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Travel Insurance for pre-existing Medical Conditions

Travel Insurance for pre-existing Medical Conditions

We know not all of us can enjoy perfect health, and that many travellers may currently have medical conditions. That’s why, as part of our award-winning cover, we consider all pre-existing medical conditions for possible cover, subject to approval, and provide you with competitively priced travel insurance for pre-existing medical conditions to protect your holiday.

What is a pre-existing medical condition?

A pre-existing medical condition is any diagnosed issue. This is something you or an insured person has had in the last 5 years. It includes any medical advice, treatment, or medication received for that condition.

You must declare it because it is part of your medical history. This is true even if your condition is under control with medication, inactive, or treated.

Acceptance of a pre-existing medical condition will depend on each traveller’s individual situation and many conditions may even be covered free of charge.

Our quick and easy online questionnaire can determine instantly whether your pre-existing condition can be covered with no need for upfront medical assessments or certificates when you purchase.

To obtain a quote online, simply fill in the quote box above. This allows you to compare our products and quotes.

The last part you’ll see is the medical screening section, which only takes a few minutes to fill in online. While declaring the condition you may be asked simple questions about it such as treatments you’ve received, your age when the condition began, medications you’ve taken, or recent episodes of your condition. Answering these questions carefully and honestly will determine if your condition can be covered.

Why Travel With Us with Existing Conditions?

Cover up to 100 years young Cruise and Bare Essential Policies cover up to 79 years of age)

Unlimited cancellation cover in our Gold Policy^

No upfront medical certificates required upon application

Baggage cover up to $15,000 on Gold Policies Sublimits apply

All pre-existing conditions considered

Unlimited overseas medical expenses

No upfront medical certificates/assessments

Award winning travel insurance company

Pregnancy and Travel

Travelling with extra special cargo on your next holiday? Great news, travel insurance cover from InsureandGo includes pregnancy cover. Insure&Go gives you cover up until your 30th week for single-child pregnancy and until your 20th week for multiple-child pregnancies. Please note pregnancy doesn’t have to be declared in our medical questionnaire unless you are experiencing pregnancy complications.

We cover the expenses of the birth for 30 weeks (single babies) and 20 weeks (multiple babies). We also cover certain pregnancy-related complications (listed in our product disclosure statement) for up to 30th weeks.

Unfortunately, at this stage we do not cover neo-natal care, so please keep this in mind if you choose to travel while pregnant.

Pre-Existing Medical Condition Not Covered?

We aim to cover as many pre-existing medical conditions as possible. However, in the unfortunate circumstance, your condition does not qualify, you can still purchase travel insurance.

Refusal of coverage for your condition will only void claims that arise from your refused pre-existing condition. You will still be covered for any medical claims that are unrelated to your refused pre-existing medical condition as well as all the usual benefits of our travel insurance policies. These benefits include baggage cover up to $15,000, travel delay expense cover up to $3,000, and trip cancellation cover (Available on Silver and Gold levels).

Please be aware medical expenses are not covered when travelling within Australia (Onshore).

Most Common Questions

Do you cover pre-existing medical conditions?

Yes, we consider all pre-existing medical conditions in all of our travel insurance products, except for our Domestic Travel Insurance. To determine whether your condition will be covered, you will need to complete the Medical Assessment during the purchase process online or over the phone.

Do you provide cover for a diabetic condition?

Every medical situation is different, so this is not one of those yes or no questions. However you are able to declare your diabetic condition through our medical screening tool, which is available online (when you get a quote) or over the phone, and don’t worry, no medical certification is required. Your diabetic condition may be covered, may not be covered, or require an additional fee to cover. Don’t forget you can contact us if you have any doubts, or if you simply need our consultant to help you with the process. Read the PDS before making any decision.

Do you provide cover for existing mental condition?

To find out whether your mental condition is covered, you need to complete our Medical Assessment online or over the phone with our Customer Services Team on 1300 552 701

I have an elderly parent, am I covered if I have to cancel my trip due something happening to my parents?

With our Silver and Gold policies, we do offer cover for cancelling your trip prior to departure due to the unforeseeable accident, illness or injury of one of your parents. Your parents must live in Australia and be in Australia at the time and this cover does not include any cover for pre-existing medical conditions of non-travelling relatives.

Do you cover flight delays after departure?

Under the Insure&Go Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip, any individual leg of your trip, is delayed for more than 12 hours.

The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for more information

I have pre-existing medical conditions. Can I get cover for these on my policy too?

InsureandGo does not automatically include cover for any pre-existing medical conditions. All conditions can be considered via a medical questionnaire that you can either complete online or through the call centre. Please contact us if you would like to complete the questionnaire over the phone.

I already have a policy but I've recently been diagnosed with a new medical condition. What do I do?

If you already have a policy^ and there has been a change in your medical status, you need to inform InsureandGo via email or speak to our Customer Services Team on 1300 552 701 before you travel. Please keep in mind we have the right to change the conditions of your policy^ in line with the change of risk and depending on your condition. We may include or decline the cover, or charge an extra cost.

Is there a Senior’s travel insurance policy I need to purchase?

No. Simply select the trip type that best describes your journey.

Does your insurance cover damage to a rental car?

Our Gold policies cover your rental car excess up to $8,000 for International policies and up to $7,500 on Domestic policies. However, you need to make sure that the rental car is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess. Please note, that motorbikes are excluded.

Do you cover osteoporosis?

Pre-existing conditions are not automatically covered unless declared and accepted by us. You need to disclose all conditions for which you have taken advice, treatments or medications in the last 5 years. To do this you need to go through a medical questionnaire. The process can be completed on the website or over the phone. You need to list all the conditions and answer the questions. Depending on your response we may offer or decline the cover.

Travel Insurance for pre-existing Medical Conditions

Travel Insurance for pre-existing Medical Conditions

What is a pre-existing medical condition?

Why Travel With Us with Existing Conditions?

Pregnancy and Travel

Pre-Existing Medical Condition Not Covered?

Most Common Questions

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