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 and provide you with competitively priced travel insurance to protect your holiday.
What is a pre-existing medical condition?
A pre-existing medical condition is any condition for which you have received medical advice, treatment, or medication in the last five years. Because it is part of your medical history, you must declare it even if your condition is currently under control through medication, dormant, or treated. Not declaring a condition could jeopardise your insurance cover while overseas and may void your policy should you make a claim of any sort.
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
Unlimited cancellation cover in our Gold Policy
No upfront medical certificates required upon application
Travelling with extra special cargo on your next holiday? Great news, travel insurance from InsureandGo includes pregnancy cover. InsureandGo gives you cover up until your 32nd week for single child pregnancy and until your 26th 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 32 weeks (single babies) and 24 weeks (multiple babies). We also cover certain pregnancy-related complications (listed in our product disclosure statement) for up to 40 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 which 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
1. 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 unforeseen 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 condition of non-travelling relatives.
3. Do you cover flight delays after departure?
Under the InsureandGo 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.
5. Do you cover non-permanent residents?
Our policy can cover non-permanent residents who have a valid Medicare, private health insurance or overseas student travel insurance in Australia which must be valid for the entire duration of your holiday.
2. Is there a Senior's travel insurance policy I need to purchase?
No. Simply select the trip type that best describes your journey.
4. 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, motorbikes are excluded.
6. Do you offer pensioner discounts?
We offer discounts to seniors who are members of Seniors Australia. Accordingly, if you are 64 and hold a senior membership card you may be entitled to a discount with us.
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* Price derived from a single trip of 5 days, Individual, age 30, to New Zealand, Pacific & Bali region. Cover for pre-existing medical may require an extra premium.