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Don’t let pre-existing medical conditions
stop you from seeing the world

Travel Insurance with Pre-existing Medical Conditions

We want you to be able to travel far and wide, that’s why we cover a wide range of pre-existing medical conditions. So you can be sure that wherever you go, you're in excellent hands. Please also note that to be eligible you must be aged 74 years or under at the time the policy is issued.

We assess a range of medical conditions to evaluate whether we can provide cover for it. Yours may fall into one of the three following categories:

  1. Conditions automatically covered at no extra cost

    There are 36 pre-existing medical conditions we may automatically cover at no extra cost.

    If your pre-existing medical condition is in this list, cover may be provided. However, you must not have been hospitalised with it (this includes day surgery or emergency-department attendance) in the 24 months prior to the date your policy is issued.

  2. Conditions not automatically covered requiring assessment

    If your pre-existing condition isn’t included in the list above, you can still apply to have your condition covered via the following methods:

    • Online

      On Step 3 of the quote form, you’ll have the option to complete an online medical assessment for each traveller.

    • Call

      Our friendly team are happy to help out with any questions. Simply call 1800 134 419 and select option 1 then 3 to speak to one of our specialists.

    Whichever path you choose, you’ll just need to answer some questions about your condition. Based on your answers, we'll let you know if we can cover you and if an additional premium applies.

  3. Conditions we won’t cover

    If you have any of the medical conditions/circumstances listed below, unfortunately no cover will be provided:

    • you are awaiting, or you have had, an organ transplant;
    • you have been given a terminal prognosis with a life expectancy of under 24 months;
    • you require home oxygen therapy, or you require oxygen for the journey;
    • you have AIDS or an AIDS defining illness; or
    • you have chronic renal failure which is treated by haemodialysis or peritoneal dialysis

    If you're not eligible for cover for your pre-existing medical condition, you won’t be able to purchase a Comprehensive, Basic, Multi-Trip or Domestic travel insurance policy but you can still take up our Non-Medical Plan.

If you’re unsure about whether your condition is covered, it's best to check via the following:

  • Online

    Get a quote online and complete an online medical assessment in Step 3.

  • Call

    Our friendly team are happy to help out with any questions. Simply call 1800 134 419 and select option 1 then 3 to speak to one of our specialists.


As always, you can rest easy with Virgin Money. Our partnership with Allianz Global Assistance proves it. They’re a leader in providing global emergency medical assistance, so you’ll always be in the safest of hands.

  • 24x7 Emergency Assistance
  • Cover Plans for all Travellers
  • Great Choice of Additional Options
  • Discounts for Couples

Important stuff

See Product Disclosure Statement for terms, conditions, excesses, limits and exclusions that apply. This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. Please consider the Product Disclosure Statement and Financial Services Guide before deciding whether to buy this product. If you purchase a policy, Virgin Money receives a commission which is a percentage of your premium – ask us for more details. View Privacy & Security information.

Virgin Travel Insurance promoted by Virgin Money (Australia) Pty Limited ABN 75 103 478 897, authorised representative No 280884 of Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869. AGA Assistance Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance issues and manages Virgin Travel Insurance on behalf of the insurer, Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708.