Travel Insurance | Do I Need Travel Insurance | Benefits | Summary of Cover |
Policy Pricing | Emergency Assistance | Pre-Existing Medical Conditions | Policy Wording

Pre-existing Medical Conditions

What is a pre-existing condition?
Any illness, injury or condition within the last 6 months which you:

Are currently aware of or that has occurred whether you have seen a doctor or not.
Have sought treatment or medication or have had either recommended.
Have taken medication for (whether prescribed or not) or take as a preventative measure.
Have a known pregnancy.
Have been hospitalised in the last 6 months.
Any illness, injury or conditions which requires regular check-ups.

If you are aged 76 or over a Medical Certificate must be completed by your doctor regardless of whether you have a pre-existing condition or not.


Further pre-existing information
There is no cover available for psychosomatic, psychological, or psychiatric disorders, sexually transmitted disease, AIDS/HIV, alcohol or drug abuse related illnesses or where you are travelling against Dr’s advice or are seeking treatment overseas. Coverage of Pre-existing conditions does not include maintenance of any course of treatment you had prior to the commencement of your journey or replenishment of medications unless your medication is stolen on the journey.


Doctors medical certificate
Please read carefully to see what you need to do.


If any of the following apply to you then you must apply for a Medical Certificate.
Do you have you a terminal condition?
Do you require wheelchair or oxygen assistance?
Are You pregnant? (Pregnancy covered up to 29 weeks only).
Do you have any chronic condition requiring daily medication?
Are you 76 years of age or over?
Have you had any treatment or seen a Doctor is the last 6 months for any: Heart, Stroke, TIA, Cancer, Liver, Kidney, Pancreas, or Respiratory condition?

Apply for a Medical Certificate