Worried about cover for pre-existing medical conditions? Cover-More offers automatic cover for 28 pre-existing medical conditions (so long as you meet the requirements). If your condition isn’t listed, you can apply for cover by completing a fast, over-the-phone medical assessment.

Automatically covered conditions

The following medical conditions are automatically covered, subject to terms listed in the Product Disclosure Statement. These terms include the severity of the condition and how recently your condition has required medical attention. If you meet these requirements, you can purchase your travel insurance online and click ‘No’ to medical questions. 

  • Acne
  • Allergies
  • Asthma
  • Breast/Prostate/Kidney/Bowel/Colon Cancer
  • Cataracts/Glaucoma
  • Coeliac Disease
  • Diabetes/Glucose Intolerance
  • Ear Grommets
  • Epilepsy
  • Gastric Reflux
  • Gout
  • Hiatus Hernia
  • Hip/Knee Replacement
  • Hypercholesterolaemia (High Cholesterol)
  • Hypertension (High Blood Pressure)
  • Menopause
  • Peptic/Gastric Ulcer
  • Skin Cancer (excluding Melanoma)
  • Underactive/Overactive Thyroid

Conditions that will not be covered

Under absolutely no circumstances can Cover-More provide cover for:

  • Existing conditions involving the back or neck
  • Conditions involving drug or alcohol dependency
  • Conditions for which you are travelling to seek medical treatment or review
  • Travel booked or undertaken against the advice of a medical practitioner


Conditions that will need to be assessed

If your condition isn’t listed as automatically covered, call Cover-More on 1300 72 88 22 to complete an easy over-the-phone medical assessment. Cover-More will inform you if they can cover your condition and if it will affect your premium. Be sure to mention ‘Key to the World’ so you can still enjoy the benefits.


Heart conditions, lung conditions or reduced immunity

Any traveller who has ever been diagnosed with a heart condition or a lung condition (not including asthma if under the age of 60) or any traveller with reduced immunity (e.g. as a result of medical treatment or a medical condition) will need to call Cover-More on 1300 72 88 22 to complete a medical assessment if travelling to the Americas or Africa for any length of time.

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Travelling while pregnant can be a little stressful, but don't worry; Cover-More Travel Insurance will automatically cover expectant mothers up to and including 26 weeks gestation if they meet the criteria below. For peace of mind, remember that all women travelling while pregnant will enjoy the same benefits available to all Cover-More Travel Insurance policy holders, including 24/7 emergency assistance over the phone, and overseas medical expenses cover as well as our money back guarantee.

Automatic pregnancy cover

It’s always a good idea to consult your doctor when making your travel plans, particularly after the 20th week of your pregnancy. Under both the Options and Travelsure plans, you’ll be automatically covered for pregnancy up to 26 weeks so long as:

  • You have not experienced complications during this pregnancy or previous pregnancy; and
  • The pregnancy was not conceived via medically assisted technologies (including hormone therapies and IVF)

If your pregnancy does not meet the above criteria, you may still be covered following an over-the-phone assessment.

Rest easy with Cover-More knowing that if you ever have concerns about your pregnancy while travelling, you can speak to the Cover-More Medical Assistance team who can assist you over the phone.

Pregnancy cover requiring assessment

If you have experienced complications or conceived with medical assistance, you may still be eligible for cover at an increased premium. Please phone Cover-More for an assessment on 1300 72 88. Be sure to mention Key to the World so you can still enjoy the benefits.


Pregnancy cover exclusions

Please note that Cover-More does not provide cover for childbirth or for the medical care of a newborn under the pregnancy travel insurance benefits.


Talk to the team

Our Customer Service team is available to talk to you over the phone about your cover needs and answer any questions you may have. Call 1300 72 88 22.

1Money back guarantee applies if you cancel the policy within 15 working days of purchase and you have not made a claim or departed on your journey.

Limits, exclusions and conditions apply. This is general advice only. Please consider your needs, financial situation and objectives and read the combined FSG/ PDS available from us before deciding to buy this insurance. The issuer of insurance is Great Lakes Australia ARBN 127 740 532 ABN 18 964 580 576 AFSL 318603.