Pre-Existing Medical Conditions

Travel Insurance and Medical Conditions

Choosing the right travel insurance is difficult enough. Choosing the right travel insurance when you have an existing medical condition is even more difficult.

To help make life a little easier the team at insure4travel has developed a fully integrated, seamless and simple online solution.

Once you have obtained a quote using our fast quote form, the system will  ask a few simple questions to help determine whether we need more details about your health. If we do, then you just type in your condition and you will be asked some easy to understand questions about your condition - you can declare an unlimited number of conditions.

Each of your responses is entered into a complex algorithm which looks at a combination of factors including your destination, (the cost of medical treatment in some countries is much higher than others), and the potential cost of a claim (based on years of amalgamated travel insurance claims data).

In less than a second, you will have an on-screen confirmation advising whether we can cover your conditions – in most cases there is no extra cost. If there is a cost the website will show the cost clearly.

If you decide to take out a policy, your certificate will state your conditions and will confirm that there is cover for claims related to them.

On rare occasions, the system will determine that we cannot provide any cover.

The following is just a sample of some the conditions that we have screened:

  • Abdominal aortic aneurysm

  • Abnormal heart rhythm

  • Addison's disease

  • Allergic reaction

  • Alveolitis

  • Alzheimer's

  • Amyloidosis

  • Anaemia

  • Anaphylaxis

  • Aneurysm

  • Angina

  • Angina continued

  • Angioplasty

  • Angioplasty continued

  • Ankylosing spondylitis

  • Anti cardiolipin syndrome

  • Anxiety

  • Aortic aneurysm

  • Aortic stenosis

  • Aortic valve replacement

  • Arrhythmia

  • Arrhythmia treated with ablation

  • Arthritis

  • Arthroscopy

  • Asthma

  • Asthma diagnosed over age 50

  • Atherosclerosis

  • Atonic bladder

  • Atrial fibrillation

  • Atrial flutter

  • AVM

  • Back and/or neck problems

  • Back pain

  • Basal cell carcinoma

  • Bell's palsy

  • Benign arrhythmia

  • Benign brain tumour

  • Benign ectopics

  • Benign paroxysmal positional vertigo

  • Benign prostatic hyperplasia

  • Benign prostatic hypertrophy

  • Benign tumour

  • Bladder cancer

  • Blind

  • Blocked artery

  • Blood clot

  • Blood infection

  • Blood pressure

  • Bone cancer

  • Born without a kidney

  • Bowel cancer

  • Bowel cancer continued

  • Bowel infarct

  • Bowel obstruction

  • Bradycardia

  • Brain aneurysm

  • Brain haemorrhage

  • Breast cancer

  • Broken ankle

  • Broken leg

  • Broken rib

  • Bronchiectasis

  • Bulging disc

  • Bursitis

  • CABG

  • Cancer of the anus

  • Cancer of the breast

  • Cancer of the prostate

  • Cancer of the stomach

  • Carcinoid tumour

  • Cardiac bypass graft

  • Cardiac bypass surgery

  • Cardiac valve surgery

  • Cardiomyopathy

  • Cardiomyopathy with arrhythmia

  • Carotid artery disease

  • Carotid artery dissection

  • Carotid Endarterectomy

  • Cartilage injury

  • Cartilage problems

  • Cataracts

  • Cellulitis

  • Cerebrovascular accident

  • Charcot Marie Tooth

  • Cholelithiasis

  • Cholesterol levels

  • Chronic airflow limitation

  • Chronic bronchitis

  • Chronic kidney disease

  • Chronic lymphocytic leukaemia

  • Chronic obstructive pulmonary disease

  • Chronic renal failure

  • Claudication

  • CLL

  • Cold agglutinin

  • Colon cancer

  • Colonic polyps

  • Controlled blood pressure

  • COPD

  • Coronary angioplasty

  • Coronary angioplasty continued

  • Coronary artery bypass graft

  • Coronary artery disease

  • Coronary artery disease continued

  • Coronary artery stent

  • Coronary artery stent insertion

  • Coronary heart disease (CHD)

