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842 posts

Ultimate Geek

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# 223574 6-Oct-2017 15:47
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Is there a travel insurance company that will cover pre-existing health conditions without increasing the price too much. If you're good and healthy that's great any company will cover you. I have pre-existing conditions some of which go back over 20 years and are all under control but still my recent travel insurance to the pacific islands increased more than 3 fold and the unlimited cover dropped to $45,000 maximum.


Is this normal for all companies to triple the premium and significantly drop the maximum cover provided for any health issue?


Let me know who covered you without making you feel you were an undesirable risk and charged a reasonable premium while still giving a good level of cover. One has the option to not cover pre-existing conditions but then if something does go wrong you're on your own.


Look forward to hearing which company from your experience gives the best deal. P.S. I am 63. Have too many platelets in the blood diagnosed in the 1990's which is my main pre-existing condition, not on warfarin just daily low dose aspirin and give blood regularly to reduce the platelet count.




Edit: Forgot to add there was also a $4,500 excess. My travel partner has Osteoporosis which contributed to the price increase.

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5762 posts

Uber Geek

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  # 1878537 6-Oct-2017 15:47
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Allow me to introduce you folks to our new travel community: TravelTalk NZ.


We hope to see you there!


I am the Geekzone Robot and I am here to help. I am from the Internet. I do not interact. Do not expect other replies from me.

564 posts

Ultimate Geek

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  # 1878553 6-Oct-2017 16:23
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It's been a while but I've had travel insurance with Southern Cross, State (IIRC) and Westpac (not sure who underwrote that at the time). I was able to get the standard pricing/terms etc as my pre-exisiting condition was on a list of approved conditions. Southern Cross asked me to chat with a nurse who after questioning was satisfied that my condition was controlled. Not much help in your situation because it sounds like you have a more riskier (from a insurance perspective) condition. I suggest you apply to several companies. The prices/terms offered will be heavily dependent on your specific circumstances and will likely be quite different to other people's prices/terms.


5434 posts

Uber Geek

  # 1892599 30-Oct-2017 14:04
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Based on my recent experience ... Not 1 Cover


I had a recent transitory, minor health issue.


1 Cover excluded it from my policy.  This seemed reasonable, but they also took the opportunity to exclude (mild) Asthma and Hay-fever, which are two conditions they automatically cover under normal circumstances.


I'll be going with someone else next time.








1982 posts

Uber Geek


  # 1892637 30-Oct-2017 14:49
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Try aon stylecover



Antonios K


Click to see full size

842 posts

Ultimate Geek

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  # 1892649 30-Oct-2017 15:29
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1Cover was expensive alright. Have gone with Allianz Global Assistance for now. Still not cheap but no high excess. Also have found if you don't have a diagnosis, just symptoms with no known cause they will not cover you for that condition.

Oh no, not another end of the world prediction

1864 posts

Uber Geek


  # 1892651 30-Oct-2017 15:39
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Southern Cross travel insurance is the best by far in my opinion.


I always get preexisting conditions covered, and it doesn't cost that much more. The cost will depend on the condition though.


You can get a quote here:







2523 posts

Uber Geek

Lifetime subscriber

  # 1892655 30-Oct-2017 16:03
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Also check your credit card for travel insurance freebie when purchasing the travel. Mine has in the T&C that no pre-existing conditions are covered, but you can phone them to get cover for an additional fee. Never tried it though.



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