Pre Existing Medical Conditions

Our policies do not provide any automatic cover for Pre-Existing Medical Conditions.

In relation to these policies, a Pre-Existing Medical Condition means, in relation to each Relevant Person:

1. Any sickness including mental health condition, injury or  disability which in the one-year period before you first Activated cover:

a) You were aware of or a reasonable person in the circumstances could be expected to be aware of; and

b) Such condition:

     i. Manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment;

     ii. Required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a Medical Practitioner; or Was treated by a Medical Practitioner or treatment had been recommended by aMedical Practitioner.

2. Any congenital, chronic or ongoing condition which you are aware of, or a reasonable person in the circumstances could be expected to be aware of, before you first Activated cover.

How do I apply for Pre-Existing Medical Condition cover?

If you would like to have pre-existing Medical Conditions covered, enter your trip details here and indicate whether you or your accompanying family members would like to cover pre-existing medical conditions. You will need to answer some basic screening questions and once we have confirmed that your trip is covered, you will be asked to declare your conditions to us and answer questions specific to those conditions.

You will need to declare each and every condition that meets the policy definition of a pre-existing medical condition and any other condition that you feel is relevant to your current state of health.

The information provided by you will be used to assess whether or not we can accept your cover application and the premium that will be required for such cover.

If you are applying to cover accompanying family members, please ensure that you are authorized to disclose their personal information to us. We also recommend that your family members have an opportunity to review the medical declaration and validate that it is correct and that they have no other medical conditions that may be relevant to our decision to accept or decline the application. A copy of the declaration will be available to you once completed. 

Important information about Pre-Existing Medical cover applications

• If we accept your application then a premium will apply.
• You are not obliged to purchase cover where it is available.
• Application for pre-existing medical conditions is assessed on a per journey basis and you will need to re-apply for each and every journey.
• Each medical assessment is considered based on the particular trip in question and the outcome of an application can change for a different trip, even if your medical conditions are unchanged.
• We will provide you with a copy of your medical declaration and you should check this and advise of of any errors that may have been made.
• Should your health status change after purchasing cover for your pre-existing medical conditions but before you depart for your trip you should contact us as we may need to reassess your application. In the event we are no longer able to cover your conditions as a result of your change in health status and as a result you do not want to continue with your planned travel then you may be able to submit a claim for cancellation of travel.