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LifestyleDon’t let the past hold you back – Seniors Travel Insurance automatically covers you for selected pre-existing medical conditions.
When you travel with Australian Seniors by your side, you’re covered for up to 31 specified medical conditions – even if you’ve already been diagnosed or shown symptoms.1 It’s our way of helping you make the most of your trip and forget about past difficulties.
Refer to the information below for a list of eligible conditions, as well as any exclusions or additional terms you need to be aware of.
Getting cover for your pre-existing medical conditions
Selected pre-existing conditions will be covered provided you meet the full criteria listed in our Product Disclosure Statement. Each condition may also have its own additional criteria you need to meet. The table below lists the eligible conditions you may be covered for as well as the specific criteria for each.
Pre-Existing Medical Conditions We Automatically Cover
We automatically cover the Pre-Existing Medical Conditions listed provided:
- You have not been hospitalised or required treatment by any registered medical practitioner in the last 12 months for any of the listed conditions; and
- You are not under investigation for any of the listed conditions; and
- You are not awaiting investigation, surgery, treatment or procedures for any of the listed medical conditions; and
- Your condition satisfies the criteria in the table
| CONDITION | CRITERIA |
| Acne | No additional criteria. |
| Allergy |
You have no known respiratory conditions e.g. asthma; and You haven’t required treatment by a medical practitioner in the last 6 months. |
| Asthma |
You are under 60 years of age; and In the last 12 months, you haven’t had an asthma exacerbation requiring treatment by a medical practitioner; and You don’t have a chronic lung condition or disease. |
| Bell’s Palsy | No additional criteria. |
| Bunions | No additional criteria. |
| Carpal Tunnel Syndrome | No additional criteria. |
| Cataracts | In the last 90 days you haven’t had an operation for this condition. |
| Glaucoma | You have no ongoing complications for this condition. |
| Coeliac Disease | In the last 6 months you haven’t been treated by a medical practitioner for this condition. |
| Congenital Blindness | No additional criteria. |
| Congenital Deafness | No additional criteria. |
| Ear Grommets | You haven’t had an ear infection in the last 3 months. |
| Epilepsy |
In the last 2 years you haven’t required treatment; and 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 and Shoulder Replacement | The procedure was performed more than 6 months ago and less than 10 years ago. |
| Hip Resurfacing | You haven’t had any post-operative complications related to the surgery. |
| 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; and You don’t have diabetes type 1 or type 2; and In the last 12 months your blood pressure medication has not changed; and You aren’t suffering symptoms of hypertension. |
| Menopause | You don’t have Osteoporosis. |
| Migraine | No additional criteria. |
| Peptic Ulcer/Gastric Ulcer | In the last 12 months, the Peptic/Gastric Ulcer has been stable. |
| Plantar Fasciitis | No additional criteria. |
| Raynaud’s Disease | No additional criteria. |
| Skin Cancer |
Your skin cancer is not a melanoma; and You haven’t had chemotherapy or radiotherapy for this condition; and Your skin cancer does not require any follow up treatment. |
| 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. |
Pre-existing medical conditions which we cannot cover
Under no circumstances will you be covered for:
- A terminal illness.
- Conditions involving drug or alcohol dependency.
- Travel booked or undertaken against the advice of any medical practitioner.
- Conditions for which you are travelling to seek medical treatment, review, or to participate in a clinical trial.
What you need to know
Cover for any pre-existing medical condition listed above is subject to the terms in our Product Disclosure Statement. Please read the relevant section carefully to ensure you will be covered.
You will need to complete an online health assessment if your condition/s is not listed in the table above or does not meet the specified criteria.
You will need to declare all your pre-existing medical conditions to us at the time of taking out a policy – simply complete the online health assessment form when obtaining your quote.
Additional terms and conditions apply for cover relating to pregnancy. Please refer to our Product Disclosure Statement for more information.
Travel Insurance FAQsFrequently Asked Questions
Am I covered for any claims related to COVID-19?
Your policy contains a general exclusion relating to pandemics. This means there is no cover for cancellation or rearrangement costs due to COVID-19 or for medical-related expenses if you contract COVID-19. The pandemic exclusion applies to all policies regardless of when your policy was purchased or your dates of travel.
If you are overseas and need emergency medical assistance, please contact our 24/7 Emergency Assistance team using the details listed below:
Seniors Emergency Assistance phone: +61 2 8883 7006
Seniors Emergency Assistance email: seniors24assist@hollard.com.au
How much excess will I pay when making a claim?
With our international cover options, you can choose between $0, $100, or $200 excess when setting up your policy. For our domestic cover, the excess payable is $50 per claim.
Can I cancel my travel insurance policy with Australian Seniors?
You are free to cancel your policy at any time, however you will only receive a refund if you cancel within the 14-day cooling off period and you have not exercised any rights under the policy.
Will my children or grandchildren be covered under this policy?
Yes – we will automatically cover any dependent children or grandchildren travelling with you at no extra cost, as long as they are under the age of 21 and listed on your policy. Additional terms and conditions in our Product Disclosure Statement may apply.
Does Seniors Travel Insurance cover trip cancellations?
Yes – cancellations are covered for certain events listed in our Product Disclosure Statement. Please note that we will not cover cancellations due to change of mind (such as if you no longer wish to travel or would like to change your destination).
What is the maximum trip duration covered under Seniors Travel Insurance?
Our single trip policies cover journeys up to 12 months long.
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Destinations- Terms, conditions, and exclusions not listed here may apply. Refer to the Product Disclosure Statement for more information.
Travel the safer way
For total peace of mind on your trip call our friendly team today. We’re here 8am to 8pm Monday to Friday, and 9am to 2pm Saturdays on 1300 051 095.