Pre-existing Medical Conditions Travel Insurance
Medical claims abroad are one of the biggest costs for insurance companies. This is why people who have a higher risk of claiming are forced to pay higher premiums.
If you're one of the people who fall into this category, you'll be aware of just how difficult it is to find travel insurance at an affordable price.
What are pre-existing medical conditions?
Travel insurance for pre-existing medical conditions provides additional cover for conditions such as:
- Heart Disease
- High blood pressure
Standard travel insurance policies do not cover pre-existing medical conditions, putting you at risk if something should happen on your trip.
If you do not disclosure your pre-existing medical condition to your insurer and something happens while abroad, you won't be able to make a claim. Instead, you'll have to fit the bill for your medical costs in a foreign country which can quickly end up costing thousands of dollars.
Good to Know
Why You Need To Have a Medical Screening
Before you receive a quote for your travel insurance policy, you'll be asked a number of in-depth questions about your medical condition. While it can be frustrating, it's important to give as much information as possible to make sure the policy is tailored to your needs.
Disclosing Information About Your Health
It can be tempting to withhold information about your health to reduce the cost of your travel insurance policy. But if something happens while you're abroad and you submit a claim, your insurance company can access your medical records. If they find out you haven't disclosed all your pre-existing medical conditions, they can refuse to payout your claim, and you'll have to foot the bill.
Pregnancy is not considered a pre-existing medical condition unless you've had complications. If you are expecting a child, check the policy to see what it covers up to the 25th week of pregnancy and if you can get an extension from the 26th to 30th week.
If you have a mental illness such as depression or anxiety, it might be covered as a pre-existing condition. It's usually subject to the insurers medical screening process and an additional premium.
Buy Your Travel Insurance As Soon As Possible
It's never a good idea to wait until last minute to buy travel insurance. This is because something might happen before you leave for your trip. If your condition gets worse and you can no longer go, you can submit a claim. You'll be reimbursed, and you can use that money to fund your next holiday once you're feeling better.
Compare Single Trip and Annual Trip Policies
If you have a pre-existing medical condition, it usually works out cheaper to buy a single trip policy if you don't travel that often. However, if you travel throughout the year, an annual plan can work out cheaper in the long run. Make sure you get quotes for both policies so you can compare which option will be the most cost-effective.
Don’t let a pre-existing medical condition stop you from experiencing the joy of travel! You can now declare pre-existing medical conditions online when purchasing a travel insurance policy with Webjet.
We assess a range of medical conditions to evaluate whether we can provide cover for it. Yours may fall into one of the three following categories.
1. Conditions automatically covered at no extra cost
There are 36 medical conditions we may cover at no extra cost.
View the list of pre-existing medical conditions we may cover in the Product Disclosure Statement. Please note that you must not have been hospitalised with the condition (including day surgery or emergency department attendance) in the 24 months prior to the date your policy is issued.
2. Conditions not automatically covered which require assessment
If your pre-existing medical condition isn’t in this list you will be able to apply to have your condition covered by the following methods:
- Online: You have the opportunity to complete a medical assessment online when purchasing travel insurance with Webjet for each traveller.
- Call: If you’d prefer to talk through your condition with one of our friendly team, please call 1800 426 439.
3. Conditions we won’t cover
Unfortunately, we cannot provide medical cover if your pre-existing condition involves the following:
- you are awaiting, or you have had, an organ transplant;
- you have been given a terminal prognosis with a life expectancy of under 24 months;
- you require home oxygen therapy, or you require oxygen for the journey;
- you have AIDS or an AIDS defining illness; or
you have chronic renal failure which is treated by haemodialysis or peritoneal dialysis
For more information please read our Product Disclosure Statement, or call us on 1800 426 439.
Trusted by more than 3 million customers
As Australia and New Zealand's leading online travel agency, Webjet leads the way in online travel tools and technology. Allowing you to compare, combine and book the best domestic deals across Australia, get access to cheap flights, hotel accommodation, holiday packages, car hire and more.
Money back guarantee
If you aren't 100% satisfied with your policy purchase, Webjet has a 14 day money back guarantee meaning you can cancel your purchase and receive a full refund (provided you're not making any claims and neither your trip nor policy has started).
Backed by Allianz Global Assistance
Webjet travel insurance is backed by Allianz Global Assistance, the world leader in travel insurance, assistance and personal services. Whether you've lost your luggage, your camera has been damaged or you've hit any unexpected surprises on your trip, Allianz is looking out for you 24/7.
Webjet Marketing Pty Ltd ABN 84 063 430 848 AR 301380 is an authorised representative of AGA Assistance Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631 trading as Allianz Global Assistance. This insurance is issued and managed by Allianz Global Assistance for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. Terms, conditions, limits and exclusions apply. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision please consider the Combined Financial Services Guide and Product Disclosure Statement (Including Policy Wording). If you purchase a policy, we receive a commission which is a percentage of your premium - ask us for more details.
Webjet Travel Insurance
Webjet Marketing Pty Ltd ABN 84 063 430 848 AR 301380 is an authorised representative of AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance. Travel Insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 and issued and managed by Allianz Global Assistance. Terms, conditions, limits and exclusions apply. Any advice provided is general advice only and has not taken into consideration your individual objectives, financial situation or needs. Before making a decision please consider the Product Disclosure Statement. If you purchase a policy, we receive a commission which is a percentage of your premium - ask us for more details before we provide you with any services on this product.