Travelling with pre-existing medical conditions

Can you still travel as a retiree with a pre-existing medical condition?

Retirement is the perfect time to travel. You no longer have the responsibilities that go with work and raising a family, and the number of tours and cruises on offer make creating an itinerary a breeze.

But what if you have existing medical conditions? Can you still travel as a retiree? The answer is yes – but you need to have adequate travel insurance. Here’s what you need to know to select the right cover:

Many existing medical conditions are automatically covered
Everyone has different health issues – some minor, some major. Cover-More travel insurance automatically covers a variety of existing medical conditions, helping to limit the hassles of travelling as a retiree.

“From Bell’s palsy and gout to coeliac disease and epilepsy, we automatically cover a number of conditions*,” explains Professor Stephen Rashford, Cover-More’s chief medical officer. “Make sure you review the list, and if your health condition is missing, be sure to disclose it.”

Some existing medical conditions will need to be assessed
If your health issue isn’t automatically covered*, you’ll need to help your travel insurance provider understand more about your condition.

“Cover-More has an easy-to-use online health assessment form, which makes it simple for you to record all your health details,” says Professor Rashford.

You will need medical information from your doctor to make a claim
In 2018, 48 per cent of all Cover-More customers aged 55-plus made a claim relating to illness, with the average claim totalling $3140.41. If you need to obtain medical help abroad, be sure to collect a medical certificate before you’re discharged. This will help provide your insurance provider with the details required to process the claim.

“Cover-More may also request additional information from your regular doctors, so be prepared to share more details if required,” adds Professor Rashford.

Want more information?
To learn more about Cover-More, visit or call 1300 72 88 22.

*A full list of automatically covered conditions is available in the Cover-More Policy Disclosure Statement (PDS)


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Ted Wards
4th Feb 2019
I've just come back from Hawaii.I was asked to provide proof of travel insurance at the airport and the hotel and I went on a cruise as well and my travel agent provided the cruise line with a copy. I've also talked to other people who have recently travelled overseas who had to provide proof. It seems its no longer an option but a requirement
4th Feb 2019
A necessity but pre existing conditions may make it prohibitively expensive.
As the adage goes "if you can`t afford travel insurance you can`t afford to travel".
4th Feb 2019
Very true, I have a few pre existing conditions and prior to having heart problems travel insurance was around $150 for an overseas trip, last November I went to Hawaii and it cost me $1100 so quite a huge jump. There was only one company that would even accept to take on the risk, all the others said we'll cover your for the normal stuff but not your medical side so make sure you tell them the truth and list everything that you have. Not worth the risk as you get older.
4th Feb 2019
I had letters from my GP and 2 Specialists but the Insurance Company insisted that my condition was reviewed by a Nurse!! Said Nurse then phoned me to ask about my condition, so I told her to see the comprehensive reports they had from my GP and Specialists. My condition was fully controlled on medication. Took weeks to sort it all out and cost a great deal of money. In the end I paid for the insurance and my daughter the trip because I couldn't afford both and she wanted me to go with her. Insurance was $2,700 for 8 days in New York.
4th Feb 2019
If it is really serious and likely to kill you or make life not worth living if it happens, why bother?
Just go where you really want to go that you can afford then die if you must, - probably would have died at home anyway, don't let these fear mongering greedies control the end of your life so they make money.
4th Feb 2019
Insurance is insurance & not to be trusted regardless of type! There are going to be good & bad stories but if most companies will do anything to avoid paying your claim! is a good guide to what victims (I mean people) have experienced. The company I insured with when I flew to Bali a couple of years ago (flights delayed etc) costing me an extra $1000 or thereabouts in extra expenses like hotel, food, transport, phone calls to airlines, work & home etc. The insurance company made me fill out an 11 page claim form & required various receipts, etc (all of which I provided along with the claim form), but they kept saying still not enough info etc every time I sent more info as required. I spent hours filling the claim form, providing info & writing explanations but every time I did it was still rejected! By this time I'd had a gutful so put a scathing review up on the website & received a phone call within an hour saying the claim would be paid in full, except for about $100 phone calls! Should not have been so hard! I'm pretty sure most companies are just as difficult if youread thru the reviews! They are quick to accept the premium $ but make things extremely difficult or impossible come claim time - as per all types of insurance, be it health insurance, car insurance, home & contents insurance, etc! They are all rogues & get away with being rogues-something needs to change to stop unsuspecting customers from being ripped off/wool pulled over our eyes! Hate them big time!

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