Travel Insurance by Southern Cross Travel Insurance Australia

The TravelCare Policy Wording states:
"Pre-Existing Condition": In relation to each Relevant Person, any medical or physical conditions, symptoms or circumstances:

	(a)	which You are aware of, or ought to have been aware of; or
	(b)	for which advice, care, treatment, medication or medical attention has been sought, given, or recommended; or
	(c)	which have been diagnosed as a medical condition, or an Illness or indicative of an Illness; or
	(d)	which are of such a nature to require, or which potentially may require medical attention; or
	(e)	which are of such a nature as would have caused a prudent, reasonable person to seek medical attention;

prior to the date You commenced Your Journey. However under this policy, You are automatically covered for the following controlled Pre-Existing Conditions:

• Asthma
• Diabetes (both Type 1 and Type 2)
• Eczema
• Gastro-oesophageal reflux
• Glaucoma
• Gout/Hyperuricaemia
• Hayfever/Sinusitis
• Hypercholesterolaemia
• Hypertension
• Hypothyroidism
• HRT
• Epilepsy
• Grommets
• Joint Replacements
• Acne
• Cataracts
• Coeliac disease
• Migraine
• Solar keratosis
• Pregnancy without complication up to and including the 20th week. Cover is for Unexpected medical complications only. Common symptoms such as breast tenderness, constipation, fatigue, frequent urination, heartburn and nausea (morning sickness) are not covered.

This means that You do not need to apply for cover, obtain a medical assessment or pay any additional premium to be covered for these conditions.

By controlled, We mean: 
The condition is stable and You have not had a change in medication or treatment in the last 6 months, or experienced symptoms of such a nature as would have caused a prudent reasonable person to seek medical attention, or been hospitalised (including day or emergency department attendance) for that condition in the last 24 months.

The terms "Relevant Person", "You", "Illness" and "Your Journey" are defined in the Policy Wording.