Travel insurance and pre-existing medical conditon

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#1
Australia
2,758 Posts
Joined Mar 2009
I am trying to sift through different travel insurance policies and seeing if I am covered for a pre-existing medical condition.

Can anyone recommend any travel insurance companies that cover pre-existing medical conditions, or you can upgrade the policy?
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Sitmar Fairstar 1983
Sitmar Fairstar 1984
Volendam Dec 2009 New Zealand




#2
nsw, Australia
2,991 Posts
Joined Apr 2008
Leanne, we have just been through this for our upcoming trip to USA/Canada etc. The pre exisiting is an issue with most, we found. We ended up going with Covermore...know you weren't happy with them...but their coverage esp for the states was the best for us. We spent a month looking, getting dozens of quotes, and theirs exceeded all others. Bob was getting sick and tired of looking at the fine print....but you have to.
Travel ins for the states is expensive, but vital....lot cheaper for NZ or the SPacific.
Jen
#3
1,533 Posts
Joined Feb 2011
I was about to say Covermore. We've gone through them for our upcoming Hawaiian cruise. And my parents were having problems finding insurance to cover my mother's pre-existing medical conditions. They ended up going with Covermore because no one else would cover her.
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SHIPS I'VE SAILED ON...
1983 - ORIANA - SOUTH PACIFIC
1985 - ORIANA - SINGAPORE TO FREMANTLE
1989 - CANBERRA - WORLD CRUISE
2011 - PACIFIC SUN - SOUTH PACIFIC
2011 - PACIFIC PEARL - NEW ZEALAND
2012 - CARNIVAL SPIRIT - HONOLULU TO SYDNEY
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#4
The Hunter Valley, Australia
1,137 Posts
Joined Jan 2009
What I did was choose the one I thought best then took it to the Drs for him to look over....just to make sure and he was more than happy to back me up on my choice but I guess it depends on what your illness is.....
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#5
gold coast australia
265 Posts
Joined Feb 2012
Another vote for covermore!! I had no problems at all.
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#6
Melbourne, Australia
5,240 Posts
Joined Mar 2011
I've used Covermore before. Had no issues. But never had to claim either.
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Sarah (icat2000)

Upcoming Cruise
Carnival Spirit - 8 nights South Pacific, 9 October 2017. Feels good to cruise again.

Completed Cruises
Ruby Princess TA October 2012| Dawn Princess New Zealand December 2012 | Ruby Princess Eastern Caribbean | Celebrity Equinox TA April 2013 | Sea Princess Auckland to Sydney August 2013| Dawn Princess Sydney - Hobart - Melbourne November 2013 |Diamond Princess Tasmania December 2013 | Rhapsody of Seas South Pacific January 2014 | PO UK Arcadia - Sydney to Melbourne February 2014 | Dawn Princess - Melbourne to Auckland March 2014 |Carnival Spirit South Pacific August 2014|Dawn Princess - Melbourne to Auckland October 2014 | Sun Princess - Fiji & New Caledonia December 2014 |Diamond Princess - Sydney to Singapore March 2015 |Caribbean Princess - Iceland TA September 2015 |PO UK Oceana - Mediterranean September 2015 |Pacific Jewel - Eden December 2015 |Golden Princess - Tasmania January 2016 |Diamond Princess - Perth to Singapore March 2016 |Celebrity Constellation - Greek Islands April 2016
#7
australia
911 Posts
Joined Nov 2009
Originally posted by Australian family
I am trying to sift through different travel insurance policies and seeing if I am covered for a pre-existing medical condition.

