Pre-existing medical conditions

Did you know pre-existing medical conditions aren't automatically covered on your Travel Insurance Policy? Be a smart traveller and check your Policy conditions before you book your travel. 

The Overseas Travel Insurance cover does not cover any event caused by, or arising as a result of, any pre-existing medical condition of:

  • The cardholder; or
  • The cardholder’s spouse; or
  • The cardholder’s dependent child/children; or
  • The cardholder’s other relatives; or
  • The cardholder’s travel companions; or
  • Any other person that may give cause for the cardholder, or their spouse or their dependent child/children to claim.

However, the pre-existing medical conditions of a cardholder, their spouse or their dependent child/children (and no-one else) will be covered by the Overseas Travel Insurance cover if we agree to cover the condition before they leave Australia and they have paid the non-refundable administration fee for this confirmation.

Refer to your credit or debit card provider's information page for further information on pre-existing medical conditions and how you can apply to cover pre-existing medical conditions.

What are pre-existing medical conditions?

“Pre-existing medical condition” is relevant to the cardholder, any relative, travel companion or any other person that may give cause for you to claim and means:

  • Any existing medical condition, including but not limited to mental disorder, anxiety, alcoholism, drug addiction or pregnancy and/or any chronic or ongoing physical, medical or dental condition, for which investigation (whether or not a diagnosis has been made), treatment or advice has been received, or medication prescribed or taken at any time before you obtained your return overseas travel ticket; and
  • Any condition, including but not limited to mental disorder, anxiety, alcoholism, drug addiction or pregnancy and/ or any physical, medical or dental condition, for which investigation (whether or not a diagnosis has been made), treatment or advice is received, or medication prescribed or taken, after you obtained your return overseas travel ticket, but prior to the commencement of your journey; and
  • Any complication arising from any such condition outlined above, except that unexpected/unforeseen events relating to pregnancy are not regarded as a pre-existing medical condition.

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