Travelling with a pre-existing medical condition can affect your coverage.
Whether you are looking for travel insurance for seniors, your whole family or travelling alone, this information will help you understand how travelling with a pre-existing medical condition can affect your coverage.
What does a pre-existing condition mean?
Pre-existing medical conditions are any illnesses or conditions that could affect your eligibility for medical cover under your travel insurance policy.
How will it be determined if my condition will be approved?
Some insurers will perform a quick assessment of your medical conditions via a short questionnaire online or over the phone and some will require medical certificates and/or physical evaluation. After the assessment, your insurer will be able to tell you whether they can provide you with travel insurance cover for your specific condition or whether additional premium is required.
What if I’m waiting on medical tests/results?
It’s a good idea to wait until you receive any medical results or surgery before you organise your travel or purchase a travel insurance policy. Otherwise, it may not be possible to obtain cover.
What if my condition(s) change between the time I purchase the policy and the time I leave for my trip?
This circumstance can be common for seniors or anyone else who purchases travel insurance early on. If your circumstances change, you need to inform your insurer right away. If you don’t, any claims you make in future may not be valid.
If you are in doubt about any of the medical requirements, limits or levels of cover in your travel insurance policy, ensure you read your Product Disclosure Statement properly before you purchase.
With InsureandGo Travel Insurance, we consider all pre-existing medical conditions online or over the phone, with no certificates required upon application. Learn more at www.insureandgo.com.au or phone 1300 552 701.
Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, issues InsureandGo Travel Insurance (the insurance). Please read the combined product disclosure statement and financial services guide available at www.insureandgo.com.au/policy-wordings.html to decide if the insurance is right for you.
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