  • Crohn's disease

  • Cryoglobulinaemia

  • De Quervain's thyroiditis

  • Deep vein thrombosis

  • Deep vein thrombosis (PE previously declared)

  • Degenerative spinal disease

  • Dementia

  • Depression

  • Dermatomyositis

  • Detached retina

  • Deviated nasal septum

  • Diabetes

  • Diabetes mellitus

  • Diabetes type 1

  • Diabetes type 2

  • Dilated cardiomyopathy

  • Discectomy

  • Discoid lupus erythematosus

  • Diverticular disease

  • Diverticulitis

  • Diverticulosis

  • Double heart bypass

  • Duodenal cancer

  • DVT

  • Ectopic heartbeat

  • Emphysema

  • Enlarged aorta

  • Enlarged prostate

  • Epilepsy

  • Epiretinal membrane

  • Epistaxis

  • Essential thrombocythaemia

  • Essential tremor

  • Factor 5 Leiden

  • Fibromuscular dysplasia

  • Focal segmental glomerular sclerosis

  • Food allergy

  • Foot drop

  • Frozen shoulder

  • Gall bladder removal

  • Gall stones

  • Gastric banding

  • Giant cell arteritis

  • Gingivitis

  • Glaucoma

  • Granuloma annulare

  • Haematuria syndrome

  • Haemorrhoidectomy

  • Hard of hearing

  • Hardening of the arteries

  • Hashimoto thyroiditis

  • Heart attack

  • Heart block

  • Heart bypass

  • Heart bypass continued

  • Heart failure

  • Heart valve replacement

  • Hereditary cerebellar ataxia

  • Hernia

  • Hiatus hernia

  • High blood pressure

  • High cholesterol

  • Hip prosthesis

  • Hip replacement

  • Hip resurfacing

  • HIV - CD4 more than 350

  • Hydrocephalus

  • Hydrocephalus with shunt

  • Hypercholesterolaemia

  • Hyperpituitarism

  • Hypertension

  • Hyperthyroidism

  • Hypertrophic cardiomyopathy

  • Hypothyroidism

  • Hysterectomy

  • IBS

  • ICD

  • Idiopathic cardiomyopathy

  • Ileostomy

  • Ileostomy reversal

  • Impaired contractility

  • Impaired kidney function

  • Impaired renal function

  • Inflamed prostate

  • Inguinal hernia (groin hernia)

  • Internal cardiac defibrilator

  • Interstitial cystitis

  • Intestinal adhesions

  • Irritable bowel syndrome

  • Ischaemic heart disease

  • Ischaemic heart disease continued

  • Joint pain

  • Joint replacement

  • Joint replacement (non-trauma)

  • Joint replacement (trauma)

  • Kidney cancer

  • Kidney removed

  • Knee cartilage injury

  • Knee reconstruction

  • Knee replacement

  • Laminectomy

  • Laryngeal dystonia

  • Leaky heart valve

  • Left bundle branch block

  • Left ventricular dysfunction

  • Leukaemia

  • Lewy Body Dementia

  • Lichen planus

  • Ligament damage

  • Lower limb ulcer

  • Lumbar disc disease

  • Lung cancer

  • Lupus

  • Lymphoedema

  • Lymphoma

  • Lymphoma (low grade or grade unknown)

