domestic Travel Insurance
  • $7,500
$5,000
  • $200
Easy Domestic Cancellation Travel Insurance
  • $0
No Cover
  • $25
Australia Post Domestic Travel Insurance
  • $6,000
$10,000
  • $50
Australia Post Domestic Annual Multi-Trip Travel Insurance
  • $6,000
$10,000
  • $50
ahm Domestic Travel Insurance
  • $6,000
$5,000
  • $50
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Key takeaways

  • 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.
Bonus
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Freely Travel InsuranceExisting Medical Conditions We automatically include:
  • Anxiety and Depression
Bonus
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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.
Get quote
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.
Get quote
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.
Get quote
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).
Bonus
Get quote
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);
Bonus
Get quote
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".
Get quote
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.
Bonus
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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.
Finder Award
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Stella travel insurance logoExisting Medical Conditions We automatically include:
  • Anxiety and Depression
Get quote
Australia PostExisting Medical Conditions We automatically include:
  • Anxiety and Depression
Get quote
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.
Get quote
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.
Get quote
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
More info
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

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

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?

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.

Frequently asked questions about annual travel insurance

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Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 659 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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