Qantas - Qantas Frequent Flyer
Member since 28 Aug 2015
Total posts 60
I have some family members travelling to the states and looking to get travel insurance which covers their pre-existing medical conditions. Nothing too serious, but most insurers seem to either refuse or quote an insane amount. Can anyone recommend any reasonably priced insurers which perhaps specialise in this field?
Delta Air Lines - SkyMiles
Member since 16 Oct 2017
Total posts 135
Member since 24 Apr 2012
Total posts 1,093
Good suggestion on Compare The Market: just keep in mind that the site is commission-based and thus doesn't actually list all available products in the market (only those from companies that have chosen to pay the site money when you apply for cover), and you could also find that pricing via that site (and others similar) may differ to what you can get direct from the insurer - so if you find a policy on there that appeals, see if you can replicate the quote directly with the nominated insurer, and you might save even more. :)
Singapore Airlines - KrisFlyer
Member since 08 Jun 2018
Total posts 123
Your key phrase relating to pricing is ‘to the states’. Was actually talking to a Doctor friend last night. He has a minor medical condition which impacts his annual travel insurance policy. At most recent renewal his insurer suggesting removing coverage for the US and the premium dropped by over 50%
Member since 23 Mar 2012
Total posts 67
I can relate to the cost of coverage and even being able to get cover for pre-existing conditions. In the past I have found Covermore and an online product called Insureandgo reasonable. As with most of these products the price can vary for thew same person on different trips. They are never 'cheap'.
Member since 18 Jan 2017
Total posts 22
Always read the policy with scrupulous care before signing up. Travel insurers are renowned for finding reasons not to pay claims, and pre-existing conditions are high on the list of refusals even though they are said to be "covered". If you were wearing blue socks when your chronic iron deficiency put you in hospital on Tuesday afternoon your claim would be refused because buried on page 36 in fine print it says only red socks are covered for medical events on a Tuesday after midday (unlikely example only, but you get the idea!).
Member since 28 Jan 2014
Total posts 21
Try Southern Cross Travel Insurance (scti.com.au) - I have found they cover a whole range of Pre-existing conditions, with varying extra premiums, but are generally one of the cheapest.
Member since 06 Mar 2019
Total posts 2
I use either SCTI or Insure and Go, the pre-existing loading is generally not to bad, easy online screening, just be totally honest.
Great, thanks everyone - will look into those options
Virgin Australia - Velocity Rewards
Member since 10 Jan 2012
Total posts 98
SCTI, CoverMore and Sure Save all offer cover for pre-existing medical cover, but for any cover you'll need to do the medical assessment to determine if the illness is acceptable.
Member since 17 Mar 2016
Total posts 17
Try QBE they are very helpful with existing Medical Conditions particularly if stable condition & will be cheaper than most. I have had QBE Travel Insurance several times over last few years, traveling to US twice, Hong Kong, China & will have another Travel Ins later this year. QBE lists a range of existing Medical Conditions which are stable & therefore no penalty with premium. I am also over the age of 65 so again I do not suffer any penalty due to my age which is an issue with other Travel Insurers
Member since 09 Sep 2013
Total posts 93
Insure&go user here also.
Member since 15 Mar 2019
Total posts 1
CoverMore paid out on largish claim last June for hospital stay in Lyon. Great service, plenty of follow-up.Also happy to reinsure me for a June 2019 holiday in Thailand. For best CoverMore deal arrange via Australia Post
Member since 13 Sep 2013
Total posts 4
I had a claim last year in the USA with a burbling appendix. A week in hospital then a flight home. I was with Chubb and they were unbelievable. Sorted the hospital. All out of pockets were paid within 7 days.
Hi Guest, join in the discussion on
Travel Insurance for Pre-existing Medical Conditions
Already have an ET account? Log in below.
Signing up with Executive Traveller only takes a second and lets you
interact with our community. It's completely free and we'll never pass your information on to
Didn’t receive an activation email? Resend one to yourself here.
If you’ve forgotten your password, simply enter your email address
below, then click 'Submit'. We’ll send you an email to re-activate your account and enter a new password.
If you have not received the activation email, simply enter your email address below, then click 'Submit'. We’ll send you an email containing the activation link.
Subscribe to our free newsletter and get the latest news, reviews, tips and more sent straight to your inbox