Pre-existing Medical Conditions Travel Insurance
Pre-Existing Medical Conditions
Medical claims abroad can be expensive. If you have an existing medical conditions, please let us know and we can confirm whether we are able to offer cover.
What Are Existing Medical Conditions?
An existing medical condition can include any disease, illness, medical or dental condition or physical defect, even if you received treatment, advice or review many years ago. Therefore, it’s important to read the policy wording very carefully to determine whether you have an existing medical condition.
Travel Insurance does not cover claims directly or indirectly arising from or exacerbated by an existing medical condition or related new infections, unless the existing medical condition is approved by the insurer.
Before you purchase your insurance policy, consider contacting the insurer to disclose any existing medical conditions. You can read the Policy Wording, or speak to Cover-More on 0800 600 725.
Disclosing Information About Your Health
Before you purchase the policy, consider declaring any existing medical condition. There are a couple of ways that you can complete this process, but it is first important to understand that there are three categories of existing medical conditions:
1. Conditions We Automatically Include
There are more than 30 conditions that are covered automatically at no additional cost for all Webjet Travel Insurance policy holders. You can view the full list on pages 17-20 of the Policy Wording.
Please note that cover for these listed conditions only applies provided that:
- You have not been hospitalised or have required treatment by a medical practitioner in the last 12 months for any of these 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
- Your condition satisfies the criteria outlined in the table on pages 17-20 in the Policy Wording
And all of your existing medical conditions are on this list
Please note all time frames are measured in relation to the date/time you purchase your policy unless specified otherwise.
2. Conditions We Need to Assess
If your condition(s) aren’t on the list or do not meet the additional requirements outlined, we may need to complete a medical assessment to determine whether cover can be approved. You can complete a medical assessment in one of two ways:
- Online. You have the opportunity to complete a medical assessment online for each traveller when purchasing travel insurance.
- Call. If you’d prefer to talk to our team to discuss your condition(s), please call 0800 600 725.
3. Conditions We Cannot Cover
Certain conditions cannot be covered under any circumstances, including but not limited to:
- Where travel is undertaken against medical advice
- Conditions that you are travelling to seek advice, treatment or review on.
See the Policy Wording for more information.
Conditions to Pay Particular Attention To
If you suffer from a chronic lung condition, cardiovascular disease or reduced immunity, any new infections or conditions will not be covered unless we have approved cover for the underlying condition and the additional premium has been paid.
See the Policy Wording for more information.
Health of Other People Impacting Your Travel (Non-Travellers)
Webjet Travel Insurance can, under certain circumstances, provide limited cover should your travel plans be affected as a result of a disabling injury, sickness or disease of a non-travelling relative or business partner.
For more information of what can be covered, please see the Policy Wording.
If you are pregnant when you purchase Webjet Travel Insurance, you will need to apply for cover if:
- There have been complications with this pregnancy or a previous pregnancy
- You have a multiple pregnancy, e.g. twins or triplets
The conception was medically assisted, e.g. using assisted fertility treatment including hormone therapies or IVF
Whether you have to apply for cover or not, certain restrictions apply to any claim arising in any way for the pregnancy of any person.
- Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e. up to 23 weeks, 6 days. Please note that gestational age is measured in weeks and days and is calculated from the last known date of Your menstrual period or calculated from staging ultrasound
- Childbirth is not covered
Costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born
Additional requirements and conditions may apply where an Annual Multi-Trip policy has been purchased.
For more information, please see the Policy Wording.
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Webjet Travel Insurance is backed by Cover-More Travel Insurance, one of the world’s leading Travel Insurance and Medical Assistance providers. With 24/7 assistance, 365 days a year, Cover-More can assist their policy holders with medical treatment, payment of hospital bills and even assistance with lost or stolen passports.
The insurer of this product is Zurich Australian Insurance Limited (ACN 000 296 640, an overseas registered company incorporated in Australia) (ZAIL), trading as Zurich New Zealand. Cover-More (NZ) Limited (Cover-More) administers the policy (including customer service, medical assessments and claims management). Webjet Marketing Pty Ltd ABN 84 063 430 848 AR 301380 arranges this insurance as an authorised representative of Cover-More Insurance Services. For further Information on ZAIL’s financial strength rating, please refer to the Financial Strength Web Page.
*Importantly, please note that conditions, exclusions, limits and sub-limits apply. Refer to Policy Wording for more information. Any advice given to You about travel insurance will be of a general nature only and will not take into account Your personal objectives, financial situation or needs. You need to determine whether this product meets Your travel needs and please consider the Policy Wording before making a decision.
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