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A pre-existing condition in travel insurance is any medical condition, illness, or injury that you knew about or sought treatment for before your policy was purchased. Most travel insurance policies exclude claims arising from pre-existing conditions unless you declare them and the insurer agrees to cover them — often for an additional premium.
If you make a claim overseas for a medical event related to an undeclared pre-existing condition, the insurer can decline the claim — leaving you personally liable for potentially hundreds of thousands of dollars in medical and evacuation costs. The insurer may also deny unrelated claims if they can demonstrate material non-disclosure. When in doubt, declare all conditions and let the insurer make the coverage decision.
Yes, though some conditions may not be coverable or may attract significant additional premiums. Specialist travel insurers exist for travellers with serious health conditions including active cancer, recent cardiac events, and chronic conditions. Your broker can access specialist markets that standard online comparison sites do not offer. Disclosing everything during the application process is the only way to ensure your cover is valid if you need it.
CoverMy connects you with licensed Australian insurance brokers who compete for your business.
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