If you’ve got a pre-existing medical condition, here’s some good news first: you’re in the majority, not the exception. Most Australians do, according to the Australian Institute of Health and Welfare \u2013 around 61% of us carry at least one. <\/p>\n\n\n\n
You’re not being singled out by a health questionnaire, and in most cases you’re not being locked out of travel insurance either. But this is also one of the few corners of travel insurance where getting it wrong has real financial teeth \u2013 claims get declined here more often than almost anywhere else in the policy, usually over something that could’ve been avoided with one honest tick of a box. Here’s what actually counts as “pre-existing,” how the major insurers handle it, and where the genuine traps sit. This guide covers travel insurance for pre-existing medical conditions in Australia, including cancer, diabetes, heart conditions and asthma, and what changes for over 65s and over 70s.<\/p>\n\n\n\n
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