One minute you’re taking a cruise down the Seine in Paris, the next you’re on your way to hospital dealing with another attack of that chronic condition you’d hoped wouldn’t join you on your holiday. The question is – will your travel insurance cover it?
nib Travel plans offer travel insurance cover for more than 40 existing medical conditions, but you should be aware that there are conditions attached to these which you will need to meet in order for them to be covered.
And if you have an existing medical condition that isn’t automatically covered, you can apply to add the condition as a ‘Specified medical condition’ (Not available on the Essentials Plan).
Simply put it is a condition that, at the time you bought the travel insurance policy, you or a reasonable person in your situation should have known existed. This includes conditions for which you may not be diagnosed but have been experiencing symptoms.
The full definition in the PDS further outlines what this means but common sense can help. For example:
You can view the list of automatically covered existing conditions in the Domestic and International PDS. We offer cover for more than 40 of our more common conditions such as asthma, diabetes, vertigo and common allergies. If your condition is included, and you satisfy all the criteria related to that condition, then you’re covered for events that arise from that condition as part of our standard cover. Exclusions may apply in the event of a claim.
If your condition is not automatically covered you can apply to add the condition as a ‘Specified Medical Condition’ to our domestic and international comprehensive plans which will ensure you’re covered for events that arise from that condition, although an additional premium and excess may apply. This additional option is not available on the Essentials Plan.
Steps to apply for a Specified Medical Condition to be added to your policy
If your condition is automatically covered, or we’ve accepted and added it to your Certificate of Insurance as a Specified Medical Condition (Excludes Essential Plan), you are eligible for cover under our plans. This cover includes:
What’s not covered?
Travel insurance is designed to help with those unexpected events that can occur while travelling but doesn’t cover everything – some things we don’t cover include:
There are many terms, conditions, limitations and exclusions that relate to existing medical conditions. Read your policy carefully and contact us if you have any queries.