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Travel insurance for medical conditions

RACV Travel Insurance offers cover for a range of medical conditions, either automatically or after a quick online assessment.~ RACV members save 15%.* 

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RACV Travel Insurance and medical conditions

RACV International Travel Insurance provides $unlimited cover for overseas medical and hospital expenses^, including 38 common medical conditions, as long as specific criteria are met.~

If your condition isn’t on the list below (or you don’t meet the criteria) and you want cover for your medical condition, you can complete a brief medical assessment during the quote process. If cover is available, you may need to pay an additional premium and your condition will be listed on your Certificate of Insurance.

In some circumstances, cover for a condition won't be available. If you’re unsure, it's worth completing a medical assessment and getting a quote before booking your trip so you can make a more informed decision about your cover.

Travelling within Australia?

Medicare covers medical and hospital costs in Australia, but conditions still need to be declared for cancellation cover. Ambulance and private care aren't included, so check your health insurance before you go.

Explore domestic cover

What’s considered a medical condition?

Nurse wearing a mask and scrubs talking to an elderly woman.

With RACV Travel Insurance a medical condition is any condition, disorder, disease, disability or illness, including mental illness, that meets at least one of the following criteria: 

  • it's chronic, ongoing or terminal 
  • it relates to the heart, circulatory system, lungs, brain, kidneys, liver or cancer 
  • it required surgery to the back, neck, joints or abdomen 
  • in the last 24 months your symptoms: have received a diagnosis or treatment recommendation from a doctor; have become exacerbated or complicated; or would have caused an ordinary person to seek a medical opinion. 

If any of these apply, check the list of conditions below to see if you’re  automatically covered. You must meet general and condition specific criteria to receive automatic cover. Refer to page 9 of the PDS for a full list of conditions and criteria covered by RACV Travel Insurance.  

Medical conditions covered by RACV Travel Insurance

From asthma to high blood pressure, RACV Travel Insurance automatically covers 38 common medical conditions provided specific criteria are met.~ 

Allergies

  • Rhinitis
  • Chronic sinusitis
  • Eczema
  • Food intolerance
  • Hay fever

Cover excludes anaphylaxis.

Circulatory system conditions

  • High cholesterol (hypercholesterolaemia)
  • High blood lipids (hyperlipidaemia)
  • High blood pressure (hypertension)

Cover does not apply if you have cardiovascular disease or diabetes.

Respiratory conditions

  • Asthma (if you have no other lung disease and are under 60 years of age when you buy your policy)
  • Sleep apnoea

Eye conditions

  • Cataracts
  • Congenital blindness
  • Dry eye syndrome
  • Glaucoma
  • Macular degeneration

Gastrointestinal conditions

  • Coeliac disease
  • Gastric reflux
  • Gastric or peptic ulcer
  • Hiatus hernia

Endocrine conditions

  • Graves’ disease
  • Hypothyroidism, including Hashimoto’s disease
  • Insulin resistance

Diabetes (Type 1 and 2)

If you were diagnosed over 24 months ago and:

  • have no eye, kidney, nerve or vascular complications
  • do not also suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia
  • are under 50 years of age when you buy your policy.

Neurological conditions

  • Bell’s palsy
  • Benign positional vertigo
  • Carpal tunnel syndrome
  • Epilepsy (if your medication has not changed in the past 24 months and you are not on more than one anti-convulsant medication)
  • Meniere’s disease
  • Migraine
  • Trigeminal neuralgia

Musculoskeletal conditions

  • Bunions
  • Gout
  • Hip or knee replacement (if performed more than 24 months ago but less than 10 years ago)
  • Nocturnal cramps
  • Plantar fasciitis
  • Trigger finger

Skin conditions

  • Acne
  • Eczema
  • Solar Keratosis.

Other conditions

  • Congenital Deafness
  • Incontinence
  • Raynaud’s Disease.

