​Yes, Pregnancy is viewed as a pre-existing medical condition and many benefits are available to expectant mothers. See here for details.

Your due date plays an important role in whether you can get cover or not.

You are covered up to 26 weeks in the case of a single baby, and 19 weeks in the case of a multiple pregnancy.

Cover is provided to you, but not provided for childbirth or the health of a newborn child.

For full details see the PDS

For extended cover while pregnant overseas, we offer an additional product called our Pregnancy Pack.

Have you already logged a claim by telephone? You can then email your supporting documents, together with you Claim Number to: claims@travelbyus.com

If you are yet to claim, the easiest way to do so, and to share your medical records, is through our online claims system.

There are many medical benefits available to you, but unfortunately that cover is not extended to your newborn baby, or to cover childbirth costs.

You should consult your local doctor to develop an adequate action plan before departing.

If you’re overseas and need to call us in an emergency or to make a claim we’ll accept a reverse charges call. These can be made in most countries by contacting an international operator within the Telstra network. Here’s how to do it.

A reverse charge call is an operator assisted service where the recipient pays for the call. We recommend using Telstra’s service, known as Australia Direct Reverse Charge to call our emergency claim number: +61 2 8256 1794

If you’re overseas and need to call us in an emergency or to make a claim we’ll accept a reverse charge call. These can be made in most countries by contacting an international operator number, however, there may be restrictions when using mobile phones.

Here is the list of Telstra reverse charges numbers to call, depending on the country you’re in.

A few of the most commonly needed reverse charge operator numbers are: 

• Canada:1800 663 0683
• China: 108 610 or 1082 610
• Fiji: 004 890 6101
• Indonesia: 001 801 61

Step 1
To reverse charge call us, you will start by calling the Australia Direct Reverse Charge access number for the country you are in and ask the Telstra operator for assistance.

To call the relevant access number, you’ll need an outside line if calling from a hotel (request this from reception).

Step 2
The Telstra operator will then re-direct your call to the Travel by Us emergency claim phone number: +61 2 8256 1794

Unfortunately we do not provide cover for any country listed as ‘Do Not Travel’ or ‘Reconsider your need to travel’ by the Australian Government Department of Foreign Affairs and Trade. You can see which countries are deemed high risk on the Smartraveller site.

Do Not Travel  – as at 15 April 2019

Reconsider your need to travel – as at 15 April 2019

See here for more on places we don’t cover.

We do cover many pre-existing medical conditions. You can see the full list below. Conditions do apply, so please read the PDS carefully for full details.

We will cover you automatically for a pre-existing condition listed below, as long as you have not been hospitalised for the condition within the last two years.

• acne
• allergies, limited to rhinitis, chronic sinusitis, eczema, food intolerance,
  hay fever
• asthma – providing that you: have no other lung disease, and are less than 60 years of age at the date of policy purchase
• Bell’s palsy
• benign positional vertigo
• bunions
• carpal tunnel syndrome
• cataracts
• coeliac disease
• congenital blindness
• congenital deafness
• *diabetes mellitus (type I) – 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, hypertension, hyperlipidaemia or hypercholesterolaemia; and
  –      are under 50 years of age at the date of policy purchase.
• *diabetes mellitus (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, hypertension, hyperlipidaemia or hypercholesterolaemia.
• dry eye syndrome
• epilepsy – providing there has been no change to your medication regime in the past 12 months
• folate deficiency
• gastric reflux
• goitre
• glaucoma
• graves’ disease
• hiatus hernia
• *hypercholesterolaemia (high cholesterol) – provided you do not also suffer from a known cardiovascular disease and/or diabetes
• *hyperlipidaemia (high blood lipids) – provided you do not also suffer from a known cardiovascular disease and/or diabetes
• *hypertension (high blood pressure) – provided you do not also suffer from a known cardiovascular disease and/ or diabetes
• hypothyroidism, including Hashimoto’s disease
• impaired glucose tolerance
• incontinence
• insulin resistance
• iron deficiency anaemia
• macular degeneration
• Meniere’s disease
• migraine
• nocturnal cramps
• osteopaenia
• osteoporosis
• pernicious anaemia
• plantar fasciitis
• Raynaud’s disease
• sleep apnoea
• solar keratosis
• trigeminal neuralgia
• trigger finger
• vitamin b12 deficiency

*          Diabetes (type I and type II), hypertension, hypercholesterolaemia and hyperlipidaemia are risk factors for cardiovascular disease. If you have a history of cardiovascular disease, and it is a pre-existing medical condition, cover for these conditions is also excluded.

Please note that for insurance purposes, Pregnancy is viewed as a pre-existing medical condition. See more here.

If you have a condition that doesn’t meet the policy requirements for automatic cover, we won’t be able to cover that condition under any of our travel insurance policies.

However, we  will still cover you for a range of included pre-existing medical conditions, along with all the other standard policy benefits such as trip cancellation, or lost luggage.

Unfortunately that’s a no. By law, none of our travel insurance policies are permitted to cover medical expenses incurred within Australia. If you become sick or injured while travelling in Australia, you’ll be entitled to cover for treatment under Medicare and, or your private health insurer.

Unfortunately not. You need to be starting and ending your trip in Australia, and buying a policy for the full duration of the time you expect to be away.

Absolutely.

If your dependents are travelling with you, and are listed on your policy, then the little ones are covered for free on any of our travel insurance policies. This includes your children or grandchildren, foster or adopted children, provided they are not older than 18 years. See more here