Existing Medical Conditions
(Your 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. Travel insurance
Part 1: Product Disclosure Statement
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.
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If you have any questions please call Covermore on 1300 72 88 22
