Pre-existing medical

The holidays are a great time to unwind and get away from the worries of everyday life. However, a pre-existing medical condition might make it impossible to have a holiday, as it often complicates the process of getting travel insurance cover. Nevertheless, this shouldn’t discourage you from searching around until you find an insurance provider that will cover you for any events related to your condition.

What’s Considered a Pre-Existing Medical Condition?

As the name implies, a pre-existing condition is any ongoing medical condition that you were diagnosed with prior to purchasing your travel insurance. However, there are a few other factors to consider when it comes to the classification of a pre-existing medical condition, such as the fact that:

  • It has to have been examined and treated by a medical professional.
  • It has to be a condition that you’ve received medical treatment or prescribed medicine for.
  • It affects you on an ongoing basis or a clearly diagnosed chronic illness.
  • It’s something that has required a medical operation in the past 12 to 24 months.

Who Should Get Travel Insurance with Pre-Existing Medical Extra Cover?

If you have been diagnosed with a known pre-existing condition, or even if you suspect that you have one, then it’s very important that you take out an insurance policy that covers it specifically, as that will make your trip much more peaceful and enjoyable. Doing a checkup prior to your trip is also a good idea so that you can declare any medical health conditions that come up before your trip.

Recent research reveals that roughly 30% of all Australian travellers that take out travel insurance cover include a pre-existing condition in their policy. In addition, about 67% of all travellers are underinsured due to not understanding the extent of their cover in relation to their pre-existing condition. That’s why it’s so important to get clarity on what exactly your cover entails. Also make sure to add cover for your pre-existing medical condition if necessary.

What’s Covered in Travel Insurance for Pre-Existing Conditions?

Typically, you’ll find that there are three different levels of cover available for travellers, namely; Basic, Standard and Comprehensive cover. Each of these different levels comes with certain limitations, but as a rule, the basic cover will feature more limitations than the comprehensive cover, but most travel insurance providers offer conditional cover for the following:

  • Trip cancellations and lost deposits.
  • Lost or stolen luggage and personal effects.
  • Overseas medical expenses and hospital fees.
  • Travel delays due to unforeseen illness, bad weather or death in the family.
  • Curtailment.

Including cover for a pre-existing condition in your policy will ensure that you receive cover for any medical expenses or hospital fees that occur as a result of, or in relation to your pre-existing condition. So always make sure to disclose your pre-existing condition to your insurer in order to receive tailored cover that suits your individual needs.

Also consider the fact that some insurers have limitations on the type of pre-existing conditions that they cover, so you should also check if they cover your condition, and under what circumstances, if there are any. This may include getting a medical assessment, or settling for higher premiums for some pre-existing conditions that are considered extreme, such as:

  • Epilepsy
  • Stroke
  • Heart diseases
  • Lung disease
  • Deep vein thrombosis
  • Diabetes

No matter what limitations your insurer has placed on your policy, youshould make sure that they understand your situation and that they’ll be able to provide cover for your pre-existing condition, thus enabling you to enjoy a stress-free holiday.


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