Medical conditions when travelling overseas – make sure you’re covered

If you are planning to travel overseas and you have an existing medical condition, it is important to understand what your travel insurance actually covers you for. 

insure4less pre-existing medical travel insurance can cover you for any claims arising from a range the vast majority of medical conditions at no extra cost. If your condition is deemed to be a higher risk one, then we will ask you for an additional premium or on rare occasions, if it is too serious, we will advise you that there is no cover available.

It is only when you contact the medical emergency team that our approach really pays dividends.

The assistance team will have immediate access to your details and will be able to confirm cover is in place with the hospital straight away.

There is a big risk if you do not have your conditions specifically named in your policy documents as the assistance company will have to contact your GP to investigate your previous medical history. All of this takes time and causes stress and anxiety for you and your family.

Our process is very simple:

• Enter your travel details
• Answer some simple questions about your medical background – no medication details needed.
• If you have a condition, answer some questions about the condition. You can have any number of conditions.

We will then tell you if:

• Cover is automatically included at no extra cost
• If there is an extra premium to be paid to cover the condition
• If we are unable to offer cover

If you decide to take a travel insurance policy with insure4less, your policy documentation will clearly show that cover for your condition/s is included.

It’s good to have this extra peace of mind when travelling overseas.

We can screen over 2,000 different conditions…here’s a sample of the most frequent ones in order:

• High cholesterol levels
• High blood pressure
• Coronary angioplasty
• Joint replacement
• Atrial fibrillation
• Diabetes type 2
• Osteoarthritis
• Ischaemic heart disease
• Coronary artery stent
• Osteoporosis
• Hip replacement
• Breast cancer
• Back and/or neck problems
• Pacemaker
• Prostate cancer
• Knee replacement
• Asthma
• Arthritis
• Coronary artery bypass graft
• Mild asthma
• Heart attack
• Arrhythmia
• Hypertension
• Coronary artery stent insertion

So, if you are travelling overseas and you have a medical condition, make sure you take out pre-existing medical insurance with insure4less.

Get a quote by completing the form on this page.