Can I see a doctor, physiotherapist or chiropractor while I'm on my overseas trip?

Our policies provide cover if you unexpectedly get sick or are injured overseas. If your claim is covered, you can claim for reimbursement of expenses you incur, including medical practitioner consultations, any prescription medication you require and hospitalisation until you get back to Australia. 

Cover is also available for up to two weeks if you are unexpectedly injured overseas and then need to see the physiotherapist or chiropractor.  You do not need to have a doctor's referral if you need to see a physiotherapist or chiropractor, however, the physiotherapist or chiropractic expenses must have been incurred due to a claimable event and confirmed in writing by a medical practitioner.  If you need to see the physiotherapist or chiropractor for longer than two weeks, you must contact the Emergency Assistance team, as this must first be approved by us. 

Note: 

• You must make every effort to keep your medical or hospital expenses to a minimum.  
• You would need to pay for the consultation and prescription medication and put a claim in for the expenses. 
• Ensure that you keep all receipts and documentation to support your claim. 
• The level of cover for emergency dental expenses for the relief of sudden and acute pain to sound and natural teeth dependson the type of policy you choose. 
• There is NO cover for routine medical, dental, physiotherapy or chiropractic check-ups or visits. 
• There is no cover for elective medical, dentalor cosmetic surgery, whether it is performed overseas or in Australia. This means that if you have elective medical or dentalor cosmetic surgery, you would not be able to claim for any medical, cancellation or trip disruption expenses if you experience any direct or indirect complications from the surgery.You still have cover for unexpected medical emergencies which are not directly or indirectly related to the elective or cosmetic surgery. 
• There is no cover for any medical expenses if you are travelling aroundAustralia. 
• There is no cover for any overseas medical expenses, or prescription medication incurred for medical conditions that you had prior to your trip departure, even if your medical condition is listed as a covered condition on your certificate of insurance. 
• We will only pay for overseas treatment received for a maximum of 12 months from the sickness date or from the injury date. 
• There is no cover for any medical expenses once you return toAustraliafrom overseas, even if: 
• We have approved your medical repatriationback to Australia. 
• The medical expenses are for any sickness or injury sustained while you were overseas. 
• You were misdiagnosed by a medical practitioner while overseas. 

If you have a medical condition, check out our Medical Conditions page for more information about: 

• What we consider to be an existing medical condition, 
• Medical screening for your existing medical and pregnancy conditions, and 
• Information about the General Exclusions that may apply. 

As each individual’s circumstances are different, in the event of a claim, our claims team will assess each claim on a case by case basis.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS)