What happens if my medical condition changes before I travel, even if it’s listed as covered on my Certificate of Insurance?

If you have changes in health after you purchase your policy but before you depart on your trip, you must complete a new medical screening. 

Example of changes in health includes: 

• the occurrence of any new medical condition after your Policy issue date and before the date of departure for your trip, or 
• advice from a medical practitioner that you or a relevant person are not fit to travel, including on your trip, or 
• the stated answers on your certificate of insurance regarding any medical condition or pregnancy condition listed on your certificate of insurance are no longer correct or up to date, or 
• any change in the diagnosis, prognosis, treatment or medication (including dose) of a medical condition or pregnancy condition listed on your certificate of insurance, or 
• any change in the diagnosis, prognosis, treatment or medication (including dose) of a medical condition which you had more than 3 years prior to the policy purchase date, or 
• any unexpected admissions to hospital or surgery for any medical condition or pregnancy condition listed on your certificate of insurance. 

Before the date of your departure of your trip, you must have written confirmation from your medical practitioner that you are fit to travel for any changes in health listed as covered on your certificate of insurance. The written confirmation does not need to be sent to us, however, it may be required in the event of claim. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.