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Compare Travel Insurance Travel Insurance Tips Pre-Existing Medical Conditions

Pre-Existing Medical Conditions

Having pre-existing medical conditions doesn't mean you can't get travel insurance or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.

What is considered a pre-existing condition?

What counts as a pre-existing condition? What if you broke your arm two years ago? Or you're living with diabetes? Or you had a pacemaker put in twenty years ago? Every insurer has different rules about what is considered a pre-existing condition, so it's important to check the PDS so you know whether you need to declare your condition.

Typically, pre-existing conditions include chronic conditions like high blood pressure and diabetes, heart, lung or brain conditions, and anything which happened in the last two to five years.

Why is it important to declare pre-existing conditions?

If you have an illness or injury which the doctors say is related to you pre-existing condition, and you aren't covered for that condition, you claim is void and you could be left with eyewatering medical expenses! 

Automatically covered conditions

Good news - many travel insurance brands automatically cover a range of conditions. Often common illnesses like asthma, diabetes and high cholesterol are covered, depending on when you were diagnosed, whether your condition is stable, and if you have additional related conditions. Check the PDS rules to see whether automatically covered conditions apply to you.

How do I declare my condition?

If your condition isn't automatically covered, you will be required to fill out a medical assessment form, and an insurer will decide whether they can cover your condition, whether they will cover you but exclude your condition, and if there is any additional premium.

Many brands have introduced online medical screening forms, where you can answer a couple of questions about your condition and find out immediately whether you can get cover. Other brands will require you to get your doctor to sign a form outlining your conditions. 

Who’s offers online medical assessments?

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.

Pre-Existing Medical Conditions That May Not Be Covered

There are some conditions that insurers will not cover. 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. 

Conditions such as terminal illness, requiring oxygen, awaiting surgery, chronic lung disease, cardiovascular disease, types of cancer, congestive heart failure, recurring pain or mental illness (including dementia) are typically not covered.

What If I Can't Find Cover For My Pre-Existing Condition?

If you're struggling to find cover you may have luck with travel insurer AllClear. This specialist medical travel insurance provider offers comprehensive cover. Any medical condition is considered. They can offer cover for any age. 

Remember you can still buy normal travel insurance with pre-existing conditions - but it just means you may not be covered for any claims related to, exacerbated by, or arising from that pre-existing medical condition without prior approval.

What's Next?

Once you've done your travel insurance comparison, click on your policy choice and we will direct you to your chosen insurer's site to confirm your quote. Whether you're purchasing online or over the phone, you will usually be prompted to disclose pre-existing medical conditions during the purchase process. When purchasing online, once you have selected 'Yes' to cover pre-existing medical conditions, premium loadings are applied at the end of a questionnaire.

Are You A Mature Traveller?

If you are over the age of 50, finding a suitable policy to cover your pre-existing medical conditions can be more tricky. Read our guide to seniors travel insurance for some top tips.

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