Pre-existing Medical Conditions

TID received many enquiries about existing medical conditions, particularly Pregnancy, Asthma and Allergies.


We cover pregnant women while travelling provided your trip ends on or before your 26th week for single, uncomplicated pregnancies or the 19th week for a multiple pregnancy.  Although it's not part of the policy requirements, you should discuss your travel plans with your doctor before you make your arrangements.

What’s covered?

  • Cancellation or rearrangement of your trip due to the pregnancy
  • Overseas medical treatment

What's not covered?

  • fertility treatment at any time, including any resulting pregnancy;
  • if you have experienced any pregnancy complications prior to your policy being issued;
  • a multiple pregnancy arising from services or treatment associated with an assisted reproductive program, including but not limited to in vitro fertilisation; 
  • a single pregnancy after 26 weeks;
  • a multiple pregnancy after 19 weeks;
  • for childbirth at any time;
  • for regular antenatal care;
  • care of a newborn child.


Asthma is automatically covered provided:

  • you are under the age of 60 at the time of policy purchase; and
  • you have no other lung disease; and
  • you have no other pre-existing conditions other than what is listed in the PDS as automatically covered; and
  • you have not been hospitalised for any condition (including day surgery or emergency department attendance) in the past 24 months.


We automatically cover the following allergies provided you have not been hospitalised in the last 24 months for any condition nor have any other pre-existing medical conditions:

  • Rhinitis
  • Chronic Sinusitis
  • Eczema
  • Food Intolerance 
  • Hayfever

What we mean by a Pre-existing Medical Condition

This is defined as:

  1. An ongoing medical or dental condition of which you are aware, or related complication you have or the symptoms of which you are aware; OR
  2. A medical or dental condition that is currently being, or has been, investigated or treated by a health professional (including dentist or chiropractor) at any time in the past, prior to policy purchase; OR
  3. Any condition for which you take prescribed medicine; OR
  4. Any condition for which you have had surgery; OR
  5. Any condition for which you see a medical specialist; OR
  6. Pregnancy.

Automatically covered conditions

TID automatically covers 43 pre-existing medical conditions provided that you:

  • do not have any other pre-existing medical condition; and
  • have not been hospitalised (including day surgery or emergency department attendance) in the past 24 months

The following are the 43 pre-existing medical conditions covered as standard without any additional cost:

  1. Acne
  2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hayfever
  3. Asthma providing that you are less than 60 years of age at the time of policy purchse and/or have no other lung disease
  4. Bell’s Palsy
  5. Benign Positional Vertigo
  6. Bunions
  7. Carpal Tunnel Syndrome
  8. Cataracts
  9. Coeliac Disease
  10. Congenital Blindness
  11. Congenital Deafness
  12. Diabetes Mellitus (Types I and II) – providing you were diagnosed over 12 months ago, have no eye, kidney, nerve or vascular complications and do not also suffer from a known cardiovascular disease, ie hypertension, hyperlipidaemia or hypercholesterolaemia (and are under 50 years of age at the date of policy purchase for Type I)
  13. Dry Eye Syndrome
  14. Epilepsy provided there has been no change to your medication regime in the past 12 months
  15. Folate Deficiency
  16. Gastric Reflux
  17. Glaucoma
  18. Goitre
  19. Graves’ Disease
  20. Hiatus Hernia
  21. High Cholesterol (Hypercholesterolaemia)  provided you do not also suffer from a known cardiovascular disease and/or diabetes
  22. High Blood Lipids (Hyperlipidaemia) provided you do not also suffer from a known cardiovascular disease and/or diabetes
  23. High Blood Pressure (Hypertension) provided you do not also suffer from a known cardiovascular disease and/or diabetes
  24. Hypothyroidism, including Hashimoto’s Disease
  25. Impaired Glucose Tolerance
  26. Incontinence
  27. Insulin Resistance
  28. Iron Deficiency Anaemia
  29. Macular Degeneration
  30. Meniere’s Disease
  31. Migraine
  32. Nocturnal Cramps
  33. Osteopaenia
  34. Osteoporosis
  35. Pernicious Anaemia
  36. Plantar Fasciitis
  37. Pregnancy: for a single, uncomplicated pregnancy, where your trip ends on or before 26 weeks gestation, which does not arise from services or treatment associated with an assisted reproductive program, including but not limited to in vitro fertilisation.
  38. Raynaud’s Disease
  39. Sleep Apnoea
  40. Solar Keratosis
  41. Trigeminal Neuralgia
  42. Trigger Finger
  43. Vitamin B12 Deficiency

What should I do if I have a pre-existing medical condition not on the above list?

If you have a condition that does not appear on the above list we suggest you get your medical condition assessed by a specialist medical travel insurance online in about 10 minutes and find out what it will cost to cover.

Alternatively, although we don't advise you to travel without cover, you can still buy a policy with us - but this means you will not be covered for any claims related to, exacerbated by, or arising from pre-existing medical conditions.
This article was written by Travel Insurance Direct.
Get a quote now