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 to protect your holiday.
What is a pre-existing medical condition?
A pre-existing medical condition is any diagnosed condition for which, in the last 5 years, you or any insured person has suffered from or has received any form of medical advice, treatment, or medication. 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.
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)
Baggage cover up to $15,000 on Gold Policies
No upfront medical certificates/assessments
Unlimited cancellation cover in our Gold Policy^
All pre-existing conditions considered
Award winning travel insurance company
No upfront medical certificates required upon application
Unlimited overseas medical expenses
Pregnancy and Travel
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 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 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).