Before your trip, check to see if there are current travel alerts for your destination – you can also view the latest government advice. Gaza−Israel conflict: For travellers in, or planning on travelling to, Israel or the Palestinian Territories, please see our travel alert with more information.
Your medical condition is classified by us as an ‘automatically covered condition’ if it’s listed below, provided of course you satisfy all criteria listed for that condition - click each condition to view the criteria.
You must read this section together with the General Exclusions, as these may affect your cover.
You haven’t received treatment for your acne from a medical practitioner in the three months prior to buying your policy.
You follow advice in accordance with your medical practitioner (such as to carry EpiPens, antihistamines/other preventative medication at all times) and, at the time you buy your policy, you:
have no other known or underlying respiratory conditions or diseases (for example, asthma); and
have not required treatment from a medical practitioner for your allergies in the last six months.
No criteria apply.
At the time you buy your policy, you:
are under 60 years of age;
have no other known or underlying respiratory conditions (including sleep apnoea);
haven’t required cortisone medication, except taken by inhaler or puffer; and
haven’t required hospitalisation for asthma in the last two years, including as an outpatient.
No criteria apply.
At the time you buy your policy, you haven’t required hospitalisation for benign positional vertigo in the last two years, including as an outpatient.
At the time you buy your policy, you haven’t had surgery for bunions in the last three months and have no surgery planned.
At the time you buy your policy, you haven’t had surgery for carpal tunnel syndrome in the last three months and have no surgery planned.
At the time you buy your policy, you have no ongoing complications, haven’t had surgery for cataracts in the last three months, and have no surgery planned.
At the time you buy your policy, you haven’t required hospitalisation for coeliac disease in the last two years, including as an outpatient.
No criteria apply.
No criteria apply.
At the time you buy your policy, you:
were diagnosed more than six months ago;
haven't had any complications in the last six months;
have no eye, kidney, nerve or vascular complications;
have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
have no known cardiovascular/coronary heart disease.
No criteria apply.
At the time you buy your policy, you have no current ear infection.
no underlying medical conditions (for example, previous head trauma, stroke);
not changed your medication regime for epilepsy in the last 12 months; and
not required hospitalisation for epilepsy in the last two years, including as an outpatient.
No criteria apply.
Your gastric reflux doesn’t relate to another underlying diagnosis (examples: hernia or gastric ulcer).
At the time you buy your policy, you have no ongoing complications, haven’t had surgery for glaucoma in the last three months, and have no surgery planned.
The underlying medical cause excludes tumour.
At the time you buy your policy, you haven’t received treatment from a medical practitioner for Graves’ disease in the last six months.
The underlying medical cause excludes tumour.
At the time you buy your policy, you haven’t had surgery for hiatus hernia in the last six months and have no surgery planned.
At the time you buy your policy, you have no cardiovascular/coronary heart disease.
have no other known or underlying respiratory conditions (including Asthma); and
haven't required hospitalisation for sleep apnoea in the last two years, including as an
outpatient.
Your condition has been confirmed as benign.
You haven’t required treatment by a medical practitioner for trigeminal neuralgia in six months prior to buying your policy.
At the time you buy your policy you haven’t had surgery for trigger finger in the last three months, and have no surgery planned.
No criteria apply.
My condition is not in this list – what does this mean?
If you have an existing medical condition that's not listed above as an automatically covered condition, or you don't satisfy all criteria for any listed condition, then you can still purchase a policy, but you won't be covered for any claim that arises in relation to the existing medical condition.
If you develop a new medical condition (or symptoms of one) after you purchase your policy but before you depart on your trip, you must check with your medical practitioner for written confirmation that you're fit to travel. If you don't get your medical practitioner's written confirmation before you travel, and/or are unfit to travel due to your medical condition, you won't be covered for any claim that arises either directly or indirectly from that condition if you still travel. Do check the PDS to be sure you understand the policy detail.
Don't forget, if you had symptoms of a condition or were undergoing investigations for it at the time you bought your policy, we consider that to be an existing medical condition.
What do I do if I need Emergency Assistance while on my trip?
Our 24-hour Emergency Assistance team is on call to help you access medical attention or hospitalisation if you’re sick or injured. Our Customer Service team is always available to help you to understand the policy, what you may be covered for and any documentation you need to pick up along the way.
Our travel safety team at TID work to keep customers informed and publish information on major events on our website. Call the Emergency Assistance line or email our team day or night as required.
This is a brief summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.
Last updated: 10 July 2023
How can we help?
Talk to us
1300 843 843 from Australia or
+61 2 8256 1537 from Overseas.