A medical condition listed under the ‘Covered’ tab will not be automatically covered if it: 

  • is currently under investigation or waiting for diagnosis 
  • is awaiting specialist opinion, tests, surgery or other treatment 
  • has required hospitalisation or treatment in the past 24 months (beyond routine check-ups, blood tests or prescription appointments) 
  • doesn’t meet the condition-specific criteria. 

If any of the above apply – or if your condition isn’t one of the 38 listed – you’ll need to complete an online medical assessment and pay an additional premium if your condition is accepted. Any accepted conditions will be shown on your Certificate of Insurance. 

Changes in your health 

If your health changes before departure – whether that’s a new symptom, a change in medication or treatment or an entirely new diagnosis – it needs to be disclosed and assessed before you leave. 

Any changes that can be accepted will be added to your Certificate of Insurance. If changes to your health aren’t disclosed before departure, or if a reasonable person should have been aware of and disclosed a change, it could result in your claim being denied or reduced. 

To let RACV Travel Insurance know about a change in your health, call 13 13 29. 

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An award-winning offering, named a WeMoney 2026 winner for Best for Member Benefits and finalist for Best for Family Cover and a multi‑winner in the 2025 Mozo People’s and Experts Choice Awards.⋄⋄

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Frequently asked questions

Yes, mental health conditions can be covered by travel insurance and they're generally treated the same way as any other medical condition. This means some insurers may automatically include certain conditions, while others need to be declared and assessed.  

Conditions that may need disclosure include things like anxiety, depression, bipolar disorder and PTSD, depending on diagnosis, treatment history and stability. 

With RACV Travel Insurance, mental illness is considered a medical condition but it isn’t automatically included in your policy, so you’ll need to go through a brief online medical assessment before cover can be confirmed. If accepted, the condition will be listed on the Certificate of Insurance.

Yes, if your condition isn't on the insurer's list of automatically included conditions and you want cover for any claims arising from that condition.

Most travel insurance policies only cover a defined set of medical conditions automatically. Anything outside that list typically needs to be declared and assessed before you travel, so the insurer can decide whether it can be covered and on what terms.

If a relevant medical condition isn't declared, any related claim may be reduced or declined, since the insurer wasn't given the chance to properly assess it.

With RACV Travel Insurance, 38 common medical conditions are automatically included when specific criteria are met.~ Any other condition not automatically included that you want cover for needs to be declared through a quick online medical assessment, available when getting a quote.

Yes, asthma is typically treated as a medical condition by travel insurers. Many insurers will automatically include asthma, provided it meets certain stability criteria, such as no other lung conditions and no recent hospitalisation or change in treatment. 

Under RACV Travel Insurance, asthma is automatically listed under 38 medical conditsions automatcally covered provdied you meet cerain criteria.~ If your disease doesn’t meet those or the general medical condition criteria, you will have to complete a quick online medical assessment during the quote process to see if cover is available. Refer to page 9 of the PDS for a full list of general and condition-specific criteria.

Yes, in many cases, but heart conditions usually need a bit more information before cover can be confirmed.  

As heart conditions can vary in severity and stability, most travel insurers will ask for a medical assessment rather than including them automatically. Full disclosure of the condition, including its severity and treatment, is important as it directly affects whether the insurer can offer cover and on what terms. 

RACV Travel Insurance doesn’t include heart conditions on the list of 38 automatically included conditions,~ so a medical assessment is needed. If cover can be provided it'll be confirmed and listed on the Certificate of Insurance, along with any additional premium that applies.

Yes, cancer is considered a medical condition by travel insurers. 

RACV Travel Insurance doesn’t include cancer on the list of 38 automatically included conditions,~ so a medical assessment is needed to determine whether cover can be offered.  

Conditions still under investigation or awaiting treatment can't be included until that treatment or investigation is complete. Any accepted cover will be confirmed on the Certificate of Insurance. 

Yes, diabetes is considered a medical condition. Travel insurers will often automatically cover diabetes, providing certain criteria are met. 

RACV Travel Insurance offers automatic cover for both Type 1 and Type 2 diabetes where the traveller: 

  • was diagnosed more than 24 months ago 
  • has no eye, kidney, nerve or vascular complications  
  • has no known cardiovascular disease, hypertension or high cholesterol 
  • is under 50 at the time of purchase.  

