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.