Am I covered if I have a pre-existing medical condition?

We understand that when travelling, you or any of your travelling companions might suffer from a pre-existing medical condition which needs plenty of TLC.

Whilst we cannot cover any costs related to a pre-existing medical condition for you, a relative or anyone travelling with you which exists before you buy this policy or when you decide to extend the policy, we still want to be able to help you out with World Nomads Travel Insurance for many other issues that may arise.

We can offer you and your loved ones the option to buy our Standard Plan or Explorer Plan online before you take off or on your holiday, but please be aware that there's no cover for any costs arising from, or made worse by any pre-existing medical condition.

What is a pre-existing medical condition?

If any of the below conditions exist at the time you buy your policy or extend your policy, then we’ll consider that you have a pre-existing medical condition:

  • An on-going, chronic or recurring illness or disorder, injury or physical disability, medical or dental condition of which you are aware, or related to a complication you have, or the symptoms of which you are aware prior to the commencement date
  • A medical or dental condition for which advice, treatment or medication has been prescribed by a medical practitioner, dentist or a chiropractor within 180 days before you purchased your policy
  • Any condition for which you take or have taken prescribed medicine
  • Any condition for which you have had surgery; or
  • Any condition for which you see or have seen a general practitioner or a medical specialist

Are you travelling while pregnant? We can offer travel insurance that covers aspects of your pregnancy. Read this articleAm I covered if I’m pregnant for more information on pregnancy cover.

What’s not covered?

  • Any medical condition you suffer from or are treated for while travelling will be considered a pre-existing medical condition on any extension of this insurance.
  • Any pre-existing conditions of the teeth and dental treatment which is not pain relieving and provisional and can await your arrival home.
  • If you return home at any point during your trip, the medical condition that caused you to return home will be considered a pre-existing medical condition from the time you resume your trip.
  • Regarding medical and dental expenses, we don’t cover expenses for control, treatment and medicines in connection with stabilisation and regulation of a pre-existing medical condition.
  • Any other reason listed under the General Exclusions in your policy wording.

Any medical claim that we settle to you will have the policy excess deducted, per person, per claimable event.

The policy isn’t designed to cover everything. Take the time to read the terms and conditions, limitations and exclusions in the Policy Wording for full details on what is and isn’t covered. That way there are no surprises if you need to use it.

If you are unsure of whether or not you have the right cover, please contact us for help.

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Our contact details

We’re here to help if you have a question about travel insurance. We’re available:

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1)

Contact us


For policies purchase on or after 2 December 2018:

+353 21 237 8007


For policies purchased before 2 December 2018:

+61 2 8256 1542