Even if you don’t satisfy the criteria, cover may still be available following a brief online medical assessment while getting a quote. 

Pregnancy itself isn’t considered a medical condition, but it will still be covered by travel insurance under specific circumstances.  

RACV Travel Insurance automatically covers unexpected pregnancy complications and childbirth caused by accident if you’re 25 weeks pregnant or less at the time of travel.§§   

You may need to complete a short medical assessment during your quote if you:  

  • have had complications with this or a previous pregnancy  
  • are expecting more than one baby   
  • have a medical condition that could adversely affect your health. 

 For full details, see the Pregnancy travel insurance page.

Travel insurers generally exclude certain categories of medical conditions rather than singling out specific illnesses.  

These typically include: 

  • Undisclosed conditions: anything that should have been declared but wasn't. 
  • Conditions declined after assessment: where the insurer has assessed a condition and determined it can't be included. 
  • Conditions under investigation: where a diagnosis, specialist opinion, test result or treatment outcome is still pending. 

With RACV Travel Insurance, conditions outside the 38 automatically included conditions need to be assessed and any that aren't accepted will be listed as excluded on the Certificate of Insurance.~

If you’re travelling with a medical condition, it’s important to make sure your policy provides the cover you expect. A few things worth comparing before settling on an insurer: 

  • Medical expenses cover: check the level of overseas medical and hospital cover included, especially  whether there's a cap or it's unlimited. 
  • Eligibility criteria: look at what's needed for a condition to be automatically included, such as time since diagnosis, age limits or the absence of complications. 
  • The assessment process: check how easy it is to declare a condition, whether it can be done online and how long it takes to get a decision. 
  • Exclusions: read what's specifically excluded, including conditions under investigation or awaiting treatment. 

Have the relevant medical details on hand (diagnosis dates, medication, any recent treatment) before starting a quote, since this speeds up the assessment process.  

The Product Disclosure Statement is the best source for exact criteria, sub-limits and exclusions for any policy being considered. 

RACV Travel Insurance includes unlimited overseas hospital and medical expenses^ for 38 automatically covered medical conditions.~ If your condition isn’t on the list, you can apply for cover with a quick online medical assessment. For full details of what is and isn’t included, refer to the combined PDS/FSG

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~ You’re covered automatically for 38 medical conditions if you meet all criteria, as outlined in the PDS. Refer to the PDS for full information on medical conditions that are automatically covered.

* RACV Travel Insurance Member discount applies to the premium only (not applicable taxes).

^ ‘Unlimited’ means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.

⋄⋄ For more awards information, refer to https://mozo.com.au and https://www.wemoney.com.au/wemoney-travel-awards-2026.

§§ Pregnancy must meet specific criteria. Cover is included automatically up to the end of the 25th week of your pregnancy for a. single non-complicated pregnancies; b. unexpected pregnancy complications; and c. childbirth which was accelerated by accidental injury in limited circumstances. Terms, conditions, exclusions, limits and sub-limits apply. Refer to the PDS for full details.  

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International cover

Choose from 3 levels of international travel insurance, with cover for medical and hospital.

Car hire

RACV Members save up to 15% on car hire when booking through RACV. Terms and conditions apply.

International Driving Permit

Planning to drive on your holiday? Check if you need an International Driving Permit and find out how to apply.

Travel alerts

RACV Travel Insurance won't cover you for destinations with a "Do Not Travel" status.

Check travel status before you plan and start your trip.

Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACV Travel Insurance as the managing agent on behalf of Tokio Marine.

Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RACV’s website, or on request from RACV.

General enquiries, sales and support

  • Contact our team 7 days a week (8am to 6pm AEST) for support with your policy, or with getting a quote.

    For non-emergency support while on your trip, including policy extensions, general claims and flight delays, call +61 2 8055 1642.

13 13 29

Emergency support while overseas

Overseas emergency support 24-hours a day. Reverse charges accepted from overseas operator.

+61 2 8055 1699

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