A Comprehensive Guide: Best Travel Insurance for Pre-existing Conditions in Australia

In 2023, Australian travelers with pre-existing medical conditions face unique challenges in securing appropriate travel insurance. This comprehensive guide aims to assist in finding suitable travel insurance that caters to these specific needs, amidst the ongoing global health challenges like COVID-19.

Understanding Pre-Existing Condition Coverage in Travel Insurance

Defining Pre-Existing Medical Conditions

Pre-existing conditions in travel insurance refer to any medical issue existing prior to purchasing the policy. This includes chronic illnesses and recent health events such as surgeries.

The Importance of Declaring These Conditions

Non-disclosure of pre-existing conditions can lead to denied claims, resulting in significant financial burdens during travel.

COVID-19 Coverage and Pre-Existing Conditions

The COVID-19 pandemic has complicated travel insurance, especially for individuals with pre-existing conditions. It’s crucial to find comprehensive coverage that includes COVID-19 related health issues.

Best Travel Insurance Options for Australians with Pre-Existing Conditions

Navigating the world of travel insurance can be particularly challenging for Australians with pre-existing medical conditions. However, there are several providers that offer comprehensive and tailored plans. Here are the top four options:

1. Allianz Travel Insurance


  • Emergency medical assistance overseas.
  • Cancellation fees and lost deposit coverage.
  • Luggage and personal effects cover.

Pros and Cons:

Wide coverage for various pre-existing conditions.Some conditions may require additional screening.
Offers both domestic and international travel insurance.Premiums might be higher for extensive coverage.
Strong global assistance network for emergencies.


Highly suitable for extensive and varied coverage needs.

2. Cover-More Travel Insurance


  • Unlimited overseas medical and dental.
  • Includes additional expenses and amendments or cancellation costs.
  • 24/7 emergency assistance.

Pros and Cons:

Specific plans designed for older travelers and those with pre-existing conditions.May exclude certain high-risk conditions or require a medical assessment.
Flexible cover options to suit different travel needs.


Ideal for older travelers seeking flexible coverage.

3. Bupa Travel Insurance


  • Overseas medical and hospital expenses cover.
  • Travel delay and cancellation cover.
  • Personal liability cover.

Pros and Cons:

Offers coverage for a wide range of medical conditions.Some pre-existing conditions may not be covered or might require a higher premium.
Tailored plans for different age groups and travel destinations.


Comprehensive for a broad spectrum of travellers.

4. QBE Travel Insurance


  • Comprehensive medical and dental cover.
  • Cancellation and additional expenses.
  • Luggage and travel documents cover.

Pros and Cons:

Provides an online medical assessment for pre-existing conditions.Certain severe medical conditions might not be covered.
Coverage for international and domestic travel.


Efficient for travelers who prefer online health assessments.

Allianz Travel Insurance – A Closer Look

Allianz, a prominent player in the Australian travel insurance market, is reviewed in-depth with a focus on its coverage for pre-existing conditions, reputation, and customer feedback.


1. Is Allianz travel insurance good?

An overview of Allianz travel insurance ratings and customer feedback.

2. Which country owns Allianz?

Brief history and origin of Allianz.

3. How big is Allianz in Australia?

Discussion on Allianz’s presence in the Australian insurance market.


Choosing the right travel insurance for pre-existing conditions requires careful consideration. For Australian travelers in 2023, it’s essential to find a policy that offers peace of mind and comprehensive coverage tailored to their health needs.

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