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 existing medical conditions is difficult, so we’ve simplified it.
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 - which is why we've designed our travel insurance cover for the unexpected illnesses or events 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 might fall under your health insurance or Medicare cover instead.
If you have an existing medical condition at the time you buy your policy, the cover described below is further detailed in the PDS 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 PDS carefully.
What is an existing medical condition?
An existing medical condition is any medical condition which:
We automatically cover you for over 40 existing medical conditions which may exist at the time you buy your policy. Your medical condition is classified by us as an ‘automatically covered condition’ if it’s listed below, provided that 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.
Coronavirus is subject to the same existing medical conditions definition as all medical conditions. Read the PDS for details on coverage. Cover is explained in detail here.
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 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.
Cover isn't 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). Refer to the PDS under the Existing Medical Conditions section for information on the cover available when your trip is impacted by someone else’s 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 PDS under the pregnancy section.
Please read all policy terms, conditions, limitations and exclusions in the PDS to ensure you understand the cover available, including the sections What’s Covered and What’s Not and the General Exclusions.