Can anyone recommend any travel insurance companies that cover pre-existing medical conditions, or you can upgrade the policy?
We used travel insurance direct when 8 of us travelled europe and the U.S.A for 6 weeks my sister was able to get cover through them with a number of pre existing conditions it cost a little more but was no problem they also covered my 80 year old father.
#8
Central west NSW Australia
247 Posts
Joined Apr 2008
G'day, for what its worth I am currently investigating the Travel insurance organised by Probus Clubs http://www.probussouthpacific.org/ho...insurance.html
I met a couple on the Oriana who suggested it to me they told me it covered pre existing conditions
Regards Bob
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Ships in my past,
RMS Asturias UK to Aus 1947
SS Orion Aus to UK 1949
RMS Ormonde UK to Aus 1950
SS Orion Aus to UK 1953
SS Orsova UK to Aus 1954
Northern Star Syd to AK 1970
Achille Lauro AK to Syd 1970
Arcadia (paying out voyage) Syd to Brisbane
Oriana Sth Pacific cruise 1985
Murray Princess Murray river cruise 2001
Norwegian Wind Syd NZ cruise 2002
Pacific Princess Sth Pacific Cruise 2005
Rhapsody Of the seas Sth Pacific Nov 1st 2008
Rhapsody of the Seas NZ Jan 27th 2009
Rhapsody of the Seas Grt Barrier Reef Dec1st 2009
Sun Princess Sth Pacific Xmas Dec 17th 2009
Pacific Jewell Sth Pacific Aug 7th 2010
Sun Princess NZ Xmas cruise from Bris' 2011
P&O Aurora Syd-Bris Feb 2012
P&O Oriana Bris- Syd Feb 2012
Celebrity Solstice NZ Dec10 2012
Carnival Spirit Pac and Fiji Mar 23 2013
Voyager Of the Seas NZ & Fiji Nov 9 2013
Ocean Princess Komodo Island, HCMC& Singapore Mar/Apr 2014
Celebrity Century Coastal to South Australia October 2014
[Carnival Spirit Pacific Islands November 2015
Pacific Aria Bounty cruise Brisbane ,Tonga, Fiji, Vanuatu, Noumea March 4 2016
#9
880 Posts
Joined Jan 2009
As Sarah said "I've used Covermore before. Had no issues. But never had to claim either. "

That's the real point Sarah, unless you have made a claim with a company......no company is great! after-all the proof is in the claiming..lol! As they say "buyer beware"


Oh dear! who do we go too!

B&B&C
#10
3,803 Posts
Joined Oct 2007
Covermore cover a lot of pre-existing medical conditions. In their product disclosure statement, it lists a number of pre-existing medical conditions which they automatically cover.

However if your condition or circumstance do not appear on the list, all you need to do is complete a medical assessment form either online, or print and send to Covermore. Usually you only need your doctor to complete with form if it is a heart condition, however depends on your circumstances.

Very easy to do.
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#11
Gold Coast
9,704 Posts
Joined Sep 2007
I use Onlinetravelinsurance and they have a list of pre existing medical conditions that they automatically cover.

I have successfully claimed, with no problems, with this on line insurance company.

When my MIL in her 80s (healthy, with pre existing conditions) needed overseas travel insurance, we finally got coverage for her through National Seniors (with doctor's report and one exclusion from coverage).
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Hurtigruten - Fram - 2014 - Ushuaia to Antarctica, via Falkland Islands and South Georgia Islands.
Princess - Ocean Princess - 2013 - Dover to Iceland and Norway, via Shetland and Faroe Islands.

Princess - Ocean Princess - 2012 - Singapore to Sydney
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#12
8 Posts
Joined Dec 2011
We have used Travel Insurance Direct before, as the medical conditions listed as automatically covered include the ones we happen to have. (Eg. asthma, as long as you haven't been hospitalised with it in the past year I think). We have never had to claim, but they are competitive price-wise and even have an option to pay $25 extra if you want to have a "no excess" option.
#13
1,533 Posts
Joined Feb 2011
Just keep in mind, apparently a few insurers have changed their policies lately and they no longer cover some of the pre-existing medical conditions that they used to cover. This was why my parents had to go with Covermore - the ones they used on all their other cruises are no longer suitable, despite them covering those conditions previously. So just make sure you double check everything before just going with a company you've used previously. They might not cover you anymore.
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SHIPS I'VE SAILED ON...
1983 - ORIANA - SOUTH PACIFIC
1985 - ORIANA - SINGAPORE TO FREMANTLE
1989 - CANBERRA - WORLD CRUISE
2011 - PACIFIC SUN - SOUTH PACIFIC
2011 - PACIFIC PEARL - NEW ZEALAND
2012 - CARNIVAL SPIRIT - HONOLULU TO SYDNEY
2013 - RHAPSODY OF THE SEAS - SOUTH PACIFIC
2014 - SEA PRINCESS - BRISBANE TO SYDNEY
2014 - CARNIVAL LEGEND - SHORT CRUISE
2014 - MARINER OF THE SEAS - SINGAPORE TO SINGAPORE
2015 - PACIFIC JEWEL - CORAL COAST DISCOVERY
2015 - PACIFIC EDEN - SHORT CRUISE
2016 - EXPLORER OF THE SEAS - NEW ZEALAND
2017 - RADIANCE OF THE SEAS - QUEENSLAND COAST
2018 - OVATION OF THE SEAS - TASMANIA

