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      Home / Conditions We automatically cover for FREE

      Existing medical conditions we automatically cover

      At Cover-More, we automatically provide cover for several existing medical conditions (listed below with their individual criteria) for no additional premium provided each traveller included in the policy meets all the following criteria:

      1. All the traveller’s existing medical conditions are on the list.
      2. The traveller has not been hospitalised or required treatment from a medical practitioner in the last 12 months for any of the listed conditions
      3. The traveller is not under investigation for any of the listed conditions
      4. The traveller is not awaiting investigation, surgery, treatment, or procedures for any of the listed conditions, and
      5. The traveller’s condition satisfies the relevant criteria for that condition.

      If not, the traveller will need to complete our online medical assessment and declare all their conditions, including those we automatically include. This is a requirement even if you don’t wish to apply for cover for any conditions not automatically included.

      Note: When we refer to a timeframe in the criteria of an automatically included condition in the list below, this is based on the “relevant time” unless specified otherwise. “Relevant time” means:

      • For Single Trip policyholders: at the time the policy is issued.
      • For Annual Multi-Trip policyholders: the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.

      Existing medical conditions we automatically include and their individual criteria (which is in addition to the general criteria above):

      Acne

      • No additional criteria.

      ADHD (Attention Deficit Hyperactivity Disorder)

      • No additional criteria.

      Allergy

      • The traveller hasn’t required treatment by a medical practitioner for this condition in the last six months.
      • The traveller has no known respiratory conditions (example: asthma).

      Anxiety

      • The traveller hasn’t been diagnosed with depression in the last three years.
      • The traveller’s prescribed medication hasn’t changed in the last 12 months.
      • The traveller isn’t currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist).
      • The traveller hasn’t previously been required to cancel or curtail their travel plans because of their anxiety.

      Asthma

      • The traveller is less than 60 years of age when they purchase the policy.
      • The traveller hasn’t had an asthma exacerbation requiring treatment by a medical practitioner in the last 12 months.
      • The traveller has been a non-smoker for at least the last 18 months.
      • The traveller doesn’t need prescribed oxygen outside of a hospital.
      • The traveller doesn’t have a chronic lung condition or disease (whether chronic or otherwise) including chronic bronchitis, chronic obstructive pulmonary disease (COPD), emphysema, or pulmonary fibrosis.

      Bell’s Palsy

      • No additional criteria.

      Bunions

      • No additional criteria.

      Carpal Tunnel Syndrome

      • No additional criteria.

      Cataracts or Glaucoma

      • The traveller hasn’t had an operation for this condition in the last 90 days.
      • The traveller has no ongoing complications of this condition.

      Coeliac Disease

      • No additional criteria.

      Congenital Blindness

      • No additional criteria.

      Congenital Deafness

      • No additional criteria.

      Depression

      • The traveller hasn’t been hospitalised for this condition in the last two years.
      • The traveller’s prescribed medication hasn’t changed in the last 12 months.
      • The traveller isn’t currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist).
      • The traveller hasn’t previously been required to cancel or curtail their travel plans because of their depression.

      Diabetes or Glucose Intolerance

      • The traveller was diagnosed six months ago.
      • The traveller hasn’t had any complications of this condition in the last six months.
      • The traveller has a HbA1C score of mmol/mol 75 or less.
      • The traveller isn’t currently undergoing any treatment for kidney, eye, or nerve complications.

      Ear Grommets

      • The traveller doesn’t have an ear infection.

      Epilepsy

      • The traveller doesn’t have an underlying medical condition (e.g. previous head trauma, brain tumour, or stroke).

      Gastric Reflux

      • The traveller’s 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, Shoulder Replacement, or Hip Resurfacing

      • The traveller’s procedure was performed more than 12 months ago and less than 10 years ago.
      • The traveller hasn’t had any post-operative complications related to that surgery. Post-operative complications include joint dislocation and infection.

      Hypercholesterolaemia (High Cholesterol)

      • The traveller doesn’t have a known heart or cardiovascular condition.

      Hypertension (High Blood Pressure)

      • The traveller doesn’t have a known heart or cardiovascular condition.
      • The traveller doesn’t have diabetes (Type I or Type II).
      • The traveller’s hypertension is stable and managed by their medical practitioner.
      • The traveller’s prescribed blood pressure medication hasn’t changed in the last 12 months.
      • The traveller isn’t suffering symptoms of hypertension.
      • The traveller isn’t having investigations related to blood pressure.

      Migraine

      • No additional criteria.

      Peptic Ulcer or Gastric Ulcer

      • The peptic/gastric ulcer has been stable in the last 12 months.

      Plantar Fasciitis

      • No additional criteria.

      Pregnancy

      • The traveller will only be provided with cover for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy (i.e. 23 weeks and six days). At Cover-More, gestational age is measured in weeks and days and is calculated from the last known date of the traveller’s menstrual period or calculated from staging ultrasound.
      • The traveller is not covered for childbirth.
      • The traveller is not covered for costs relating to the health or care of a newborn child, irrespective of the stage of pregnancy when the child is born.

      What does this mean? Expectant travellers should consider if our products are right for them when travelling after 20 weeks’ gestation, as costs for childbirth and neonatal care overseas can be expensive.

      To understand if a traveller needs to apply for pregnancy cover via our online medical assessment, read the Policy Wording.

      Raynaud’s Disease

      • No additional criteria.

      Skin Cancer

      • The traveller’s skin cancer isn’t a melanoma.
      • The traveller hasn’t had chemotherapy or radiotherapy for this condition.
      • The traveller’s skin cancer doesn’t require any follow up treatment (e.g. chemotherapy, radiotherapy or further excision).

      Stenosing Tenosynovitis (Trigger Finger)

      • No additional criteria.

      Urinary Incontinence

      • No additional criteria.

      Underactive Thyroid or Overactive Thyroid

      • The cause of the traveller’s underactive/overactive thyroid wasn’t a tumour.

      For more information on the existing medical conditions we automatically include and any restrictions that apply, please read the PDS.