Cancer And Travel Insurance

• If I’m not covered for cancer, is there any point in travel insurance?

• If we are unable to provide cover for your cancer but are still able to offer you a policy, there are other benefits still on offer, including medical cover for other unforeseen injuries or illness, cancellation fees and lost deposits, and your luggage and personal effects. See our comprehensive travel insurance page for more details. 

• Do I need to disclose my condition if I no longer have cancer?

• Yes, cancer that you've had in the past is a pre-existing medical conditions that needs to be declared.

• Why is cancer considered a pre-existing medical condition?

• A pre-existing condition could be anything that is chronic or ongoing, or has ongoing implications. It could also be something that you take regular medication for. Visit our pre-existing medical conditions page for our full definition.  

• What if I have cancer but I don’t get travel insurance?

• Travel insurance provides cover for a wide range of benefits, so although, in some cases, we may not be able to provide cover for anything that’s related to your condition, we may offer cover for other unforeseen events.
  
  If you don’t take out any travel insurance you will be liable to pay all expenses that you incur when the unforeseen happens.

• What if I am diagnosed with cancer after I have purchased a travel insurance policy?

• If your cancer was diagnosed after you purchased your policy and you had no signs, symptoms or investigations, then you would have a provision to claim for unforeseen incidents that arouse from this newly diagnosed condition.
  
  For example, you might need to cancel a trip, or if you were diagnosed overseas, you may have provision to claim for overseas medical and hospital expenses.

• What if I am diagnosed with a secondary cancer after purchasing a policy?

• If we agreed to cover your primary cancer, and you paid any additional premiums, and then you developed a secondary cancer that you could not have foreseen, then you may have a provision to claim for this.

• What do i do If I get sick overseas?

• If you’re sick or injured, we advise that you or a member of your travelling party call our medical assistance team as soon as possible. Our medical team will liaise with the treating hospital, and if you are covered, may provide written guarantees of payment for reasonable expenses (subject to your claim being approved). If you are covered and approved for medical evacuation, they will arrange this, if it’s deemed necessary.
  
  For minor ailments, such as those that only require a GP visit, you may choose to visit a doctor, pay for your visit upfront, and then submit your claim either from overseas or once you return home. Make sure that you keep all receipts and reports from your treating doctor, including the diagnosis and treatment notes and any other documents.
  
  If your total cost of treatment will exceed $1,000 you MUST contact our medical assistance team as soon as possible.
  
  If you are still uncertain about what to do in relation to an injury or illness, please contact our medical assistance team for further advice.

• How does cancer affect my frequent traveller policy?

• Cover for cancer on a Frequent Traveller policy works in the same way as single trip policies. You’ll need to disclose your condition and we will let you know the outcome and whether we can offer you travel insurance.
  
  If you’re diagnosed with cancer part way through your Frequent Traveller policy, your new condition will be considering a pre-existing condition for the remainder of your policy. This means you’ll need to disclose your condition before you go on any further trips.

• What if i forgot to tell you about my cancer?

• If you forgot to disclose your condition and your policy has not started we may be able to add it. You can call our Customer Care Team to carry out an assessment for your condition.
  
  Please be aware that depending on the outcome of the assessment you may need to pay an additional premium. We cannot guarantee that we will be able to cover your condition even after you have declared it on an existing policy.
  
  All terms, conditions and limitations will apply in the same way as if you had disclosed the condition when you purchased the policy.

• What if I am in remission from cancer?

• We offer cover to many people who are in remission - but we need to know about your individual circumstances. When you purchase your policy, you’ll be able to disclose any cancer you had in the past, and we’ll let you know if we can provide you with travel insurance.  

• What if my condition is terminal?

• If you have been given a terminal diagnosis, we’re very regretfully unable to issue you with a policy.

• What if I am in the middle of a diagnosis?

• If you are still under investigation, undergoing tests or awaiting treatment, we may not be able to provide you with cover in relation to this condition.  You’ll need to disclose your condition and we may still be able to provide cover for all other benefits of the policy and for unforeseen injury or illness not related to the diagnosis.

• What if I have cancer as well as other pre-existing medical conditions?

• If you have any other pre-existing medical conditions you will need to disclose them.

• Do you cover cancer at all stages?

• Whether we can offer cover for your cancer would be determined by your medical assessment.

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