We automatically cover over 40 existing medical conditions (as defined) at no additional premium, provided you satisfy all criteria listed for the condition(s) as outlined in the policy.
If any travellers have existing medical conditions that are not automatically covered, you will be asked to complete a medical screening at the time you buy your policy. If we agree to offer you cover for your existing medical condition(s), these can be added to your policy as specified medical conditions for an additional premium. The premium charged will vary depending on your medical condition and trip details. An additional excess may also apply.
During the medical assessment, you will be asked some simple questions about your medical condition(s) and your general health; we will then determine if we can provide cover to you and, if so, on what terms.
An existing medical condition is any medical condition which:
We automatically cover you for over 40 existing medical conditions which may exist at the time you buy your policy. Your medical condition is classified by us as an ‘automatically covered condition’ if it’s listed in the table below, provided that you satisfy all criteria listed for that condition. You must read this section together with the General exclusions, as these may affect your cover.
Acne
You haven’t received treatment for your acne from a medical practitioner in the three months prior to buying your policy.
Allergies
You follow advice in accordance with your medical practitioner (such as to carry EpiPens, antihistamines/other preventative medication at all times) and, at the time you buy your policy, you:
Anaemia (Iron Deficiency)
No criteria apply.
Asthma
At the time you buy your policy, you:
Bell’s Palsy
No criteria apply.
Benign Positional Vertigo
At the time you buy your policy, you haven’t required hospitalisation for benign positional vertigo in the last two years, including as an outpatient.
Bunions
At the time you buy your policy, you haven’t had surgery for bunions in the last three months and have no surgery planned.
Carpal Tunnel Syndrome
At the time you buy your policy, you haven’t had surgery for carpal tunnel syndrome in the last three months and have no surgery planned.
Cataracts
At the time you buy your policy, you have no ongoing complications, haven’t had surgery for cataracts in the last three months, and have no surgery planned.
Coeliac Disease
At the time you buy your policy, you haven’t required hospitalisation for coeliac disease in the last two years, including as an outpatient.
Congenital Blindness
No criteria apply.
Congenital Deafness
No criteria apply.
Diabetes Mellitus (Types I and II)
At the time you buy your policy, you:
Dry Eye Syndrome
No criteria apply.
Ear Grommets
At the time you buy your policy, you have no current ear infection.
Epilepsy
At the time you buy your policy, you:
Folate Deficiency
No criteria apply.
Gastric Reflux
Your gastric reflux doesn’t relate to another underlying diagnosis (examples: hernia or gastric ulcer).
Glaucoma
At the time you buy your policy, you have no ongoing complications, haven’t had surgery for glaucoma in the last three months, and have no surgery planned.
Goitre
The underlying medical cause excludes tumour.
Graves’ Disease
At the time you buy your policy, you haven’t received treatment from a medical practitioner for Graves’ disease in the last six months.
Hashimoto’s Disease
The underlying medical cause excludes tumour.
Hiatus Hernia
At the time you buy your policy, you haven’t had surgery for Hiatus Hernia in the last six months and have no surgery planned.
Hypercholesterolemia/Hyperlipidaemia (High Cholesterol / High Lipids)
At the time you buy your policy, you have no cardiovascular/coronary heart disease.
Hypertension (High Blood Pressure)
At the time you buy your policy, you:
Hypothyroidism (underactive thyroid)
The underlying medical cause excludes tumour.
Hyperthyroidism (overactive thyroid)
The underlying medical cause excludes tumour.
Impaired Glucose Tolerance
At the time you buy your policy, you:
Incontinence
You have no underlying gastrointestinal or urinary condition.
Insulin Resistance
At the time you buy your policy, you:
Iron Deficiency
No criteria apply.
Macular Degeneration
No criteria apply.
Migraine
You haven’t required hospitalisation for migraines in the two years prior to buying your policy, including as an outpatient.
Nocturnal Cramps
No criteria apply.
Osteoporosis/Osteopenia
At the time you buy your policy, you:
Pernicious Anaemia
No criteria apply.
Plantar Fasciitis
At the time you buy your policy, you haven’t had surgery for plantar fasciitis in the last three months, and have no surgery planned.
Raynaud’s Disease
At the time you buy your policy, you haven’t required treatment by a medical practitioner for Raynaud’s disease in the last six months.
Sleep Apnoea
At the time you buy your policy, you:
Solar Keratosis
Your condition has been confirmed as benign.
Trigeminal Neuralgia
You haven’t required treatment by a medical practitioner for trigeminal neuralgia in six months prior to buying your policy.
Trigger Finger
At the time you buy your policy, you haven’t had surgery for trigger finger in the last three months, and have no surgery planned.
Vitamin B12 Deficiency
No criteria apply.
If you develop a new medical condition (or the symptoms of one) after you buy your policy but before you depart on your trip, you must check with your medical practitioner that you are fit to travel and get written confirmation. If you don’t get your medical practitioner’s written confirmation before you travel, and you were unfit to travel due to your medical condition, you won’t be covered for any claim that arises from that condition if you still travel.
Don’t forget, our definition of an ‘existing medical condition’ includes a condition that was displaying symptoms or that you were undergoing investigations for at the time you bought your policy. If you did not tell us about your existing medical condition when you bought your policy, contact us as soon as possible.