Check your policy schedule first to identify covered pre-existing medical conditions and key details, then use the contents page to find relevant sections marked by color-coded headings: green for coverage, red for exclusions, and orange for conditions. Always read general conditions and exclusions, and if you have Silver cover, review the "What you need to know" box. If unsure, consult the contents page or policy wording for full details.
What this helps you do
This helps you find the cover, conditions and exclusions that may apply when making a claim.
Quick answer
- Outcome type: It depends. Please check your policy wording of your policy.
- Conditions: General conditions and exclusions apply to every section.
- You are not covered: Anything not listed as covered is excluded.
Steps
Use your policy schedule and policy wording to find the right information.
- Check your policy schedule. It lists the pre-existing medical conditions you are covered for and other key details.
- Use the contents page to find the section that best matches what happened.
- Look for the colour-coded headings in your policy document:
- Green: “You are covered”
- Red: “You are not covered”
- Orange: Conditions
- Read the general conditions and exclusions, as they apply to every section.
- If you have Silver cover, read the “What you need to know” box. Silver cover is more limited than standard travel insurance.
Still need help?
Check your policy documents. If you need us to send them to you, complete the form here.
Eligibility, terms and exclusions apply. Please refer to your policy documents for full details.