Existing Medical Condition

(You Or Your Travelling Companion’s) This policy does not automatically cover claims arising from, or exacerbated by, some existing medical conditions.

What is an Existing Medical Condition?

a) Any physical defect, condition, illness or disease for which treatment, medication or advice (including investigation) has been received or prescribed by a medical or dental advisor in the 90 days prior to the Relevant Time; or
b) Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease medically documented prior to the Relevant Time.

‘Relevant Time’ in respect of:

a) Single Trip policies means the time of issue of the policy.
b) Annual Multi-Trip policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.

If you are unsure whether you have an existing medical condition please phone Cover-More.

Conditions We Automatically Cover For Free

Subject to the requirements shown, this policy automatically covers:

Acne – If you have not required treatment by a medical practitioner in the last 60 days.

Allergies – If the condition has not required treatment by a medical practitioner in the last 6 months and you have no known respiratory conditions e.g. Asthma.

Asthma – If no exacerbation requiring treatment by a medical practitioner in the last 12 months. You must also be under 60 years of age.

Breast / Prostate / Kidney / Bowel / Colon Cancer – If you were diagnosed over 6 months ago, have not had any chemotherapy or radiotherapy in the last 6 months, your cancer has not spread beyond the primary site at any time and your journey is less than 6 months. In respect of prostate cancer you must also have a PSA of 10 or less.

Cataracts / Glaucoma – If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last 30 days.

Coeliac Disease – If the condition has not required treatment by a medical practitioner in the last 6 months.

Diabetes / Glucose Intolerance – If you were diagnosed over 6 months ago and have not had any complications in the last 6 months. You must also have a Blood Sugar Level reading between 4 and 12 or a HbA1C score of 9% or less. You must also have not been investigated for or diagnosed with kidney, eye or nerve complications.

Ear Grommets – With no current infection.

Epilepsy – If there are no underlying medical conditions (e.g. previous head trauma,stroke) and you have not required treatment by a medical practitioner for a seizure in the last 2 years.

Gastric Reflux – If the condition does not relate to another underlying diagnosis (e.g. Hernia / Gastric Ulcer).

Gout – If the gout has remained stable for the last 6 months.

Hiatus Hernia – If no surgery is planned.

Hip / Knee Replacement – If performed more than 6 months ago and less
than 10 years ago.

Hypercholesterolaemia (High Cholesterol) – If you have no known heart conditions.

Hypertension (High Blood Pressure) – If you have no known heart conditions and
your current blood pressure reading is lower than 165/95.

Menopause – Provided you do not suffer from Osteoporosis.

Peptic / Gastric Ulcer – If condition has remained stable for the last 6 months.

Skin Cancer (excluding Melanoma) – Provided the skin cancer was excised more than 30 days ago.

Underactive / Overactive Thyroid – If not as a result of a tumour.

2. Other Conditions (Extra Cost Applies)

Many conditions not listed above can still be covered, but only if you pay the extra premium specified on our Medical Assessment Form.
For conditions next to “No Assessment Required” below, simply pay the extra premium for cover to apply.
For conditions next to “Assessment Required” below, submit our Medical Assessment Form and, if approved you will need to pay an extra premium for cover to apply.

For Travellers To:

New Zealand Or Within Australia (excludes Norfolk Island and Inbound Policies)

• Anxiety, depression, mental or nervous disorders
• Terminal conditions                                                 Assessment Required

All conditions not specified above                               No Assessment Required

Europe, The Middle East, Asia, UK, SW Pacifi c or Norfolk Island

Assessment Required for Below

• Anxiety, depression, mental or nervous disorders
• Cancer*
• Cerebrovascular conditions (e.g. stroke, transient ischaemic attack (TIA))
• Dementia / Alzheimers disease
• Diabetes*
• Heart conditions
• Hypertension*
• Kidney conditions
• Liver conditions
• Organ transplant
• Peripheral vascular disease
• Reduced immunity (e.g. as a result of a condition or medication)
• Respiratory or lung conditions*
• Terminal conditions
• Conditions for which you;
– are under investigation or on a treatment waiting list
– have changed your medications in the last 60 days
– have been treated by a medical practitioner in the last 90 days*
* If the condition satisfies the requirements of Point 1. on page 7, you are covered automatically and free of charge.

All conditions not specified immediately above             No Assessment Required

Americas Or Africa

All conditions not specified above in the Existing Medical Conditions Requires an Assessment

† Under no circumstances is cover available for:
• Conditions involving the back or neck, or drug / alcohol dependency
• Conditions for which you are travelling to seek medical treatment or review
• Travel booked or undertaken against the advice of any medical adviser

Medical Assessment Forms

Download Medical Assessment Form

If you are purchasing a Travelsure travel insurance policy please use the Travelsure Medical Assessment Form you will then need to send by post or fax to covermore for approval.

Once you have received the approval number you can enter this on the Quote result page to be covered by Covermore and Great lakes Australia (Underwriter). 

These can also be accessed at the covermore.com/assessment:    

Note: If you make your assessment through Covermore you will need to return to Travel Insurance Saver to receive up to 30% discount on your travel insurance policy.