Firstly, this is how we define a pre-existing condition:

Is, in the 12 months before buying the policy:

• a medical or dental condition of which you’re aware, or the related complication you have, or the symptoms of which you’re aware;

• a medical or dental condition currently being, or has been, investigated or treated by a medical practitioner (including dentist or chiropractor);

• any condition for which you have been prescribed medicine. Doesn’t apply to common colds, flu or contraceptive medication;

• any condition for which you’ve had surgery; or

• any condition for which you have seen a medical specialist.

This definition applies to you, your travelling party, a close relative, or any other person named on the Certificate of Insurance

We automatically include cover for specific pre-existing medical conditions (listed below), subject to the following:
• you’ve not been hospitalised for the condition in the past 24 months, and;
• your medications for the condition have remained unchanged for the past 6 months.

The following medical conditions are automatically covered under this policy.

• Acne

• Allergies - limited to rhinitis, chronic sinusitis, eczema, food intolerance, hay fever

• Anxiety – if:

• Your prescribed medication hasn’t changed within the last 12 months, or;

• You have not been diagnosed with depression within the last 3 years, or;

• You do not have any appointments pending with a psychologist or psychiatrist, or;

• You have not needed to cancel or interrupt any previous travel plans due to your anxiety

• Asthma - if you:
• have no other lung disease, and;
• are under 60 years of age on the date of policy purchase

• Attention Deficit Hyperactivity Disorder (ADHD)

• Bell’s Palsy

• Benign paroxysmal positional vertigo (BPPV)

• Bunions

• Carpal tunnel syndrome

• Cataracts

• Coeliac disease

• Congenital blindness

• Congenital deafness

• Depression – if:

• Your prescribed medication hasn’t changed within the last 12 months, or;

• You have not been hospitalised for your depression within the last 2 years, or;

• You do not have any appointments pending with a psychologist or psychiatrist, or;

• You have not needed to cancel or interrupt any previous travel plans due to your depression

• *Diabetes mellitus (also known as Type I diabetes) - if you:

• were diagnosed over 12 months ago, and;

• have no eye, kidney, nerve or vascular complications, and;

• don’t also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia, and;

• are under 60 years of age at the date of policy purchase.

• *Diabetes mellitus (also known as Type II diabetes) - if you:

• were diagnosed over 12 months ago, and;

• have no eye, kidney, nerve or vascular complications, and;

• don’t also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia.

• Dry eye syndrome

• Epilepsy - if there’s been no change to your medication regime in the past 12 months

• Folate deficiency

• Gastric reflux

• Goitre

• Glaucoma

• Graves’ disease

• Hiatus hernia

• *Hypercholesterolaemia (high cholesterol) - if you don’t also suffer from a known cardiovascular disease and/or diabetes

• *Hyperlipidaemia (High Blood Lipids)- if you don’t also suffer from a known cardiovascular disease and/ or diabetes

• *Hypertension (High Blood Pressure) - if you don’t also suffer from a known cardiovascular disease and/or diabetes

• Hypothyroidism - including Hashimoto’s disease

• Impaired glucose tolerance

• Incontinence

• Insulin resistance

• Iron deficiency anaemia

• Macular degeneration

• Meniere’s disease

• Migraine

• Nocturnal cramps

• Osteopenia

• Osteoporosis

• Pernicious anaemia

• Plantar fasciitis

• Raynaud’s disease

• Sleep Apnoea

• Solar keratosis

• Trigeminal neuralgia

• Trigger finger

• Vitamin B12 deficiency

* Diabetes (Type I and Type II), hypertension, hypercholesterolaemia and hyperlipidaemia are risk factors for cardiovascular disease. If you have a history of cardiovascular disease, and it’s a pre-existing medical condition, cover for these conditions is also excluded

If you do not see the medical condition listed here, it is NOT covered. We won’t pay for any claims where that medical condition is a contributing factor.