Existing Medical Conditions
Is my existing medical condition covered?
Our policies provide cover for a range of existing medical conditions with some conditions automatically included. For other health conditions you need to complete a health assessment to apply for additional cover. If approved, you may need to pay an additional premium and then you’re ready to go. There is limited cover for pregnancy. For more details on existing medical conditions and pregnancy cover, please refer to the Product Disclosure Statement.
We automatically include the Existing Medical Conditions listed in the table following provided.
• all Your Existing Medical Conditions are on this list.
• You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions.
• You are not under investigation for any of the listed conditions.
• You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions.
• Your condition satisfies the criteria in the following table.
Automatically Covered Existing Medical Conditions
| Condition | Criteria for cover |
|---|---|
| Acne | No additional criteria. |
| ADHD (Attention Deficit Hyperactivity Disorder) | No additional criteria. |
| Allergy | In the last 6 months, You haven't required treatment by a medical practitioner for this condition.
You have no known respiratory conditions (e.g. Asthma). |
| Anxiety | You have not been diagnosed with Depression in the last 3 years. In the last 12 months, Your prescribed medication hasn’t changed. You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist). You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety. |
| Asthma | You are less than 60 years of age when You purchase the policy. In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner. You have been a non-smoker for at least the last 18 months. You don’t need prescribed oxygen outside of a hospital. You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis. |
| Bell's Palsy | No additional criteria. |
| Bunions | No additional criteria. |
| Carpal Tunnel Syndrome | No additional criteria. |
| Cataracts Glaucoma | In the last 90 days, You haven't had an operation for this condition. You have no ongoing complications of this condition. |
| Coeliac Disease | No additional criteria. |
| Congenital Blindness | No additional criteria. |
| Congenital Deafness | No additional criteria. |
| Ear Grommets | You don't have an ear infection. |
| Epilepsy | You don't have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke). |
| Gastric Reflux | Your Gastric Reflux doesn't relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer). |
| Goitre | No additional criteria. |
| Graves' Disease | No additional criteria. |
| Gout | No additional criteria. |
| Hiatus Hernia | No additional criteria. |
| Hip Replacement Knee Replacement Shoulder Replacement Hip Resurfacing | The procedure was performed more than 12 months ago and less than 10 years ago. You haven't had any post-operative complications related to that surgery. Post-operative complications include joint dislocation and infection. |
| Hypercholesterolaemia (High Cholesterol) | You don't have a known heart or cardiovascular condition. |
| Hypertension (High Blood Pressure) | You don't have a known heart or cardiovascular condition. You don't have Diabetes (Type 1 or 2). Your Hypertension is stable and managed by Your medical practitioner. In the last 12 months, Your prescribed blood pressure medication hasn't changed. You aren't suffering symptoms of Hypertension. You aren't having investigations related to blood pressure. |
| Migraine | No additional criteria. |
| Peptic Ulcer | In the last 12 months, the Peptic Ulcer has been stable. |
| Gastric Ulcer | In the last 12 months, the Gastric Ulcer has been stable. |
| Plantar Fascilitis | No additional criteria. |
| Raynaud's Disease | No additional criteria. |
| Skin Cancer | Your Skin Cancer isn't a Melanoma. You haven't had chemotherapy or radiotherapy for this condition. Your Skin Cancer does not require any follow-up treatment e.g. chemotherapy, radiotherapy or further excision. |
| Stenosing Tenosynovitis (Trigger Finger) | No additional criteria. |
| Urinary Incontinence | No additional criteria. |
| Underactive Thyroid Overactive Thyroid | The cause of Your Underactive/Overactive Thyroid wasn't a tumour. |
Do you cover me if I am pregnant when I travel?
Generally, our cover automatically covers up to the 24th week of pregnancy, however if you are pregnant and want more information about cover for your pregnancy while travelling please see our Pregnancy page.
How do I add cover existing medical conditions that are not automatically covered?
To get a quote for travel insurance with cover for existing medical conditions that are not included automatically, you will need to use the ‘Get A Quote’ tab on any page at Easy Travel Insurance and begin your quote for travel cover.
You will need to begin a travel insurance quote by providing destinations, travel dates, travellers ages and adding any other options.
When you reach the section asking about the travellers details, you will be asked if you require cover for any existing medical conditions that are NOT automatically covered for each traveller. Here you will be presented with the online assessment for adding cover and you will be able to complete an assessment for any conditions requiring cover. Your assessment result and any additional premium will be shown to you onscreen.
Follow these steps to complete your assessment.
- Enter the travel dates (the day you leave home and the day you return home) your destination(s) and the ages of all travellers that require cover.
- You will need to select the travel plan that suits your needs, and select any options such as cruise cover, snow sports etc.
- Enter the travellers’ details and then you will be asked if any travellers have existing medical conditions to declare, and selecting ‘Yes’ for any traveller will begin the assessment process for that traveller.
- After you have answered the pre assessment questions you can select the ‘Start Assessment’ button and then you will be asked to enter the name/s of the medical condition/s.
- Enter the first 3 letters of any condition and all available options will be shown.
- Select the condition from the list and repeat to add multiple conditions.
- Answer the multiple-choice questions as presented to you.
- If you need to add further conditions you can repeat this process until you have entered all conditions requiring cover.
If any of your conditions require you to complete an assessment, you will also need to include all other conditions in the assessment even if they would usually be covered automatically.
You will not be required to upload any documents or doctors letters etc.
The assessment can only be completed online, and only as part of the quote process. When the assessment has been finalised, you cannot edit or go back into the assessment to add additional conditions. If you have forgotten any conditions you will need to begin the assessment again.
Any additional premiums that are required will be shown in the pricing summary onscreen.