There are a number of medical conditions which are described as Pre-Existing for the purposes of travel insurance. Understanding what conditions can be covered in your policy is important when choosing your cover.
Do I have a Pre-Existing Medical Condition?
We define Pre-Existing Medical Conditions as conditions which:
a) An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
b) A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor) at any time in the past, prior to policy purchase;
c) Any condition for which you take prescribed medicine;
d) Any condition for which you have had surgery;
e) Any condition for which you see a medical specialist; or
Pre-Existing Medical Conditions can also include dental problems, mental health issues, back problems and arthritis.
Having a Pre-Existing Medical Condition doesn’t mean you can’t get travel insurance. It may mean it is even more important to obtain adequate insurance if you have a Pre-Existing Condition so that you have adequate cover for your trip.
We made it simple for you
Fast cover automatically* provides cover for 44 Pre-Existing Medical Conditions. If you have any of the conditions below, we don’t require a medical assessment and can issue a policy right away, as long as you have not been hospitalised (including day surgery or emergency department attendance) for your condition in the past 24 months. This ensures that medical costs, repatriation expenses and hospital fees are covered should your condition require you to seek medical help while on holiday.*