​Yes, Pregnancy is viewed as a pre-existing medical condition and many benefits are available to expectant mothers. See here for details.

Your due date plays an important role in whether you can get cover or not.

You are covered up to 26 weeks in the case of a single baby, and 19 weeks in the case of a multiple pregnancy.

Cover is provided to you, but not provided for childbirth or the health of a newborn child.

For full details see the PDS

For extended cover while pregnant overseas, we offer an additional product called our Pregnancy Pack.

Have you already logged a claim by telephone? You can then email your supporting documents, together with you Claim Number to: claims@travelbyus.com

If you are yet to claim, the easiest way to do so, and to share your medical records, is through our online claims system.

There are many medical benefits available to you, but unfortunately that cover is not extended to your newborn baby, or to cover childbirth costs.

You should consult your local doctor to develop an adequate action plan before departing.

Unfortunately we do not provide cover for any country listed as ‘Do Not Travel’ or ‘Reconsider your need to travel’ by the Australian Government Department of Foreign Affairs and Trade. You can see which countries are deemed high risk on the Smartraveller site.

Do Not Travel  – as at 15 April 2019

Reconsider your need to travel – as at 15 April 2019

See here for more on places we don’t cover.

We do cover many pre-existing medical conditions. You can see the full list below. Conditions do apply, so please read the PDS carefully for full details.

We will cover you automatically for a pre-existing condition listed below, as long as you have not been hospitalised for the condition within the last two years.

• acne
• allergies, limited to rhinitis, chronic sinusitis, eczema, food intolerance,
  hay fever
• asthma – providing that you: have no other lung disease, and are less than 60 years of age at the date of policy purchase
• Bell’s palsy
• benign positional vertigo
• bunions
• carpal tunnel syndrome
• cataracts
• coeliac disease
• congenital blindness
• congenital deafness
• *diabetes mellitus (type I) – providing you:
  –      were diagnosed over 12 months ago; and
  –      have no eye, kidney, nerve or vascular complications
  and
  –      do not also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia; and
  –      are under 50 years of age at the date of policy purchase.
• *diabetes mellitus (type II) – providing you:
  –      were diagnosed over 12 months ago; and
  –      have no eye, kidney, nerve or vascular complications
  and
  –      do not also suffer from a known cardiovascular disease, hypertension, hyperlipidaemia or hypercholesterolaemia.
• dry eye syndrome
• epilepsy – providing there has been no change to your medication regime in the past 12 months
• folate deficiency
• gastric reflux
• goitre
• glaucoma
• graves’ disease
• hiatus hernia
• *hypercholesterolaemia (high cholesterol) – provided you do not also suffer from a known cardiovascular disease and/or diabetes
• *hyperlipidaemia (high blood lipids) – provided you do not also suffer from a known cardiovascular disease and/or diabetes
• *hypertension (high blood pressure) – provided you do not also suffer from a known cardiovascular disease and/ or diabetes
• hypothyroidism, including Hashimoto’s disease
• impaired glucose tolerance
• incontinence
• insulin resistance
• iron deficiency anaemia
• macular degeneration
• Meniere’s disease
• migraine
• nocturnal cramps
• osteopaenia
• osteoporosis
• pernicious anaemia
• plantar fasciitis
• Raynaud’s disease
• sleep apnoea
• solar keratosis
• trigeminal neuralgia
• trigger finger
• vitamin b12 deficiency

*          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.

Please note that for insurance purposes, Pregnancy is viewed as a pre-existing medical condition. See more here.

If you have a condition that doesn’t meet the policy requirements for automatic cover, we won’t be able to cover that condition under any of our travel insurance policies.

However, we  will still cover you for a range of included pre-existing medical conditions, along with all the other standard policy benefits such as trip cancellation, or lost luggage.

Unfortunately that’s a no. By law, none of our travel insurance policies are permitted to cover medical expenses incurred within Australia. If you become sick or injured while travelling in Australia, you’ll be entitled to cover for treatment under Medicare and, or your private health insurer.

Unfortunately not. You need to be starting and ending your trip in Australia, and buying a policy for the full duration of the time you expect to be away.

Absolutely.

If your dependents are travelling with you, and are listed on your policy, then the little ones are covered for free on any of our travel insurance policies. This includes your children or grandchildren, foster or adopted children, provided they are not older than 18 years. See more here

Traveling with a little extra luggage? Congratulations on your baby news! If you’re heading off on a babymoon, or for any other reason while pregnant, you’re definitely covered for most items listed in your travel insurance policy. Where it gets a little technical is if you’re needing to claim for certain hospital or medical emergency expenses that are related to your pregnancy, including childbirth.

Pregnancy is viewed as a pre-existing medical condition and many benefits are available to expectant mothers. See here for details

Your due date play an important role in whether you can get cover or not.

You are covered up to 26 weeks in the case of a single baby, and 19 weeks in the case of a multiple pregnancy.

Cover is provided to you, but not provided for childbirth or the health of a newborn child.

For full details see pages 56 to 56, and 60 to 63 of the PDS

For extended cover while pregnant overseas, we offer an additional product called our Pregnancy Pack. Would you like to know more about that?

We will not pay medical expenses for:

• regular care following the birth
• childbirth, regardless of the stage of pregnancy
• newborn care
• repatriation of your child

At a certain point in pregnancy, doctors advise that long trips are not the safest idea. Having a baby overseas in a medical emergency is no doubt the last thing you’d want. So if you’re at, or passed 26 weeks of your pregnancy, or 19 weeks with twins or more, you’re advised not to travel, and are not covered for pregnancy-related medical expenses.

You are also not covered for medical expenses if you are undergoing fertility treatment, either now or before you start your trip, and, if you have experienced any pregnancy complications or other health complications that you have been advised may adversely affect the pregnancy.

For extended cover while pregnant overseas, we offer an additional product called our Pregnancy Pack. Would you like to know more about that?