Don’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
|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.