The importance of declaring pre-existing medical conditions for seniors travel insurance

In this article we discuss the importance of declaring pre-existing medical conditions for seniors travel insurance. If you have any questions please reach out to the team at Boomers Travel Insurance for advice.

What’s a pre-existing medical condition?

A pre-existing medical condition refers to any medical condition that existed before you purchased your seniors travel insurance policy. This typically includes any illness, injury, or medical issue that you have been diagnosed with, treated for, or have experienced symptoms of prior to purchasing the travel insurance policy.

Common descriptions from seniors travel insurance providers include:

Recent hospitalisations or surgeries: Conditions that resulted in hospitalisation or surgery in the past 24 months (this timeframe may vary between travel insurance providers).

Medical advice: Conditions for which you have sought professional medical advice.

Medication: Conditions that have required medication.

Symptoms without diagnosis: Conditions where you have shown symptoms but have not yet received professional medical advice or treatment, are still under investigation, or are awaiting a specialist’s opinion.

Chronic or ongoing conditions: Chronic or ongoing medical or dental conditions, including mental illnesses.

Other ongoing issues: Conditions that affect you with any other ongoing issues or chronic illnesses that have been diagnosed.


The importance of applying for seniors travel insurance cover for pre-existing medical conditions.

Declaring pre-existing medical conditions when applying for travel insurance is important for several reasons.

1. Full disclosure

Declaring pre-existing medical conditions ensures that your seniors travel insurance provider is aware of your medical history. If your application is successful,  allows them to provide coverage that comprehensively includes potential medical issues related to those conditions.

2. Avoiding coverage gaps

If you don’t declare a pre-existing medical condition, any medical issues arising from that condition during your trip may not be covered, leading to significant out-of-pocket expenses.

3. Preventing denied claims

Travel insurance providers typically investigate medical claims thoroughly. If they discover an undeclared pre-existing condition linked to the claim, they can deny the coverage, leaving you to bear the full cost.

4. Legal compliance

Declaring pre-existing medical conditions aligns with the terms and conditions of most insurance policies, ensuring that your claims are processed smoothly and legally.

5. Managing medical costs

Medical emergencies overseas can be extremely costly. If Declaring your pre-existing medical conditions, and if approved by the seniors travel insurance provider, ensures that you are financially protected against unforeseen medical expenses.

6. Avoiding hidden costs

Understanding what is covered and what isn’t helps in planning your finances better, preventing unexpected expenditures.


One final note on declaring pre-existing medical conditions for seniors travel insurance

It’s important to note that a medical assessment and disclosure of your condition do not guarantee that your seniors travel insurance provider will approve cover for your pre-existing medical condition. Each pre-existing condition is individually assessed, and coverage is determined based on the specific medical condition, its severity, and your travel insurer’s policy.

By reading the Product Disclosure Statement (PDS) for understanding and accurately declaring pre-existing conditions when applying for seniors travel insurance, you ensure comprehensive coverage and avoid potential complications with claims, ultimately providing peace of mind during your travels.

Pre-existing medical conditions for seniors travel insurance

Travelling soon and need cover? Get a free seniors travel insurance quote

About US
Boomers Travel Insurance provides travel insurance for the ever-increasing numbers of mature age Australians travelling domestically and internationally. In partnership with Allianz Global Assistance, our travel insurance features no age caps for our Comprehensive Plans for domestic and international travel, easy application to cover existing medical conditions online or over the phone, and 24/7 emergency assistance wherever you may be in the world.*

*Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to the Product Disclosure Statement for full details.

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