Travel Insurance for Pre Existing Medical Conditions

You’ll be pleased to learn that Bright Trip Insurance policies cover certain specified pre-existing health conditions as standard and at no extra cost.

What Medical Conditions Are Automatically Covered?

  • Asthma - If You have not had an asthma attack requiring treatment by a Doctor in the last twelve (12) months.
  • Diabetes Non-insulin dependent - If You were diagnosed over twelve (12) months ago and have not had any complications in the last twelve (12) months. You must also have a blood sugar level reading between 4 and 10.
  • Epilepsy - If there are no underlying medical conditions and You have not required treatment by a Doctor for a seizure in the last twelve (12) months.
  • Gout - If the gout has remained stable for the past six (6) months.
  • Hiatus Hernia - If no surgery is planned in the next two (2) years.
  • Hip Replacement - If performed more than six (6) months ago.
  • High Blood Pressure - If You have no known heart conditions and Your current BP reading is below 165/95.
  • High Cholesterol - If You have no known heart conditions.
  • Peptic Ulcer - If Your condition has remained stable for more than six (6) months.
  • Prostate Cancer - If You have a Gleason Score P.S.A. (Prostate Specific Antigen) reading of 3.0 or less.
  • Stroke - If the stroke occurred more than twelve (12) months ago and no further rehabilitation or specialist review is planned.
  • Underactive Thyroid - If not as a result of a tumour.

We will not (under any section of this Policy) pay for claims arising directly or indirectly from any Pre-Existing Medical Condition of any other person unless the person is hospitalised or dies in Australia after the Issue Date and, at the Issue Date, You have a reasonably held view that the chance of a claim occurring was highly unlikely. The maximum amount We will pay under the Policy for claims arising from Pre-Existing Medical Conditions of any other person is $4,000.