An existing medical condition is any medical condition which:
At the time you buy your policy is:
- chronic; or,
- displaying symptoms; or,
- under investigation; or,
- pending follow-up, consultation, treatment or surgery; or where these are recommended or planned;
- or metastatic;
- or terminal; or
in the six months prior to the time you buy your policy there has been:
- treatment by a medical practitioner; or
- medication prescribed; or
Please refer to existing medical conditions that meet the criteria for automatic cover
If you are participating in Snow sports on your trip you need to add this option to be covered.
By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.
Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing.
By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".
Variable excess option An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you have changed this amount to $0.
Cruising is covered as standard. If the cruise only stops in one country, just select that country.
If the cruise only visits stops within Australia, make sure you select the ‘Cruising – Australian Waters’ option and NOT just Australia.
If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.
There are no altitude limits associated to cover when hiking. Please refer to theProduct Disclosure Statement for full term, limitations, conditions and exclusions.