Conditions We Don't Cover

We will not cover you for any claim arising from or attributable to any of the following conditions under  any circumstance. This applies if you, a member of your travelling party, a close relative or any other person had that condition at any time prior to your policy being issued.
  1. You have been given a terminal prognosis for any condition with a life expectancy of under 24 months;
  2. You have HIV or AIDS;
  3. Any condition for which you have been hospitalised (including day surgery) or attended the emergency department in the past 24 months; 
  4. Any condition which arises from signs or symptoms that you are currently aware of, but:
  • you have not yet sought a medical opinion regarding the cause; or
  • you are currently under investigation to define a diagnosis; or
  • you are awaiting specialist opinion;
       5. Any condition for which you have undergone surgery in the past 6 weeks;
       6. You have been diagnosed with any form of cardiovascular disease or received treatment for a related  condition, such as      
           but not limited to:
  • Congestive Heart Failure;
  • heart problems requiring coronary angiography, stents or bypass grafting (CABG);
  • Cerebrovascular Accident (Stroke) or Transient Ischaemic Attack (TIA);
  • a pacemaker or AICD (internal defibrillator);
  • Angina (chest pain) within the past 6 months
As described in the example for cardiovascular disease on page 29 in the PDS

       7. You have High Blood Pressure (Hypertension), High Blood Lipids (Hyperlipidaemia) or High Cholesterol
           (Hypercholesterolaemia) in combination with another known cardiovascular disease or diabetes;
       8. Deep Vein Thrombosis (DVT) or Pulmonary Embolism;
       9. Diabetes:
  • which has been diagnosed in the past 12 months;
  • resulting in eye, kidney, nerve or vascular complications;
  • where you also suffer from cardiovascular disease, Hypertension, Hyperlipidaemia or  Hypercholesterolaemia;
  • Type I Diabetes where you are 50 years of age or over;
      10. Epilepsy, if you are on two or more anticonvulsant medications or your medication regime has  changed in the past 12
       months;
      11. Any condition which has caused a seizure in the past 12 months;
      12. Any respiratory disease, including but not limited to:
  • Emphysema;
  • Chronic Obstructive Airways Disease (COAD);
  • Chronic Obstructive Pulmonary Disease (COPD);
  • Chronic Bronchitis;
  • Cystic Fibrosis;
  • Asthma, where you are 60 years of age or over and have any other respiratory disease;
As described in the example for chronic lung disease on pages 29-30 in the PDS

      13. You require home oxygen therapy or you will require oxygen for the trip;
      14. Any condition for which you have ever required spinal or brain surgery;
      15. Any chronic or recurring pain (including back pain) requiring regular medication or other ongoing treatment such as    
            physiotherapy or chiropractic treatment;
      16. Any type of cancer that you have been previously diagnosed with, or secondaries from that cancer;
      17. Any condition for which a surgery, treatment or procedure is planned, including any fertility treatment; 
      18. You have chronic renal failure, treated by haemodialysis or peritoneal dialysis;
      19. You have had, or are on a waiting list for, an organ transplant.
      20. Sexually transmitted diseases;
      21. Any mental illness as defined by DSM-IV including but not limited to:
  • dementia, depression, anxiety, stress or other nervous condition;
  • behavioural diagnoses such as autism;
  • eating disorders;
  • a drug or alcohol addiction;
     22. Any condition that requires ongoing treatment with prednisone or other immunosuppressant therapy;
     23. Pregnancy is not covered in any of the following circumstances:
  • for 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.
You can still take a policy with us if you, a close relative or a member of your travelling party has one of these conditions; however, any claims which arise in relation to this condition will be excluded from the policy. (Keep in mind, also, that if you claim for a condition that is on the list of Automatically Covered Conditions but it relates to another condition which we can’t cover, that automatically covered condition will be excluded.)
This means, for example, that we will not be able to pay:
  • your medical expenses whatsoever;
  • your evacuation or repatriation;
  • your trip cancellation or rearrangement costs; nor
  • any out of pocket expenses or additional expenses.
If you have one of these conditions, you are welcome to contact SureSave who offer a specialist medical screening. Assessment of your pre-existing medical condition takes just one phone call for most people. You may ring 1300 763 872 to be assessed; just have details of your medical history ready when you call.
This article was written by Travel Insurance Direct.
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