Travel Insurance for Pre-Existing Conditions (Over 40s)
A practical guide for Australians over 40: what “pre-existing” can mean, what to check before you buy, and how to avoid unpleasant surprises when travelling.
Important: This page is general information only and not medical or financial advice. Always check the insurer’s PDS and ask the provider if you’re unsure.
Quick Checklist Before You Buy
- Declare accurately: answer medical questions honestly and keep a copy of what you submitted.
- Confirm coverage: don’t assume it’s included—check if your condition is covered, excluded, or needs assessment.
- Understand “stable” rules: some policies use stability periods (e.g., no change in meds).
- Get it in writing: if a provider confirms cover, save the email or reference number.
- Know what triggers a denial: missing details can affect claims later.
What Counts as a “Pre-Existing Condition”?
Each insurer defines “pre-existing condition” differently, but it commonly refers to an illness, injury, symptom, or medical issue that existed (or was being investigated) before you bought the policy or before your trip begins.
It can include diagnosed conditions, ongoing treatment, recent symptoms, changes in medication, or even planned procedures. The safest approach is to treat anything relevant as “declare and confirm” rather than “hope it’s fine”.
Why This Matters (Especially Over 40)
For travellers over 40, the main risk is not the trip itself—it’s what happens if you need medical care overseas and the insurer decides the event relates to a condition that wasn’t declared (or wasn’t covered under the policy terms).
- Claims decisions depend on the policy wording, your declarations, and medical evidence.
- “Not disclosed” can become an issue if you missed something the insurer asked about.
- Coverage may be offered with conditions (extra premium, exclusions, or limited benefits).
The Safer Way to Handle Pre-Existing Conditions
- Step 1: Make a short list of any diagnoses, recent symptoms, medications, or investigations.
- Step 2: Use provider medical screening (if available) and answer questions carefully.
- Step 3: Confirm the outcome: covered / excluded / assessed / extra premium.
- Step 4: Save proof: screenshots, emails, reference numbers, and the policy certificate.
Common Questions (Quick Answers)
Do I always need medical screening?
Not always, but if you have any conditions, symptoms, or medication changes, screening can be the clearest way to confirm what is covered and what is excluded.
What if my condition is “stable”?
Some insurers use “stability” criteria (for example, no medication changes for a set period). Stability rules vary by provider, so you need to verify it with the insurer’s own wording.
Is cheaper travel insurance riskier?
Not necessarily—but cheaper policies may have lower limits, higher excess, or stricter exclusions. Always compare using the same checklist.
What to Do Next
- Start with the main guide if you want a simple overview and a safe starting point.
- Use the compare page checklist to evaluate providers consistently.
- If you’re travelling to Bali (or doing activities), read the destination guide before buying.
Disclosure: We may earn a commission from qualifying purchases. Disclaimer: General information only. Always check policy wording and ask the provider to confirm coverage and exclusions for your situation.