Travel insurance for pre-existing Medical Conditions

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years. Even if the condition is currently under control through medication, dormant or treated, you must still declare it, as it is part of your medical history. Not declaring it, could jeopardise your insurance cover while overseas, and even void your policy if you need to make a claim of any sort.

We assess and consider all pre-existing medical conditions, no matter what they are or how recently they occurred. We try to keep our prices as affordable as posisble, and cover many pre-existing conditions free of charge.

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

Why Travel With Us with Existing Conditions?

  • Cover up to 100 years young
  • Unlimited cancellation cover in our Gold Policy
  • No upfront medical certificates/assessments
  • Baggage cover up to $8,000
  • All pre-existing conditions considered
  • Unlimited overseas medical expenses
  • 1.6 Million travelleres covered per year
  • Largest Online Travel Insurance Company in the World
  • No upfront medical certificates/assessments

Most Common Questions

1. I have an elderly parent, am I covered if I have to cancel or cut my trip short 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 conditions.

3. Do you cover travel delays and connecting flights?

Our policies only cover your flight departing and arriving to Australia directly. If your flight is delayed, and you book an alternative flight, we do not cover the cost of your new flight. We do, however, offer some compensation if your fight has been delayed for more than 12 hours in some circumstances. Unfortunately, we do not cover connecting flights.

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 insruance 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 Silver and Gold policies cover your rental car excess up to $4000. 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.

InsureandGo is rated 4.5 out of 5 stars by 9498  customers.
* 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.