Existing Medical Conditions and Age Restrictions 


Coverage for an Existing Medical Condition is available on the International, Annual Multi Trip and Australian Travel Plans.

If you are applying for an International or Annual Multi Trip Plan you must tell us if you have a High Risk Existing Medical Condition.  Otherwise the choice is yours whether you apply for any other Existing Medical Condition if you are under 70 years of age. Below is the list of Conditions Automatically covered for Free for this age group.

If you are 70 years of age or over, regardless of your health, QBE must be advised in order for you wish to purchase and be covered by a QBE International Policy.   

As an Australian Resident of any age,  if you are applying for a Travel Insurance Policy for travel within Australia only,  you are free to choose whether you wish to seek cover for an Existing Medical Condition.   

During the application process through this website you will be pointed in the right direction as long as you answer the questions truthfully and correctly. 


Conditions Automatically Covered for Free   

Provided the following existing medical conditions are stable and you or anyone else to be covered are not waiting for treatment, on a hospital waiting list or awaiting results of medical tests or investigations in relation to any of these conditions, cover is provided without application.

  • Acne
  • Allergies - such as allergic rhinitis, chronic rhinitis, hayfever, sinusitis, anaphylaxis, dermatitis, eczema, psoriasis, urticaria, food intolerance, latex allergy
  • Anaemia - including iron deficiency anaemia, B12 deficiency, folate deficiency, pernicious anaemia
  • Asthma - provided you are under 60 years of age and you have not required cortisone medication, except taken by inhaler or puffer, or hospitalisation for the past 12 months including as an outpatient.
  • Bell's palsy
  • Benign breast cysts
  • Bunions
  • Carpal Tunnel syndrome
  • Coeliac disease
  • Congenital blindness/deafness
  • Diabetes Mellitus Types 1 and 2 provided you were not diagnosed within the last 12 months and where you have no known cardiovascular, hypertensive, vascular disease, no related kidney, eye or neuropathy complications
  • Epilepsy - you have been seizure free for the past 12 months or do not require more than 1 anti-seizure medication
  • Goitre, hypothyroidism, Hashimotos disease, Graves disease
  • Hiatus hernia/Gastro-oesophageal reflux disease, Peptic ulcer disease
  • High Blood Pressure (Hypertension) - stable
  • High Cholesterol (Hypercholesterolaemia)
  • High Lipids (Hyperlipidaemia)
  • Insulin resistance, impaired glucose tolerance
  • Incontinence
  • Menopause
  • Migraines except where you have been hospitalised in the past 12 months
  • Nocturnal cramps
  • Osteoporosis - where there have been no fractures and you do not require more than 1 medication or suffer any back pain condition
  • Plantar fasciitis
  • Pregnancy related illness up to and including 26 weeks gestation; provided that there have been no complications in this pregnancy or any previous pregnancy; or this pregnancy has not been assisted by artificial reproductive techniques, eg IVF
  • Raynaud's Disease
  • Trigeminal neuralgia
  • Trigger finger
  • Routine screening tests where no underlying disease has been detected


High Risk Existing Medical Conditions


If you are applying for an International or Annual Multi Trip Travel Plan you must tell us if you or anyone in your travelling party has any of the following existing medical conditions.

Cardiovascular/Cerebrovascular Diseases


  • Angina (Coronary Artery Disease/Ischaemic Heart Disease)
  • Myocardial Infarction (Heart Attack)
  • Cardiomyopathy
  • Cardiac arrhythmias (disturbances to the heart rhythm)
  • Congestive cardiac/heart failure
  • Cerebrovascular Accident (CVA/Stroke/TIA - Transient Ischaemic Attack)
  • Cardiac Valve Disease
  • Previous cardiac surgery (stents, bypass surgery, valve replacement, and pacemakers intracardiac devices)
  • Aneurysms


Chronic Lung Diseases


  • Peripheral Vascular Disease
  • Emphysema
  • Chronic bronchitis
  • Bronchiectasis
  • Chronic obstructive airways/pulmonary disease (COAD/COPD)
  • Pulmonary Fibrosis/Asbestosis
  • Cystic Fibrosis


Neurological Disorders


  • MS (Multiple Sclerosis)
  • Parkinsons Disease
  • Motor Neurone Disease
  • Muscular Dystrophy
  • Myasthenia Gravis
  • Traumatic Brain Injury




  • Organ transplants
  • Any back condition, including chronic pain and/or surgery in the last 5 years
  • Any condition for which you have undergone surgery or which has been under investigation within the last 12 months.
  • Any condition that is awaiting investigation or treatment
  • Any cancer that was diagnosed within the last 5 years excluding non-melanoma skin cancers