Existing Medical Cover

Consider your health

Our policies provide cover for a range of existing medical conditions with some conditions automatically included. For other health conditions you need to complete a health assessment to apply for additional cover. If approved, you may need to pay an additional premium and then you’re ready to go. There is limited cover for pregnancy. For more details on existing medical conditions and pregnancy cover, please refer to the Product Disclosure Statement.
 
We automatically include the Existing Medical Conditions listed in the table following provided:
• all Your Existing Medical Conditions are on this list;
• 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; and
• Your condition satisfies the criteria in the table following.

Condition	Criteria
Acne	No additional criteria.
ADHD (Attention Deficit Hyperactivity Disorder)	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).
Anxiety	You have not been diagnosed with Depression in the last 3 years. In the last 12 months, Your prescribed medication hasn’t changed. You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist). You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety.
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 prescribed oxygen outside of a hospital. You don’t have a chronic lung condition or disease (whether chronic or otherwise) including 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.
Cataracts Glaucoma	In the last 90 days, You haven't had an operation for this condition. You have no ongoing complications of this condition.
Coeliac Disease	No additional criteria.
Congenital Blindness	No additional criteria.
Congenital Deafness	No additional criteria.
Ear Grommets	You don't have an ear infection.
Epilepsy	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 12 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.
Migraine	No additional criteria.
Peptic Ulcer	In the last 12 months, the Peptic Ulcer has been stable.
Gastric Ulcer	In the last 12 months, the 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.

If you are pregnant and want more information about cover for your pregnancy while travelling please see our page Pregnancy Travel Insurance

To get a quote for travel insurance with cover for existing medical conditions that are not included automatically, you will need to use the 'Get Quote' portal on any page at Easy Travel Insurance.

• Enter the travel dates (the day you leave home and the day you return home) your destination(s) and the ages of all travellers that require cover.
• You will need to select the travel plan that suits your needs, and select any options such as cruise cover, snow sports etc.
• Enter the travellers’ details and then you will be asked if any travellers have existing medical conditions to declare, and selecting 'Yes' for any traveller will begin the assessment process for that traveller.
• After you have answered the pre assessment questions you can select the 'Start Assessment' button and then you will be asked to enter the name of the medical condition.
• Enter the first 3 letters of any condition and all available options will be shown.
• Select the condition from the list and answer the multiple-choice questions.
• If you need to add further conditions you can repeat this process until you have entered all conditions requiring cover.
• When you have added all conditions and selected the 'Finish' button the result of the assessment will be displayed on screen and you can choose to accept or decline cover.

Please note if any of your conditions require you to complete an assessment, you will also need to include all other conditions in the assessment even if they would usually be covered automatically.

You will not be required to upload any documents.

Any additional premiums that are required will be shown in the pricing summary onscreen.

The assessment can only be completed online, and only as part of the quote process.

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