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Travel Insurance for pre-existing medical conditions
Please read the Target Market Determination and Product Disclosure Statement
- Unlimited medical emergency expenses cover with 24/7 emergency medical helpline
- Unlimited cancellation cover available
- No upper age limit
Why do you need Travel Insurance for pre-existing conditions?
The Australian Bureau of Statistics found one in two people in Australia had at least two chronic conditions. Travel insurance for pre-existing conditions protects you from potentially high medical costs if your condition flares up or needs emergency medical attention while overseas. Travelling without this cover puts you and your trip at risk.
Even the well-managed conditions can become more challenging in unfamiliar settings, with changes in routine, diet, climate, and activity levels, out of your routine and far from the medical support system you're familiar with. Eating different food, drinking more, and doing those once-in-a-lifetime things — whether it’s walking tours in Europe or diving in Bali — can increase your risk of needing medical care while overseas.
Without cover, any emergency treatment or hospitalisation could come at a significant personal cost. With Travel Insurance that covers your pre-existing conditions, you can travel with peace of mind.
A Travel Insurance Survey jointly commissioned by the Insurance Council of Australia (ICA) found most insurance policies don’t cover pre-existing conditions and 32% of survey respondents didn't know that.
At AllClear, we’re a specialist Medical Travel Insurance provider so you can cover the medical conditions you declare and travel with peace of mind.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
What is a pre-existing medical condition?
If you’ve been diagnosed with any medical conditions or are taking any medication, it’s important you declare them. You will need to declare any medical conditions that fall within the medical warranty.
- You’ve been prescribed any medication in the last two years.
- You’ve been admitted to the hospital or had surgery in the last two years.
- You’ve ever had cancer, even if you’re now in remission.
- You’ve ever had a heart or lung condition, even if you’re recovered now.
- You’re waiting to have a medical complaint investigated.
We can cover all pre-existing medical conditions.
Pre-existing medical conditions covered by AllClear
Find out what to do if you need emergency medical assistance when on holiday.
- Cardiac conditions such as high blood pressure, atrial fibrillation and heart conditions
- Respiratory conditions such as asthma, COPD and lung diseases
- Diabetes
- Stroke
- Mental health conditions such as depression and anxiety
- Chronic conditions such as cancer, Crohn’s disease and epilepsy
Any condition can become more difficult to manage overseas. We’re here to cover you on your trip and to make sure that if you need emergency help you can access it.
What does AllClear’s Travel Insurance cover?
Our Medical Travel Insurance protects you against medical emergencies while you’re travelling the world.
What's covered?
Costs of tests, medications, and procedures needed to treat an illness or injury while travelling. You’ll also be covered for repatriation to bring you safely back home.
Cover for flight and accommodation costs if an unexpected event means you have to cancel your trip before you go.
Cover for emergencies that force you to return home early.
Compensation for extra costs if your flight is delayed.
Insures your baggage and its contents against loss or theft.
Cover for legal costs to claim compensation for incidents during your trip.
What’s not covered?
For most claims, you won’t be covered for the travel insurance excess (the first part of any claim).
Your cover is limited to trips within the designated region of cover you chose, whether that’s Australia or overseas.
Claims related to events or issues that you knew about before buying the travel insurance or before booking any individual trip are not covered.
You need to declare all your medical conditions. If not, we won’t be able to cover you for any unexpected treatment connected to known health concerns.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Levels of Travel Insurance cover
We offer three levels of cover: Gold Plus, Gold and Traveller. The Traveller product is only available for Single Trip policies. This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Why choose
AllClear Travel Insurance?
94%
of reviews rate us Excellent or Great. Based on 1900+ Trustpilot reviews, July 2025
98%
of customers would recommend AllClear to family and friends. Based on AllClear’s post purchase survey, 373 responses, correct as of 29/05/25
99%+
of customers would consider buying from us again. Based on AllClear’s post purchase survey, 373 responses, correct as of 29/05/25
How to find the best holiday insurance for travelling with pre-existing conditions?
The best holiday insurance is one you can adapt to your holiday. This is particularly relevant for people who need more comprehensive cover, including people with pre-existing medical conditions.
Annual Multi-trip Travel Insurance
For frequent travellers, this covers multiple trips over the year.
Single Trip Travel Insurance
For a one-off holiday, covers your trip from start to finish.
Customise your Travel Insurance for peace of mind
View our add-ons that can enhance your cover.
Tailor your policy now so you're protected on your next adventure.
Cruise Travel Insurance
Going on a voyage? Get award-winning Cruise Travel Insurance for your next trip.
Adjust your excess
You can choose to pay zero excess in the event of a claim or pay double excess, with a reduced premium.
Travelling Companion
Protect your friends and family if they can’t travel due to your medical conditions.
Winter sports
Cover for your winter sports, whether snowboarding, skiing or sledding.
Golf
Cover for your golfing equipment, green fees and more
Being covered is as easy as 1, 2, 3
Get your quote in seconds
Provide your personal details and information about your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Our experts say
“Travel doesn't always go as planned. Travel insurance covers unexpected events, whether you are travelling overseas or within Australia. Without it, you or your family could face significant financial hardship. Travel doesn't always go as planned. Travel insurance covers unexpected events, whether you are travelling overseas or Travel doesn't always overseas or.”
What our customers say
“It took me a long time to find a travel insurer for the over 80s disposed to really consider pre-existing medical conditions. I found one in AllClear Travel Insurance. Even better since I struggle sometimes with complex questionnaires on web-based systems, when I rang their helpline for some help the help was first class and I ended up with the cover I sought for what I thought was a competitive premium.”
see full reviewFAQs
How much is Travel Insurance for pre-existing conditions?
How much you’re quoted for Travel Insurance depends on a range of factors. Where you’re going, how long for and what you want to do can all affect your price.
Who’s travelling can also affect your price. If you or someone you’re with has a pre-existing medical condition, your premium will likely be higher than a quote for someone without the condition. We always do our best to keep our quotes competitive, and we can offer advice to help you keep things as cost-effective as possible.
If you want to get a quote or talk about one, call us. Our friendly travel insurance experts are on-hand to answer all your questions.
Can you get Travel Insurance with pre-existing conditions?
Yes you can, you just have to get it from the right provider. Some providers may not cover you for expenses related to your medical condition or might exclude you altogether.
At AllClear, we cover all pre-existing conditions. We also don’t have any maximum ages for our medical cover. If you want to travel, we want to help you do it.
What happens if you don’t declare a pre-existing condition?
You must declare all pre-existing conditions. If you don’t, any claims may not be approved. Even if the claim is for a seemingly unrelated medical condition or an accident, we may refuse to cover it. The wording is in all our policy terms and conditions.
It’s important we have all the information we need to give you a correct price and level of cover.
How do you declare a pre-existing medical condition?
Our three-step process for buying Travel Insurance is quick and simple. You can buy it online or over the phone. Either way, we’ll ask about pre-existing conditions. This could be something you’re having investigated or already have diagnosed. If you’ve had tests or been to the doctor for something in the last two years, we’ll want to consider it.
When you tell us, we’ll ask you to complete a medical screening where we ask you relevant questions about your condition. We’ll then provide you with a quote.
We’re here to help
Emergency assistance 24/7
Find out what to do if you need emergency medical assistance when on holiday.
Need to make a claim?
Find out what to do if you need to make a claim under your Travel Insurance policy.
Product Disclosure Statement
Find out all the cover details of the different policies.
Get your Travel Insurance quote
Travel with confidence
