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Existing Health Disorders If you require cover for an existing health disorder please Click Here.
Information
Existing Health Disorders
If you have an Existing Health Disorder you will need to call 1800 008 473 to complete an assessment. The assessment will determine whether we are able to provide you with cover for that disorder. Please read the following for further information. Please note: If the Existing Health Disorder is accepted, a non-refundable $100 administrative fee will also be charged for assessing Your application for Existing Health Disorder cover. Payment can be made by Credit Card over the phone.
What is an Existing Health Disorder?
Existing Health Disorder means:
(a) any illness, disease or other condition, including symptoms thereof suffered by You, Your Relative, business associates, or Travelling Companion, which in the one year period before You applied for this insurance:
(i) first manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment; or
(ii) required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a legally qualified medical practitioner; or
(iii) was treated by a legally qualified medical practitioner or treatment had been recommended by a legally qualified medical practitioner.
(b) It shall also mean any congenital, hereditary, chronic or ongoing condition of Yours, Your Relative, business associates, or Travelling Companion which You or they are aware of, or could reasonably be expected to be aware of, before You applied for this insurance.
How do I apply for Existing Health Disorder cover?
If you have an Existing Health Disorder, simply call Travel Guard® on 1800 008 473 to complete our phone-based medical assessment. Before you call please refer below to conditions that may be covered as you may not require a formal assessment.
If you wish to apply for cover:
• Travel Guard® will fairly assess applications but cannot guarantee acceptance.
• Travel Guard® may either:
1. accept, or2. decline
• if applicable, may request additional premium payment for the Existing Health Disorder cover.
• If the Existing Health Disorder is accepted, a non-refundable $100 administrative fee will also be charged for assessing Your application for Existing Health Disorder cover. Payment can be made by Credit Card over the phone.
• Travel Guard® will advise you of the outcome of the assessment on the phone and arrange a confirmation letter to be sent to you.
• If cover can be provided, Travel Guard® will advise you of the terms of cover and Plan Code, together with an Assessment Number.
• Cover of Existing Health Disorders is limited to the approval for the original Policy and cannot be extended.
You must retain a copy of our confirmation letter, which contains your Assessment Number, in the event of submitting a claim.
To be assessed by Travel Guard®, you will need to:
a. Telephone the Travel Guard® Medical Assessment Unit on 1800 008 473 (8.30am to 5pm week days, excluding public holidays) b. Request an 'Existing Health Disorder' assessment.
You will need to provide the medical assessment unit with the following:
1. Relevant traveller's full name and age; 2. Details of the Trip; 3. Details of condition, current treatments and medications; 4. Contact details of the relevant traveller's current Doctor; and 5. Medical reports as required by the medical assessment unit.
The provision of any information or reports required by the medical assessment unit will be at your expense.
Policy cover for Existing Health Disorder cannot commence until We have reviewed the required information and advised acceptance of Our decision.
Any Existing Health Disorder cover is limited to the term of the original policy.
What conditions are covered automatically?
The conditions which follow are automatically covered under this Policy, subject to You satisfying provisions 1 and 2 below.
Provisions for Automatic Acceptance
1. Automatic acceptance is only available for Your conditions provided there are no planned procedures, and there have been no complications or exacerbations of the condition within the last 6 months. In all other circumstances, cover for Existing Health Disorders is subject to application and assessment as outlined under Assessment of application in the PDS.
2. Automatic acceptance does not apply if You request an Existing Health Disorder assessment for any reason. If You request an Existing Health Disorder assessment Travel Guard® will fairly assess Your application on the basis of Your medical history. Travel Guard® cannot guarantee acceptance and the assessment outcome may be to decline cover for Existing Health Disorders even if You suffer a condition that is noted on the Automatic Acceptance list below.
If in any doubt we recommend that you undergo a medical assessment. Please note additional charges apply and applications can only be made by persons travelling under this policy.
• Acne
• Allergies
• Asthma - nil attacks requiring hospitalisation or medical treatment within the last 12 months
• Broken/Fractured Bones (providing these are completely healed with no ongoing treatment or residual problem)
• Cataracts
• Coeliac Disease
• Eczema
• Essential Tremor
• Gastric reflux
• Glaucoma
• Haemorrhoids
• Hayfever
• Hiatus Hernia
• Hip/Knee Replacements - performed more than 12 months ago and no ongoing treatment
• Hypothyroidism
• Insomnia
• Menopause / HRT
• Restless Leg Syndrome
• Tinnitus
• Varicose Veins
What conditions cannot be covered?
Some medical conditions and health-related events cannot be covered. These are summarised as follows:
• conditions for which you have been given a terminal or malignant prognosis
• sexually transmitted diseases or viruses
• AIDS, HIV or AIDS related conditions
• alcohol or drug addictions
• your suicide or attempted suicide or self injury
• continuing with any form of treatment begun before your journey
• pregnancy or childbirth
• where you are travelling against medical advice
• where you are travelling for the purpose of obtaining medical advice or treatment
• any Existing Health Disorders of relative(s) who are not part of your travelling party.
For precise wording please refer to your Policy Wording.
For more information If you have any questions about our assessment, please contact Travel Guard® 1800 008 473.
Multi-trip
Which area should I choose and is my destination covered?
Please refer to the Destination Exclusions for a list of countries which are not covered.
This policy will not cover any loss, damage or legal liability arising directly or indirectly from Travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, or Syria.
An Multi-trip Plan will cover unlimited trips in any one period of insurance as shown on the certificate of insurance. The length of any one Trip cannot exceed forty-five (45) days and must involve an overseas destination or a domestic destination of no less than 250 km from Your home.
There are two Multi-trip Plans. You should select the travel plan designated for Your destination:
Plan Name
PPlan Code
PDestination
PPlatinum
PAF12
PWorldwide
PGold
PAC12
PWorldwide except USA, Canada, Mexico, Central & South America and Antarctica
Please Note
All sums insured for an Multi-trip Plans are per Trip.
All Multi-trip Plans provide cover for one adult plus any of his/her financially dependent children or grandchildren under 25 years travelling with him/her.
If You plan to spend more than 96 hours of any one Trip in the continents of North America, South America or Antarctica then You must select Plan AF12.
The Multi Trip Plan covers the person named on the Certificate of Insurance. You may include Your spouse or de facto spouse as a second Policyholder travelling with or without You by payment and selection of the family plan.
Please note, The length of any one trip cannot exceed 45 days. All covers under this policy commence on the Policy start date.
If you select any future date as your policy start date, any cover under your policy will not commence until such selected date. This also means that your cover under the cancellation section of your policy will not commence until the selected policy start date.
Type of Cover
Single Cover If You selected single cover, the Policy covers You and Your financially dependent children or grandchildren, who are all under 25 years of age, who travel with You.
Family Cover If You selected a family cover, the Policy covers each named Adult for travel without the other. Any financially dependent children that are aged between 18 and 25 and are listed on the Family policy will require their own travel insurance policy should they be travelling without the two listed Adults.
Dependents
We do not charge additionally for any of Your declared financially dependent children or grandchildren, who are all under 25 years of age, who travel with You.