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. If You apply for Existing Health Disorder cover and Your application for such cover is approved, an additional premium may apply. Secure payment can be made by Credit Card over the phone once Your application has been completed.
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.
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:
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:
You will need to provide the medical assessment unit with the following:
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.
The conditions which follow are automatically covered under this Policy, subject to you satisfying provisions 1 and 2 below.
Provisions for Automatic Acceptance
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.
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 or 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 Product Disclosure Statement (PDS) and Policy Wording.
For more information
If you have any questions about our assessment, please contact Travel Guard® 1800 008 473.
When you need to travel, know you’re Good2Go.