Am I covered for a new medical condition if I develop it after I buy travel insurance?
New medical conditions that you have prior to your trip departure:
If any changes in health occur (see the PDS for our definition of ‘change in health’), which includes you developing a new medical condition after purchasing your travel insurance policy, but before the date of departure for your trip, you must contact Fast Cover and complete a further medical screening for the new condition.
If we agree to cover your new medical condition following the medical screening, an additional premium may apply, and the condition will be listed as a covered condition on your Certificate of Insurance.
If you do not notify us of any changes to your health or new medical condition after policy purchase and prior to departure for your trip and it is not listed as a covered condition on your Certificate of Insurance, there is no cover for any claims under the policy arising from the change to your health or new medical condition.
Coverage under the Trip Cancellation Expenses benefit due to an unexpected change in health may be available under your Fast Cover travel insurance policy, depending on the policy you have chosen. This coverage is subject to the terms, conditions, exclusions, limits, and sub-limits outlined in the Product Disclosure Statement (PDS).
New medical conditions that you develop during your trip:
If you develop a new medical condition after your trip begins, you do not need to complete a medical screening. Cover for new medical conditions that occur as a result of unexpected sickness or injury during your overseas trip may be available under various policy benefits on International policies, subject to policy terms and conditions. Please note that there is no medical cover within Australia as your medical expenses are generally covered by Medicare and/or your private health insurance. Therefore, we do not offer cover under our medical related benefits, under Domestic Plus policies.
As each individual’s circumstances are different, we will assess each claim on a case-by-case basis in accordance with your specific circumstances, policy terms, and Certificate of Insurance.
Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.