Pre-Existing Medical Conditions

Pre-Existing Medical Conditions

Travel insurance only provides cover for emergency medical events overseas that are sudden and unforeseen. Medical conditions that existed at the time you purchased your policy are not covered unless they are automatically covered by the policy or following an assessment by SureSave you purchase pre-existing medical cover on the terms offered by SureSave. If you have a pre-existing medical condition that is not covered SureSave will not pay an claims arising out of, or exacerbated by, that pre-existing medical condition.


If your condition(s) do not qualify as automatically covered or as a specifically excluded condition, you may have your condition assessed for cover.

Online quoting assessment:

  • Whether your condition(s) can be insured under the policy.
  • Whether any additional terms, conditions, exclusions or limitations will apply, and
  • The amount of any additional excess payable in the event of a claim and/or any additional premium to be paid.

Travelling with an existing medical condition

Not all travellers enjoy perfect health, but SureSave World Assistance want to keep their customers travelling, and safely. SureSave World Assistance believe that having an existing medical condition shouldn’t get in the way of exploring all the world has to offer. That’s why SureSave World Assistance consider and assess all existing medical conditions to determine whether they can offer cover.

What is an existing medical condition?

An existing medical condition is one for which, in the three years prior to policy purchase, you have:

  • had symptoms or been diagnosed;
  • been prescribed medication;
  • received (or are waiting for) medical treatment;
  • received (or are waiting for) tests, investigations or specialist consultation;
  • received or been advised to attend a follow-up consultation; or
  • had surgery or attended a hospital or clinic (as an outpatient or inpatient).

It also includes any chronic or ongoing medical condition or terminal illness.

This definition applies to you, your travelling companion, a close relative, someone at home and any other person.

Getting cover for existing medical conditions

A number of the most common medical conditions are automatically covered by SureSave as part of their standard cover. These can be found on SureSave World Assistance list of Automatically accepted conditions. Customers whose existing medical condition appears on this list, and who meet the criteria for that condition, are covered for events arising from that condition as part of SureSave World Assistance standard cover.

Customers whose existing medical condition appears on this list, and who meet the criteria for that condition, are covered for events arising from that condition as part of SureSave World Assistance standard cover.

If a customer has one or more existing medical conditions that are not automatically covered, in many cases they will still be able to get optional cover by applying to add them as a specified medical condition when they buy their policy.

Adding a specified medical condition (optional cover)

SureSave now offers customers the option to add cover for a specified medical condition, regardless of the plan they’re on.

To add cover for a specified medical condition, customers must let SureSave World Assistance know about their existing medical conditions at the time of policy purchase. They will need to complete a medical screening and answer some questions about their health for SureSave World Assistance to determine the level of cover they can offer.

In addition to offering medical screenings in-store and over the phone, SureSave has developed an easy online self-assessment service. Customers simply add in their conditions and answer a few questions to find out straight away whether SureSave World Assistance can provide cover and on what terms.

Medical conditions that must always be screened

If you have ever had any of the following medical conditions, you must have a medical screening at the time the policy is purchased. SureSave World Assistance will then determine if the condition can be added to the policy and covered as a specified medical condition:

  • heart conditions - cardiovascular/coronary heart disease;
  • respiratory conditions (except asthma and/or sleep apnoea providing they meet the criteria to be automatically covered);
  • chronic kidney disease;
  • conditions involving the neck or back;
  • cancer which has metastasised (the process by which cancer spreads from the place at which it first arose as a primary tumour to distant locations in the body);
  • immune system deficiencies/reduced immunity; or
  • any terminal illness.

Missed your check-up?

If you received medical advice within the last three years that you should have had a review, follow-up consultation or treatment for a medical condition – and this didn't happen – SureSave World Assistance will  classify it as an existing medical condition.


Surf Travel Insurance ABN 79083338649 AR 299807, is an Authorised Representative of Cerberus Special Risks Pty Limited ABN 81 115 932 173, AFS Licence No 308461 (Cerberus).

This is general advice and you should consider if this product suits your needs. Before you buy, please read the Product Disclosure Statement. This insurance is underwritten by certain underwriters at Lloyd's.