Travel insurance with pre-existing medical conditions

How do I get travel insurance for pre-existing conditions in Ausrtalia?

Here are the steps to get travel insurance for pre-existing conditions in Australia:

1. Compare policies: Compare policies from multiple providers to find the best coverage for your needs. Look for policies that specifically cover your condition, and make sure you read the policy wording carefully.
2. Declare your pre-existing medical condition: When applying for travel insurance, declare any pre-existing medical conditions you have. The insurer will let you know if your condition is covered, if it will cost you more, or if you need to apply for a pre-existing medical condition waiver.
3. Apply for a pre-existing medical condition waiver: If required, apply for a pre-existing medical condition waiver with your insurer.

It's important to note that most travel insurance policies do not automatically cover pre-existing conditions, and some insurers may exclude them altogether. Therefore, it's crucial to declare all medical conditions when applying for travel insurance and read the policy wording carefully to understand what is covered and what is not.

Pre-existing conditions typically covered automatically

The list below is of conditions generally covered automatically provided the condition has been stable for the last 12 months and there is no planned surgery for the condition.

Pre-existing conditions you must declare

If you suffer from any of the conditions listed below, you will need to declare these to your insurance company. The company will then assess the condition and determine if they can provide cover. Whether your insurer covers your condition will depend on its severity, how recent it is and the extent to which it is being controlled by medication. The cost of your policy may increase as a result.

Pre-existing conditions typically not covered

If you suffer from any of the conditions listed below, you won't be covered for any sections of the policy related to medical expenses/repatriation or trip cancellation/lost deposits.

• Conditions where you have been given a terminal or palliative prognosis with a shortened life expectancy
• If you require oxygen therapy or home oxygen for the journey
• Aids defining illness
• If you have had or are having an organ transplant in the future

Travel insurance for specific pre-existing conditions

Each pre-existing conditions is likely to be treated slightly different. Some conditions are simple and straightforward, and all travel insurance treat them similarly. However, some more complex or serious conditions are treated very differently based on which travel insurance company you use. You cover can also vary based on the nature of your specific medical history.

To learn more about different pre-existing conditions, check out the links below. But remember, the best way to understand your travel insurance situation is to start the comparison and quote process.

Frequently asked questions

• What is a pre-existing medical condition?

  A pre-existing medical condition is a health condition that existed before you purchased your travel insurance policy. This can include chronic illnesses, such as diabetes or heart disease, as well as any medical conditions that you have received treatment for in the past.

• Is pregnancy covered under travel insurance?

  Pregnancy related medical costs can be covered by some travel insurance policies. Our comparison tool above has a specific filter to look for travel insurance that includes it. Generally you can be covered up to a certain number of weeks, eg 30. Learn more by reading out guide to pregnancy and travel insurance.

• Can I get travel insurance if I have a pre-existing medical condition?

  Yes, you can still get travel insurance if you have a pre-existing medical condition. However, it's important to note that most travel insurance policies do not automatically cover pre-existing conditions. You may need to purchase a policy that specifically covers your condition, or apply for a pre-existing medical condition waiver. It's important to read the policy wording carefully and disclose all of your medical conditions when applying for travel insurance.

• What does travel insurance with pre-existing medical conditions cover?

  Travel insurance with pre-existing medical conditions can cover a range of things, including medical expenses related to your pre-existing condition, trip cancellations or interruptions due to your condition, and emergency medical evacuations. The coverage will depend on the specific policy you purchase and the severity of your condition.

• How do I choose the right travel insurance policy for my pre-existing medical condition?

  When choosing a travel insurance policy for your pre-existing medical condition, it's important to compare policies from multiple providers to find the best coverage for your needs. Look for policies that specifically cover your condition, and make sure you disclose all of your medical conditions when applying. You should also consider factors such as the policy cost, coverage limits, and any exclusions or restrictions that may apply.

Written by

Tim Bennett

Insurance expert

A seasoned journalist with over 10 years of experience in news, politics and finance reporting, Tim has previously held roles at the ABC, SBS and Fairfax Media. Tim’s expert insights have been quoted in The Australian, The Daily Telegraph, The Courier Mail and more. He regularly appears on TV and radio, and has been interviewed on 7 News, Sunrise, SBS News, ABC Local, 3AW and 5AA. Tim is passionate about simplifying complex insurance topics for Australian consumers. He holds a Bachelor of Arts (Politics) from Macquarie University and a Tier 1 General Insurance (General Advice) certification, which meets the requirements of ASIC Regulatory Guide 146 (RG146). If you’re interested in a media interview with Tim, please reach out to our PR team at aupr@finder.com. See full bio

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