Am I covered if my medication changed after I purchased my policy and before I travel, for a medical condition listed as covered on my certificate of insurance?

The following advice is general advice only and has not taken into account your individual objectives, financial situation or needs. Consider the PDS prior to deciding whether this policy is right for you.

You must complete another medical screening for any changes to your health, which includes any changes to the medication that you are taking, after you purchase your policy and before you depart for your trip. 

If you do not complete a medical screening for any changes in health that occur prior to your departure for your trip, there will not be any cover for your medical condition, even if it was initially listed as a covered condition on your certificate of insurance. 

We consider changes in health to mean: 

• the occurrence of any new medical condition,  
• advice from a medical practitioner that you are not fit to travel, including on your trip,  
• the stated answers in the certificate of insurance regarding any listed medical condition are no longer correct or up to date,  
• any change in the diagnosis, prognosis, treatment or medication (including dose) of a listed medical condition,  
• any change in the diagnosis, prognosis, treatmentor 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 listed 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. 

Note: 

There is no cover for the cost of replacing or purchasing any medication for the medical condition that you were aware of prior to your departure for your trip if your medication is lost, delayed or you run out of them while you are on your trip. As a precautionary measure, you should consider keeping sufficient quantities of your medication with you in your carry-on luggage and not in your checked-in luggage in case your checked-in luggage is delayed or lost by your carrier. 

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).