What pre-existing medical conditions are covered?

  1. Acne

  2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever

  3. Asthma providing you: a) have no other lung disease; and b) are less than 60 years of age at the time you purchased the policy

  4. Bell’s Palsy

  5. Benign Positional Vertigo

  6. Bunions

  7. Carpal Tunnel Syndrome

  8. Cataracts

  9. Coeliac Disease

  10. Congenital Blindness

  11. Congenital Deafness

  12. *Diabetes Mellitus (Type I) providing you: a) were diagnosed over 12 months ago; and b) have no eye, kidney, nerve or vascular complications; and c) do not also suff er from a known cardiovascular disease, Hypertension or Hypercholesterolaemia; and d) are under 50 years of age at the date of policy purchase

  13. *Diabetes Mellitus (Type II) providing you: a) were diagnosed over 12 months ago; and b) have no eye, kidney, nerve or vascular complications; and c) do not also suff er from a known cardiovascular disease, Hypertension or Hypercholesterolaemia; and d) are under 50 years of age at the date of policy purchase

  14. Dry Eye Syndrome

  15. Epilepsy providing: a) there has been no change to your medication regime in the past 12 months; and b) you are on no more than one anticonvulsant medication

  16. Gastric Reflux

  17. Gastric/ Peptic Ulcer

  18. Glaucoma

  19. Gout

  20. Graves’ Disease

  21. Hiatus Hernia

  22. Hip/Knee replacement if performed more than 12 months ago but less than 10 years ago 

  23. *Hypercholesterolaemia (High Cholesterol) providing you do not also suff er from a known cardiovascular disease and/or Diabetes

  24. *Hyperlipidaemia (High Blood Lipids) providing you do not also suff er from a known cardiovascular disease and/or Diabetes

  25. *Hypertension (High Blood Pressure)providing you do not also suff er from a known cardiovascular disease and/or Diabetes

  26. Hypothyroidism, including Hashimoto’s Disease

  27. Incontinence

  28. Insulin Resistance

  29. Macular Degeneration

  30. Meniere’s Disease

  31. Migraine

  32. Nocturnal Cramps

  33. Plantar Fasciitis

  34. Raynaud’s Disease

  35. Sleep Apnea

  36.  Solar Keratosis

  37. Trigeminal Neuralgia

  38. Trigger Finger

*Diabetes (Type I and Type II), Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for cardiovascular disease. If you have a history of cardiovascular disease, and it is a Pre-existing Medical Condition, cover for these conditions is also excluded.

I have a Pre-existing Medical Condition that isn’t automatically covered. Can I still get cover?

For all other medical conditions, you will need to complete an online medical assessment. You can complete this as part of your travel insurance quote at www.rac.com.au/travelinsurance or call 1300 655 179 for additional assistance. This is an online set of medical questions (assessment)
which you will need to complete if you wish to buy travel insurance but have Pre-existing Medical Conditions which are not covered under the policy. Upon completion of this assessment we will inform you if the Pre-existing Medical Condition can be covered and any additional premium that would be applicable.

Am I covered if I’m pregnant?
Our policies provide limited cover for pregnancy. The following restrictions will apply for any person where a claim may arise in any way and is related to pregnancy regardless of whether it has been assessed or not:
  • Cover is only provided for unexpected complications before the 26th week; or
  • Childbirth before the 26th week which was accelerated by accidental injury

We cover single non-complicated pregnancies automatically. For all other pregnancies a medical assessment must be completed. As with all travel
insurance it is important that expectant mothers consider if they should travel, seek their doctor’s advice and ensure our policy provides the coverage they need.

What happens if I develop a medical condition after I buy travel insurance but before I leave on my trip? Would I still be covered?

If you were not aware of any symptoms of the medical condition or were not seeking treatment for the medical condition before you bought your policy, we may cover you for cancellation costs if you have to cancel the trip prior to your departure due to this medical condition. If you want to proceed with your trip (and the medical condition isn’t listed as an automatic pre-existing condition) you must contact us for a medical assessment
to check if coverage will be available and if any additional premium will apply. If you do not advise us there may be no cover for any claim resulting from or related to this medical condition.