Travelling with existing medical conditions.
At TID we believe in continually improving our products and services so that you can focus on the fun. In recent years, we’ve received feedback from our travellers and staff that understanding the policies around pre-existing medical conditions is difficult, so we’ve simplified it.
Why do I need travel insurance for pre-existing medical conditions?
Illness can affect all of us and sometimes there are a lot of complexities arising from a health condition. Your health is important we know that, however travel insurance cover is designed for the "what ifs" that may occur on your trip. If you have an illness or a medical condition requiring a specific type of medication, care or special treatment this falls under your health insurance or Medicare cover. If you have an existing medical condition at the time you buy your policy, the cover described below is further detailed in the policy wording and applies to claims arising from that medical condition. If your condition is not included as automatically covered with TID you will not be covered for any claim arising from that condition, so please read the policy wording carefully.
What is an existing medical condition?
An existing medical condition is one for which, at the time of policy purchase, you have ever:
- had symptoms or been diagnosed;
- been prescribed medication;
- received (or are waiting for) medical treatment;
- received (or are waiting for) tests, investigations or specialist consultation;
- received or been advised to attend a follow-up consultation; and/or
- had surgery or attended a hospital or clinic (as an outpatient or inpatient)
- It also includes any chronic or ongoing medical condition or terminal illness.
This definition applies to you, a member of your travelling party, a close relative, and any other person.
Automatically accepted conditions.
We automatically cover you for over 40 existing medical conditions (shown in the list below) for events that unexpectedly arise from that condition, provided that at the time you buy your policy you satisfy all criteria listed for the condition(s).
Pre-existing medical conditions FAQ's
Can I purchase cover for my other existing medical conditions that are not automatically covered?
No, you can’t buy any additional cover. If you have an existing medical condition that’s not listed above as an automatically accepted condition, or you don’t satisfy all criteria for any listed condition, then you can still buy a policy, but you won’t be covered for any claim that arises in relation to the existing medical condition. If your condition is not included as automatically covered with TID, you can check out nib Travel Insurance who offers the option to apply for cover for existing medical conditions on their travel insurance policies.
What if I develop a medical condition after buying my policy but before I travel?
If you develop a new medical condition (or the symptoms of one) after you buy 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. 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 if an incident happens to a relative related to an existing medical condition?
Cover is available to you when your travel plans are interrupted when a close relative is hospitalised or dies unexpectedly in Australia or New Zealand as a result of a sudden illness or serious injury arising from their existing medical condition(s). Your close relative must be residing in Australia or New Zealand at the time and not travelling with you on any part of your trip. Refer to the policy wording under Section 5.0 Existing Medical Conditions for information on the cover available when your trip is impacted by someone else’s existing medical condition.
Is travelling while pregnant considered an existing medical condition?
There are certain criteria required for pregnancy cover, we recommend visiting our pregnancy page for information on the cover available when travelling whilst pregnant. Refer to the policy wording under Section 6.0 Travelling While Pregnant
Purchased a policy before 7 December 2017?
For information on policies purchased prior to 7 December 2017, refer to Section 5.0 Pre-Existing Medical Conditions of the PDS that was provided to you when you bought your policy. You’re also able to find this by signing in to TID.com.au, or you can always drop us an email at [email protected] and we’ll be happy to resend your documents.
Please read all policy terms, conditions, limitations and exclusions in the policy wording to ensure you understand the cover available, including the sections What’s Covered and What’s Not and the General Exclusions.