voco Gold Coast
Getting travel insurance should be part of the preparation process for every exciting holiday, whether it’s domestic or international. Travel insurance is designed to protect you - however, there is a great deal of confusion around travel insurance and existing medical conditions, or EMCs. To ease this pain point, we’ve broken down the basics with the help of Cover-More.
While every insurer defines an EMC differently, Cover-More defines an EMC as a disease, illness, medical or dental condition or physical defect that at the time the policy is issued, meets any one of the following:
There are some EMCs for which coverage will not be granted, such as terminal illness, conditions involving drug or alcohol dependency, or travel booked or undertaken against the advice of any medical practitioner, so it’s always best to know what your policy covers you for before you go.
It’s possible - the first step to finding out for certain is completing a health assessment. Most insurers will simply require an additional premium if you’re approved and want cover for the conditions.
Cover-More provide health assessments online and free of charge. During an assessment, it’s important to be honest - by declaring some conditions and not others, or not declaring an EMC at all you could put yourself at risk by not being suitably covered.
Each insurer has its own variance on what is automatically approved. Cover-More has provided 7travel a few examples of common EMCs and what criteria you must meet for those conditions to be eligible for cover*:
Never let confusion stop you from travelling!
When booking your holiday, simply ask your 7travel Holiday Expert about travel insurance. If you want to be covered for a specific EMC, follow your insurer’s EMC process. Be honest about your conditions – by not declaring an EMC, you run the risk of not being paid out, should you need to make a claim.
A few extra minutes in the planning process could make a world of difference later.
For more information on Cover-More’s travel insurance or to get a quote today, click here.
* Cover for these conditions is automatically included on Cover-More policies as long as all the conditions you have meet the Auto accept criteria. If all of your conditions are not automatically covered then a health assessment would need to be completed.
Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507).
Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance.
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