  • Macular degeneration

  • Malignant melanoma

  • Malignant melanoma - surgery only

  • Mastectomy

  • Melanoma

  • Metastatic cancer

  • Migraine

  • Mild asthma

  • Mild cognitive impairment

  • Mini stroke

  • Mitral incompetence

  • Mitral valve prolapse

  • Mitral valve regurgitation

  • Mitral valve repair

  • Monoclonal gammopathy of uncertain significance

  • Morton's neuroma

  • Multiple myeloma

  • Multiple sclerosis

  • Mycosis fungoides

  • Myelofibrosis

  • Myocardial infarction

  • Narcolepsy

  • Narrowing of heart vessels

  • Narrowing of urethra

  • Nerve damage

  • Neuralgia

  • Neurogenic bladder

  • Neuropathy

  • Non-Hodgkin's lymphoma

  • Non-tuberculous mycobacterial infection

  • Obstructive sleep apnoea

  • Ocular myasthenia

  • Oesophageal cancer

  • Osteoarthritis

  • Osteopaenia

  • Osteoporosis

  • Ovarian cancer

  • Pacemaker

  • Paget's disease of bone

  • Palpitations

  • Parkinson's disease

  • Paroxysmal atrial fibrillation

  • Pericarditis

  • Peripheral neuropathy

  • Peripheral vascular disease

  • Pernicious anaemia

  • Pituitary adenoma

  • Pituitary tumour

  • Plantar fasciitis

  • PMR

  • Pneumonia

  • Polio

  • Polycythaemia rubra vera

  • Polymyalgia

  • Polymyalgia rheumatica

  • Post-traumatic Stress Disorder

  • Pre-diabetes

  • Presenile dementia

  • Primary biliary cirrhosis

  • Primary Progressive Aphasia

  • Prolapsed disc

  • Prostate cancer

  • Prostatectomy

  • Prostatitis

  • Psoriasis

  • Psoriatic arthritis

  • Pulmonary embolus

  • Pulmonary fibrosis

  • Pulmonary hypertension

  • Quintuple heart bypass

  • Racing heart

  • Raynaud's phenomenon

  • Rectal cancer

  • Reduction of turbinates

  • Removal of appendix

  • Removal of spleen

  • Renal artery aneurysm

  • Renal cancer

  • Renal failure

  • Renal tract infection

  • Resolved acute renal failure

  • Respiratory infection

  • Restless leg syndrome

  • Retinal detachment

  • Retinitis pigmentosa

  • Retinopathy

  • Rheumatoid arthritis

  • Rheumatoid arthritis with joint replacement

  • Rotator cuff injury

  • Sacroiliitis

  • Sciatica

  • Seizures

  • Senility

  • Septic arthritis

  • Septicaemia

  • Shingles

  • Shoulder reconstruction

  • Shoulder replacement

  • Sick sinus syndrome

  • Silent heart attack

  • Silent MI

  • Sinusitis

  • Site of primary tumour

  • Skin cancer

  • Sleep apnoea

  • Slipped disc

  • Spinal decompression

  • Spinal fusion

  • Spinal stenosis

  • Spondylolisthesis

  • Squamous cell cancer

  • Stent

  • Stomach ulcer

  • Stroke

  • Subarachnoid haemorrhage without head injury

  • Supra-ventricular tachycardia

  • Swollen ankles

  • Tachycardia

  • Temporal arteritis

  • Thin basement membrane disease

  • Thoracic aortic aneurysm

  • Throat cancer

  • Thrombocytopaenia

  • Thrombosis

  • Thyroid nodule

  • TIA

  • Transient ischaemic attack

  • Trapped nerve

  • Tricuspid valve regurgitation

  • Triple heart bypass

  • TURP

  • Ulcerative colitis

  • Umbilical hernia

  • Underactive thyroid

  • Urticaria

  • Uterine cancer

  • Uterine cancer - no adjuvant therapy

  • Uterine prolapse

  • Vaginal prolapse

  • Valvular heart disease

  • Vasculitis

  • Vertigo

  • Vestibular neuronitis

  • Vitiligo

  • Von Willebrand's

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Quick Quote

Temporarily Unavailable

We are temporarily ceasing all travel insurance sales.

Following the Australian Government’s advice not to travel overseas, insure4travel has decided to temporarily cease selling policies.

Please refer to the Insurance Council of Australia for a list of alternative providers.

If you are an existing policy holder please refer to our Frequently Asked Questions for information on how your policy will respond as a result of COVID-19.