Pre-existing medical conditions

Posted Date: 11 January 2016
Health conditions

If you suffer from health issues, a holiday can be just what the doctor ordered. But it’s important to understand the implications of travelling with a medical condition and what you’re covered for should the unexpected happen.

A lot of people find it hard to understand what a pre-existing medical condition actually is and how it affects their travel insurance. In these three short videos, we answer a few of the common questions we get asked by customers travelling overseas with a medical condition.

What is a pre-existing condition?

When you buy a travel insurance policy you’ll be asked if you have any pre-existing medical conditions, but what are they? Our team look at what qualifies as a pre-existing condition.  

How are they assessed?

You will be asked to complete our easy online medical assessment, which will determine if we can cover your pre-existing medical conditions. The results will be displayed to you before you decide to proceed with buying the policy.

If we’re able to offer cover for your pre-existing conditions, you will have to pay an additional premium. If you do not want cover for your pre-existing conditions, you can choose not to declare these during the application process and they will remain excluded under your policy.

Should I declare them?

Unsure about whether you need to declare your pre-existing conditions? Our experts outline your options so you can decide what's best for your journey.

Related articles

Expensive hospitals

You don’t want to be hospitalised here!

Healthcare costs can vary substantially around the world. Here are some of the most expensive ones. Read more

Frequent medical claims

Common medical claims overseas

Check out some surprising results from our medical claims survey featuring gravity, snakebites and tattoos. Read more

Get sick overseas

Getting sick on holiday

Getting hurt or ill will not be part of your holiday plans, but in case it happens, here are tips from our experts. Read more

Keywords