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Terminal Illness Travel Insurance
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
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Terminal illness Travel Insurance with specialist cover
Being diagnosed with a terminal illness brings new considerations. Sometimes, visiting a destination can become more important than ever. AllClear is ready to help in this circumstance. While some travel insurers exclude cover for those with a terminal diagnosis, we may able to offer a quote – providing certain criteria are met. This article will explain how you could get terminal illness travel insurance from AllClear.
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.
When we can offer a quote
Providing a doctor has confirmed that you are fit to travel; that a transport carrier is prepared to take you; and that your prognosis is not less than six months from the return date of travel.
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.
What does AllClear’s Travel Insurance cover?
Our Travel Insurance protects you against potential disruptions or unexpected events 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.
Our Seniors Travel Insurance policies have no upper age limit. We believe everyone deserves to enjoy a holiday with the right cover, regardless of age.
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.
We know that plans change, but you’re only covered for cancellation if the reason is within the policy terms and conditions.
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.
Get your Travel Insurance quote
Travel with confidence
FAQs
What is the definition for a terminal illness?
A terminal prognosis can be defined as the following: the opinion of your doctor or consultant that a disease cannot be cured or adequately treated, to the extent that it is predicted to cause a shortened life expectancy.
This prediction of a shortened life expectancy is key to the definition, as incurable medical conditions are not necessarily terminal illnesses. If you are ever unsure of your diagnosis, please contact your doctor for confirmation.
What if the doctor has said you are unfit to travel?
Unfortunately, we are unable to go against medical advice, and would not be able to offer cover in this event.
However, if your doctor later confirms you are fit to travel again, we can seek to offer a quote.
Tips for travelling with a terminal illness
- Find out if you’re able to travel to certain destinations. You are committing valuable time, effort and finances for your holiday, so you need to know if your destination is viable for your condition. It can depend on mode of transport, whether immunisations are required, and your treatment plan. Your doctor may be able to help with where and if you should travel.
- Check out the healthcare quality in your destination. Will you be able to get the care you need if you become unwell? This is an essential part of planning your trip. Book safe in the knowledge you’ll be looked after whatever happens.
- Plan for unforeseen loss of medication. Bring more than you need and carry them on you. Also, bring along a note from your doctor and prescriptions if you need additional medicines.
- Let the airline know in advance if you have any special requirements. From early boarding and finding a suitable seat, to special dietary needs and organising oxygen, talking to the airline will improve your flight experience.
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.