When planning a trip overseas it’s important to think about your health and travel insurance requirements. Being over 60 years of age and having a pre-existing medical condition doesn’t mean you won’t be covered by travel insurance, or that it has to be expensive. But it does mean you may need to do some extra research to find the policy that’s right for you.

What is a pre-existing medical condition?

It is any physical condition, defect, illness or disease for which treatment, medication, surgery or advice (including investigation) has been received or prescribed by a medical practitioner, dental or health professional in the 12 months prior to your purchase of a policy.

If you’ve already bought a policy and you are diagnosed with a new medical condition that you weren’t fully aware of, this may be covered but discuss with your travel consultant.

How does it differ from travel insurance?

Many travel insurance policies, particularly comprehensive cover, have a list of automatically accepted conditions, as long as you haven’t been hospitalised for the condition in the past 12 months. Check your Product Disclosure Statement to see what you’re fully covered for. If you have a condition that is not automatically covered by your insurer, you may be able to get additional medical condition cover that is applied separately. The cover may be subject to special conditions, limitations, excess and amounts payable depending on your age. Your travel consultant will go through a medical questionnaire to find out whether you can be covered and what the additional cost may be.

What if you don’t choose to take out additional cover?

Your travel insurance provider won’t pay any costs arising from health problems related to or associated with that condition. If you are given medical treatment overseas, all costs including repatriation back to Australia will be at your own expense.

For more information about pre-existing medical conditions with RAC Travel Insurance call 1300 655 179 or email travelinsurance.perth@rac.com.au.

More than 2000 ways to travel and save

RAC members can save on more than 2000 travel experiences across Australia and New Zealand, including more than 150 WA-based travel experiences. You can save 10 per cent on hot air ballooning, jet boating, theme parks, sailing, wine tours and much more. Gift vouchers are also available on a huge range of unique travel experiences, with a Gift It Now service available to personalise the experience you want to give someone. To browse the discounts on o•er in WA visit www.rac.com.au/tmb and to see the range of discounted travel experiences across Australia and New Zealand visit www.rac.com.au/experienceoz. Download RAC’s Member Benefits app from www.rac.com.au/app and browse the Travel section.