SHIPS I'VE INSPECTED...
2013 - CELEBRITY SOLSTICE
2013 - VOYAGER OF THE SEAS
2014 - DIAMOND PRINCESS
2014 - RADIANCE OF THE SEAS
2014 - QUEEN MARY 2
2014 - COSTA DELIZIOSA
2014 - VOLENDAM
2015 - CELEBRITY SOLSTICE
2015 - EXPLORER OF THE SEAS
#14
Raymond Terrace Australia
2,874 Posts
Joined Sep 2008
Originally posted by Australian family
I am trying to sift through different travel insurance policies and seeing if I am covered for a pre-existing medical condition.

Can anyone recommend any travel insurance companies that cover pre-existing medical conditions, or you can upgrade the policy?
Hi there. My DH had a heart attack 3.5 years ago and had a stent inserted. We could not get anyone to cover him until I found Southern cross travel insurance http://www.scti.com.au/. All we had to do was an online medical questionairre and he was approved. There are criteria to fill eg time since event, amount of meds so forth. We also have not had to use it. They only insure for international...
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Future Cruises

Carnival Spirit 10 day's South Pacific 9/2/17
RCCL OOS 12 day's New Zealand 12/29/17
NCL Jewel 10 day's New Zealand 1/31/18


Past Cruises

NCL Jade 7 day's Greek Islands 10/01/16
Carnival Vista 10 day's Med 10/11/16
Carnival Vista 13 day's Trans Atlantic 10/21/16
Carnival Legend 19 days Hawaii to Sydney 9/25/15
P&O Pacific Jewel 6 day's J510B 6/3/15
P&O Pacific Jewel 5 day's J510A 2/3/15
NCL Jewel Seattle, Alaska, Vancouver 7 days 09/13/14
NCL Jewel Vancouver, San Francisco, Los Angeles 5 days 09/20/14
NCL Jewel Los Angeles, Panama Canal, Houston 16 days 09/25/14
NCL Jewel Houston, Western Caribbean 7 days 10/11/14
Carnival Legend Europe from Dover 12 days Pt 1 09/01/13
Carnival Legend Europe from Dover 12 days Pt 2 09/13/13
Carnival Spirit South Pacific 12 days 09/28/12
Carnival Splendor Mexican Riviera Family Cruise 7 days 09/16/12
P&O Pacific Sun 4 day's 03/04/2012
RCCL Voyager Of The Seas TA 13 days 10/30/11
Carnival Magic 12 days mediterannian 10/16/11
Carnival Magic 9 days Mediterannian 10/7/11
Carnival Spirit Hawaii 12 days 9/14/10
Celebrity Mercury Alaska 7 days 09/05/10
Sun Princess Hawaiian Discovery 17 days 09/29/09[
Carnival Triumph Western Caribbean 7 days 11/30/08
Carnival Triumph Eastern Caribbean 7 days 12/07/08
#15
Brisbane Australia
59 Posts
Joined Feb 2010
I always use Covermore. I used them and had to make a claim ( with no problem at all) prior to having a pre-existing condition. It was actually that incident that I had to claim that then became my pre existing condition !
#16
Melbourne Australia
1,552 Posts
Joined Jun 2011
I used southern cross last year and had to cancel the trip due to a diagnosis of breast cancer. they tried their utmost to say it was a pre existing condition. only through the determination of my wonderful GP did I win that battle.

I would warn anyone to stay away from them.

this trip I have gone with covermore, they will cover for the pre existings I have other than anything related to cancer. I took an annual policy. Interesting though they would have covered me for cancer related issues if I had only wanted a single policy. My thought is that they feel something cancer related might surface over the next 12 months whereas if i was going on a trip in the next few weeks it was less likely. The cost of 2 single trips was several hundred more than the annual policy.