Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
If you've got some health issues, this doesn't mean you need to rule out travel insurance – you can still buy it. You've just gotta do a bit more hunting to find the right coverage that fits your health situation and budget. Adding coverage for your existing conditions means you're still good to go for emergency medical help and hospital services related to your health issues.
What is a pre-existing condition? | Should I declare my medical conditions? | Do I have to pay extra? | How do I declare my conditions? | Which insurers cover pre-existing conditions? | Conditions which aren't covered | What if I can't find cover? | Medical FAQs
Some insurance providers automatically include coverage for certain common and low-risk conditions without requiring you to declare them. However, this will depend on your circumstances and whether or not you meet your insurer's specific critieria, so it's crucial to meticulously review the policy details.
If a particular condition isn't automatically covered, it's important for you to disclose it. While it might be tempting to skip over some medical details to save time or reduce insurance costs, it's a risky move. If you end up filing a medical claim related to an undisclosed pre-existing condition, and it's not covered, your claim could be invalidated, leaving you with substantial medical expenses. Taking the time to provide accurate information is an investment in avoiding potential financial challenges down the road.
If your condition isn't automatically covered by your insurer, you'll likely need to complete a medical assessment form. Many insurance brands now offer convenient online medical screenings, where you can answer a few questions about your condition to promptly determine whether coverage is available and at what cost. Typically, this step occurs during the second or third page of the quote process.
The majority of insurers utilize the same medical screening software provided by a company called Verisk (formerly Healix), which generates a 'medical risk score.' Some insurers use hybrid versions of this software, and a few may opt for a different specialist platform.
The insurer then assesses the level of risk they are willing to consider for coverage. They make decisions on whether to cover your condition, cover you with an exclusion for your condition, or apply an additional premium. This process allows insurers to tailor coverage to individual health scenarios.
Certain conditions fall outside the scope of coverage for insurers. However, this doesn't mean you can't get travel insurance; rather, it means that any claims arising from or connected to those specific conditions will not be covered.
Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage. It's crucial to be aware of these exclusions to make informed decisions about your travel insurance and ensure you have appropriate coverage for your specific health circumstances.
Keep in mind that while you may not be able to get cover for your condition, this does not mean that you cannot take out travel insurance. It simply means that any claim arising from, or related to that condition will not be covered.
Insurers differ in their definitions, but broadly, a pre-existing medical condition is characterized as any illness, disease, injury, or condition for which you displayed symptoms or sought treatment before purchasing an insurance policy. The specific timeframe for this assessment varies among insurers but typically encompasses the last few years. Conditions such as cardiac or heart issues, circulatory disorders, deep vein thrombosis, respiratory and lung ailments, and most forms of cancer are commonly required to be declared for coverage. This also extends to conditions necessitating surgery within the past two years or those awaiting surgical intervention. Given the variations in insurers' definitions, it is crucial to review their Product Disclosure Statement before making a purchase to ensure a clear understanding of their stance on pre-existing medical conditions.
In general, pregnancy is not typically regarded as a pre-existing condition by most insurers, and they usually provide automatic coverage for pregnant individuals up to a specific gestation period. The maximum gestation covered typically varies between 19 to 32 weeks, depending on the insurance brand. However, it's crucial to note that complications related to pregnancy, such as pre-eclampsia or gestational diabetes, must be declared, or your policy may be deemed invalid. To delve deeper into this topic, consider exploring additional resources or seeking more information. Learn more about pregnancy travel insurance.
Travel insurance typically encompasses a broad spectrum of medical conditions, yet certain scenarios are commonly excluded. While specifics can vary among policies, chronic conditions and medical situations often excluded from coverage include:
- Needing oxygen therapy or home oxygen during your trip.
- Undergoing or planning an organ transplant.
- Experiencing a condition induced by drug or alcohol use.
- Travelling after being diagnosed with a terminal illness or given a palliative prognosis with a shortened life expectancy.
- Having an undiagnosed medical condition.
Absolutely. Mental health conditions and illnesses are handled with the same consideration as physical conditions when it comes to travel insurance. If you have a pre-existing mental health condition, it's necessary to declare it through the medical screening process. This ensures that your insurer is aware of your specific health situation and can provide appropriate coverage tailored to your needs. Always be transparent about your mental health history during the application process to avoid complications in the event of a claim. Learn more about mental illness and travel insurance.
Numerous travel insurance providers do offer coverage for diabetes. Depending on the type and severity of your diabetes, it might even be included automatically without the need for a medical screening. To gain a better understanding of the specific rules and conditions surrounding diabetes coverage, it's advisable to delve into the policy details or reach out to the insurance provider for more information. Learn more about travel insurance for diabetes.
No, this would not be considered a pre-existing condition that you could get coverage for, as most brands have general exclusions if you are awaiting or seeking surgery. If you experienced complications due to elective, cosmetic or dental surgery overseas, it is unlikely you would have any provision to claim.
Certainly! Numerous travel insurance brands do provide coverage for a variety of heart conditions. The extent of coverage often depends on factors such as the duration of your condition, the number of medications you are currently taking, and whether you've undergone any surgeries related to the heart condition. It's essential to review the specific terms and conditions of the insurance policy to understand the criteria and coverage details for heart-related conditions. This ensures that you have the appropriate coverage tailored to your individual health situation. Learn more about travel insurance for heart conditions and which insurers offer it here.
Indeed, some travel insurers do provide coverage for individuals with cancer, but the availability of coverage often depends on the nature and specifics of your condition. Our guide on travel insurance when you have cancer lists a few insurers which can provide cover following a medical screening. Otherwise, you can try a specialist medical travel insurer, AllClear Travel Insurance.
Numerous insurers provide online medical screening forms, allowing you to declare your condition and promptly determine if they will provide coverage. To identify which travel insurers offer this convenient feature, you can refer to the table above for a comprehensive overview. This allows you to efficiently navigate the process of declaring your condition and securing the coverage you need for your travels.
With a research and journalism background, and certified in Tier 2 General Insurance General Advice, Crystal is passionate about investigating customers’ tricky travel questions and helping them find the answers they’re looking for. A writer and filmmaker whose favourite trips have been to film festivals in Cuba and South Korea, and campervanning around the USA, she loves getting to know new people and seeing a glimpse of the world through their eyes.