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How To Travel with an Existing Medical Condition

Good news: thanks to our innovative approach to travel insurance, more of our customers with existing medical conditions (EMCs) are automatically approved without having to go through an assessment process.

Ready to buy? Get a free online quote or call our helpful Phone Sales team on 1300 72 88 22 to find out how affordable covering pre-existing medical conditions can be.

Which existing medical conditions does Cover-More automatically include?

We automatically include the existing medical conditions listed in the table below as long as:

  • 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 table following; and
  • All your existing medical conditions are on this list below.

All time frames are measured in relation to the Relevant Time, unless specified otherwise.

The conditions we automatically cover and their criteria are:

Condition Criteria
Acne 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).
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 oxygen outside of a hospital.
You don't have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Asthma, 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.
In the last 90 days, You haven't had an operation for this condition.
You have no ongoing complications of this condition.
Coeliac Disease In the last 6 months, You haven't been treated by a medical practitioner for this condition.
Congenital Blindness No additional criteria.
Congenital Deafness No additional criteria.
Ear Grommets You don't have an ear infection.
Epilepsy In the last 2 years, You haven't required medical treatment for this condition.
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 6 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.
Menopause You don't have Osteoporosis.
Migraine No additional criteria.
Gastric Ulcer
Peptic Ulcer
In the last 12 months, the Peptic/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.

To be clear, the conditions we automatically include only apply if you do not have other existing medical conditions beyond those on this list.

If your existing medical condition falls outside the criteria under Conditions We Automatically Cover, we may still be able to cover you for an additional premium, subject to the outcome of a short medical assessment. Get a quote to complete an online medical assessment.

As you fill in your details simply select “Yes” to the question “Do any travellers require cover for an existing medical condition or pregnancy?” You will then be led through our online medical assessment.

Which existing medical conditions does Cover-More need to assess?

If your condition:

  • Does not meet the criteria above;
  • You have one or more conditions which are not listed in the table of conditions we automatically include; or
  • A combination of both the above points

...you will need to complete an online health assessment by declaring all your existing medical conditions to us.

Which conditions does Cover-More not cover?

Please note: under no circumstances is travel insurance cover available for:

  • Conditions involving drug or alcohol dependency.
  • Conditions for which you are travelling to seek medical treatment or review.
  • Travel booked or undertaken against the advice of any medical practitioner.

If you have any difficulties with the process or want a quote for cover, please contact our Customer Service team for assistance on 1300 72 88 22.