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Travel Insurance for Existing Medical Conditions

Travel Insurance for Existing Medical Conditions

At COTA Travel Insurance, we want everyone to be able to travel with peace of mind, knowing that they have cover for things that may go wrong.

We understand that travelling with an existing medical condition can be very stressful, especially if your travel insurance does not offer cover for events arising from your condition.

COTA Travel Insurance can automatically cover over 40 existing medical conditions as part of our standard cover. This is included in all our travel policies.

If your medical condition is not one of our 40+ automatically accepted conditions, you can still apply to have it covered as a ‘specified medical condition’.

To add cover for a specified medical condition, let us know about your condition at the time you buy your policy. We will then ask you to complete a medical screening and some questions about your health and will then determine whether we can offer you cover and, if so, on what terms.

If we can offer you additional cover for this condition and you choose to purchase coverage for an additional premium, it will be classified as a ‘specified medical condition’, and you will be covered for events that arise from it.

Check out below if your existing medical condition is one of our automatically accepted conditions. If you satisfy the criteria related to that condition, then you can be covered for events that arise from that condition.

Medical condition Criteria
Acne You haven’t received treatment for your Acne from a medical practitioner in the three months prior to buying your policy
Allergies You follow advice in accordance with your medical practitioner (such as to carry EpiPen’s, antihistamines/other preventative medication at all times) and, at the date you buy your policy, you:

  • Have no other known or underlying respiratory conditions or diseases (for example, Asthma); and
  • Have not required treatment from a medical practitioner for your allergies in the last six months.
Anaemia (iron deficiency) No criteria apply.
Asthma At the date you buy your policy, you:

  • Are under 60 years of age;
  • Have no other known or underlying respiratory conditions (including Sleep Apnoea);
  • Haven’t required cortisone medication, except taken by inhaler or puffer; and
  • Haven’t required hospitalisation for Asthma in the last two years, including as an outpatient.
Bell’s Palsy No criteria apply.
Benign Positional Vertigo At the date you buy your policy, you haven’t required hospitalisation for Benign Positional Vertigo in the last two years, including as an outpatient.
Bunions At the date you buy your policy, you haven’t had surgery for Bunions in the last three months and have no surgery planned.
Carpal Tunnel Syndrome At the date you buy your policy, you haven’t had surgery for Carpal Tunnel Syndrome in the last three months and have no surgery planned.
Cataracts At the date you buy your policy, you have no ongoing complications, haven’t had surgery for Cataracts in the last three months, and have no surgery planned.
Coeliac Disease At the date you buy your policy, you haven’t required hospitalisation for Coeliac Disease in the last two years, including as an outpatient.
Congenital Blindness No criteria apply
Congenital Deafness No criteria apply
Diabetes Mellitus (Types I and II) At the date you buy your policy, you:

  • Were diagnosed more than six months ago;
  • Haven’t had any complications in the last six months;
  • Have no eye, kidney, nerve or vascular complications;
  • Have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
  • Have no known cardiovascular/ coronary heart disease.
Dry Eye Syndrome No criteria apply.
Ear Grommets At the date you buy your policy, you have no current ear infection.
Epilepsy At the date you buy your policy, you have:

  • No underlying medical conditions (for example, previous head trauma, stroke);
  • Not changed your medication regime for Epilepsy in the last 12 months; and
  • Not required hospitalisation for Epilepsy in the last two years, including as an outpatient.
Folate Deficiency No criteria apply
Gastric Reflux Your Gastric Reflux doesn’t relate to another underlying diagnosis (examples: hernia or gastric ulcer)
Glaucoma At the date you buy your policy, you have no ongoing complications, haven’t had surgery for Glaucoma in the last three months, and have no surgery planned.
Goitre The underlying medical cause excludes tumour
Grave’s Disease At the date you buy your policy, you haven’t received treatment from a medical practitioner for Grave’s Disease in the last six months
Hashimoto’s Disease The underlying medical cause excludes tumour
Hiatus Hernia At the date you buy your policy, you haven’t had surgery for Hiatus Hernia in the last six months and have no surgery planned.
Hypercholesterolemia/ Hyperlipidaemia (High Cholesterol / High Lipids) Provided you have no known cardiovascular/ coronary heart disease.
Hypertension (High Blood Pressure) Provided at the date you buy your policy:

  • You have no known cardiovascular/coronary heart disease; and
  • Your current blood pressure reading is lower than 165/95
Hypothyroidism (underactive thyroid) The underlying medical cause excludes tumour.
Hyperthyroidism (overactive thyroid) The underlying medical cause excludes tumour.
Impaired Glucose Tolerance At the date you buy your policy, you:

  • Were diagnosed more than six months ago;
  • Haven’t had any complications in the last six months;
  • Have no eye, kidney, nerve or vascular complications;
  • Have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and
  • Have no known cardiovascular/ coronary heart disease.
Incontinence You have no underlying gastrointestinal or urinary condition.
Insulin Resistance At the date you buy your policy, you have:

  • No known cardiovascular/ coronary heart disease; and
  • Not required hospitalisation for Insulin Resistance in the last two years, including as an outpatient.
Iron Deficiency No criteria apply.
Macular Degeneration No criteria apply.
Migraine You haven’t required hospitalisation for Migraines in the two years prior to buying your policy, including as an outpatient.
Nocturnal Cramps No criteria apply.
Osteoporosis/ Osteopenia At the date you buy your policy, you:

  • Haven’t had any fractures;
  • Don’t require more than one medication for this condition; and
  • Have no other conditions involving the neck or back.
Pernicious Anaemia No criteria apply.
Plantar Fasciitis At the date you buy your policy, you haven’t had surgery for Plantar Fasciitis in the last three months, and have no surgery planned.
Raynaud’s Disease At the date you buy your policy, you haven’t required treatment by a medical practitioner for Raynaud’s Disease in the last six months.
Sleep Apnoea At the date you buy your policy, you:

  • Have no other known or underlying respiratory conditions (including Asthma); and
  • Haven’t required hospitalisation for Sleep Apnoea in the last two years, including as an outpatient.
Solar Keratosis Your condition has been confirmed as benign.
Trigeminal Neuralgia You haven’t required treatment by a medical practitioner for Trigeminal Neuralgia in six months prior to buying your policy.
Trigger Finger At the date you buy your policy, you haven’t had surgery for Trigger Finger in the last three months, and have no surgery planned.
Vitamin B12 Deficiency No criteria apply

For more information about travel insurance offering cover for existing medical conditions, please don’t hesitate to give us a call on 1300 1300 50. One of our insurance specialists will be more than happy to talk to you and answer any questions you may have.

^This is a brief summary of cover only and does not include full terms, conditions, limitations and exclusions. For full details and before you buy, please read the PDS.

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