Pre-existing medical conditions

Q. Mary

I have cardiovascular disease and my cardiologist has given me clearance to travel. As it is a pre-existing condition will I be able to secure travel insurance?


A. Not all insurance companies will cover pre-existing medical conditions and, in some instances, they may impose waiting periods on benefits for pre-existing conditions.

Any heart or cardiovascular disease, including stroke, angina, previous heart surgery and heart attack are automatically exclude. However there are medical conditions which will automatically be covered, provided you have not been hospitalised, including day surgery and attendance in the emergency department, within the past 24 months. If you have been hospitalised for any of the following conditions, you can pay an additional premium and receive coverage.   

•           Hypercholesterolaemia (High Cholesterol)

•           Hyperlipidaemia (High Blood Lipids)

•           Hypertension (High Blood Pressure)

I suggest you contact a few different insurance companies to find out whether they will cover you with your doctor’s clearance.

Written by Andrea