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Pre Existing Medical Conditions 

DUinsure travel insurance only provides cover for emergency overseas medical events that are unforeseen. Medical conditions that were pre existing at the time of the policy being issued are not covered, unless they are a condition that we expressly agree to cover.

If you have a pre existing medical condition that is not covered by this policy, we will not pay any claims arising from, related to or associated with that condition. This means that you may have to pay for an overseas medical emergency and any associated costs which can be prohibitive in some countries.

A pre existing medical condition is:

a)    Any medical, physical or mental condition, defect, disease or illness, of which you were aware or should reasonably have been aware, and for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 90 days prior to the relevant time; or
b)    Any condition that involves your heart, brain, circulatory system/blood vessels, your lung or respiratory conditions or any type of cancer that has been investigated or treated by a health professional prior to the relevant time; or
c)    Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, and which is medically documented or under investigation prior to the relevant time; or
d)    Any condition for which you have undergone surgery  in the past 12 months; or
e)    Pregnancy (see general exclusion 19 on page 45); or
f)    Any of the above conditions which are the subject of an investigation, even if the condition has not been diagnosed.

Relevant time in respect of:
a)    Single trip policies means the time of issue of the policy.
b)    Frequent traveller policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is
issued, whichever occurs last.
This above definition applies to you, your travelling companion, a relative or any other person. 

Automatically Covered

The pre existing medical conditions listed below are automatically covered under this policy without assessment or additional charge, provided:

  • The condition has been stable for more than 12 months; and
  • There is no planned surgery, treatment or specialist review; and
  • You have not attended hospital for treatment for the condition in the past 12 months.
  •  Cover does not extend to cover any routine treatment or management of your approved pre existing medical condition(s); for example, blood test and prescription renewals.


1. Acne

2. Allergies, limited to rhinitis, chronic sinusitis, eczema, food intolerance, hay fever

3. Asthma – providing that you:

  • have no other lung disease; and
  • are less than 60 years of age at the date of issue of the certificate of insurance

4. Bell’s palsy

5. Benign positional vertigo

6. Bunions

7. Carpal tunnel syndrome

8. Cataracts

9. Coeliac disease (gluten intolerance)

10. Congenital blindness

11. Congenital deafness               

12. Dry eye syndrome


13. Diabetes mellitus (Type I & Type II) – providing you:

  • Were diagnosed over 12 months ago, and
  • Have no eye, kidney, nerve or vascular complications, and
  • Do not also suffer from a known cardiovascular disease, and
  • Are under 50 years of age at the date of policy issue

14. Epilepsy – providing you have not had any seizures in the past 12 months, and you are on no more than one anticonvulsant medication

15. Folate deficiency

16.   Gastric reflux (heartburn, indigestion)

17.   Goitre

18.   Glaucoma (increased ocular pressure)

19.   Graves' disease

20.   Hiatus hernia



21. Hypercholesterolaemia (high cholesterol) - provided you do not also suffer from a known cardiovascular disease

22. Hyperlipidaemia (high blood lipids) – provided you do not also
suffer from a known cardiovascular disease

23. Hypothyroidism (underactive thyroid), including Hashimoto’s disease

24. Hypertension (High Blood Pressure) – provided you do not also suffer from a known cardiovascular disease and your most recent reading is less than 165/95      

25. Impaired glucose tolerance (glucose
intolerance, pre-diabetes) are under
50 years of age at the date of policy issue.

26.   Incontinence

27.   Insulin resistance

28. Menopause – provided you do not
have osteoporosis.

29.   Nocturnal cramps

30.   Pernicious anaemia

31.   Raynaud’s disease

32.   Sleep apnoea

33.   Trigeminal neuralgia

34.   Trigger finger

35.   Vitamin B12 deficiency