Can I get travel insurance if I have a pre-existing medical condition?

Budget Direct travel insurance covers 27 pre-existing health conditions (see list below).

If you have one of these 27 conditions, we’ll cover you as long as you:

  • have not been hospitalised (including day surgery or emergency department attendance) for that condition within the past 24 months
  • tell us you have the condition by selecting ‘Yes’ when you buy a policy.

If your pre-existing medical condition is not one we cover, you can still be covered for claims (including overseas medical and hospital expenses) not related to your condition.

A - D
  • Acne
  • Asthma, as long as you:
    • have no other lung disease, and
    • are less than 60 years old when you buy travel insurance.
  • Bunions
  • Carpal tunnel syndrome
  • Cataracts
  • Coeliac disease
  • Congenital blindness
  • Congenital deafness
  • Diabetes mellitus (Type I), as long as you:
    • were diagnosed more than 12 months ago, and
    • have no eye, kidney, nerve or vascular complications, and
    • do not suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia, and
    • are less than 50 years old when you buy travel insurance.
  • Diabetes mellitus (Type II), as long as you:
    • were diagnosed more than 12 months ago, and
    • have no eye, kidney, nerve or vascular complications, and
    • do not suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia.
  • Dry eye syndrome
E - Z
  • Ear grommets
  • Eczema
  • Epilepsy, as long as in the past 24 months you have not had any:
    • seizures, or
    • change to your medication.
  • Food intolerance
  • Gastric reflux
  • Glaucoma
  • Gout
  • Hay fever
  • Hiatus hernia
  • Hypercholesterolaemia (high cholesterol), as long as you do not also suffer from:
    • a known cardiovascular disease, and/or
    • diabetes
  • Hypertension (high blood pressure), as long as you do not also suffer from:
    • a known cardiovascular disease, and/or
    • diabetes
  • Hypothyroidism
  • Macular degeneration
  • Meniere's disease
  • Rhinitis
  • Sinusitis

Note that we will not cover any claims arising from you:

  • receiving or waiting for hospital tests or treatment for an undiagnosed condition or symptom
  • travelling against the advice of a medical practitioner
  • travelling to get medical treatment abroad
  • travelling despite being told your condition will cause your death.

What is a pre-existing medical condition?

A ‘pre-existing medical condition’ is any diagnosed condition that, in the past five years, you or any insured person has suffered from or has received any form of medical advice, tests, treatment or medication for.

Can I get travel insurance if I'm pregnant?

Budget Direct does not cover any travel insurance claims directly or indirectly related to pregnancy, childbirth, care of a newborn child or complications arising from any of these.

We can still cover you for claims not related to your pregnancy.

Can I get travel insurance if I have high blood pressure?

If you have high blood pressure (hypertension), we can provide you with travel insurance, as long as you:

  • have not been hospitalised (including day surgery or emergency department attendance) for that condition within the past 24 months, and
  • tell us you have the condition by selecting ‘Yes’ when you buy a policy, and
  • do not also suffer from a known cardiovascular disease and/or diabetes.

If your hypertension is not covered, we can still cover you for claims not related to it.

Can I get travel insurance if I have a heart condition?

Budget Direct does not cover travel insurance claims arising from heart conditions experienced by anyone who has received medical advice, tests, treatment or medication for a heart condition in the past five years.

We can still cover you for claims not related to your heart condition.

Can I get travel insurance if I have diabetes?

If you have Type 1 or Type 2 diabetes, we can provide you with travel insurance, as long as you:

  • have not been hospitalised (including day surgery or emergency department attendance) for that condition within the past 24 months, and
  • tell us you have the condition by selecting ‘Yes’ when you buy a policy, and
  • were diagnosed more than 12 months ago, and
  • have no eye, kidney, nerve or vascular complications, and
  • do not suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia, and
  • for Type 1 Diabetes, are less than 50 years old when you buy travel insurance.

If your diabetes is not covered, we can still cover you for claims not related to it.

Can I get travel insurance if I have asthma?

If you have asthma, we can provide you with travel insurance, but only if you:

  • have not been hospitalised (including day surgery or emergency department attendance) for that condition within the past 24 months, and
  • tell us you have the condition by selecting ‘Yes’ when you buy a policy, and
  • have no other lung disease, and
  • are less than 60 years old when you buy the cover.

If your asthma is not covered, we can still cover you for claims not related to it.

Can I get travel insurance if I have cancer?

Budget Direct does not cover travel insurance claims arising from cancer experienced by anyone who has received medical advice, tests, treatment or medication for cancer in the past five years.

We can still cover you for claims not related to your cancer.

Do I need health insurance to get travel insurance?

Yes – to be eligible for Budget Direct travel insurance, you must be a citizen or permanent resident of Australia (and therefore entitled to publicly funded health services via Medicare).

If you’re a non-permanent resident, you must have a valid Medicare card, private health insurance or overseas student travel insurance in Australia for the duration of your trip.

All of our international travel insurance policies – Comprehensive, Essential, Last Minute, and Annual Multi-Trip – include an unlimited amount for unforeseen overseas medical and hospital expenses.

Our Domestic cover does not include medical and hospital expenses. That’s because these expenses are already claimable in Australia from Medicare or your private health fund.

Will I need to have a medical exam or provide you with medical records?

When you apply for travel insurance, we’ll ask you whether you have a pre-existing medical condition.

Your answer to the question (‘Yes’ or ‘No’) is all we need – you will not have to undergo a medical examination or show us your medical records in order to purchase travel insurance.

If you make a claim related to an illness or injury, you’ll need to provide us with supporting evidence, which may include your medical history, a medical certificate completed by your doctor and/or the results of any medical examinations we ask you to undergo. 

What if my health changes before my trip?

You must tell us about any changes in your health or medications between the date you bought your policy and the date your trip commences, including:

  • new treatment or prescribed medication
  • changes to treatment or prescribed medications, including changes in dosages
  • new sickness, condition, illness or injury for which you needed to ask for medical advice.

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