Existing medical conditions

Save 5% on a new policy if you already have insurance with us1

With NRMA Travel Insurance, there are many medical conditions that we cover automatically without needing them to be listed on your policy.

Having a travel insurance policy does not automatically cover claims arising from, or exacerbated by, Existing Medical Conditions or pregnancy. However, you can apply to have Existing Medical Condition cover included within your NRMA Travel Insurance policy by answering some simple questions. If we agree to offer cover for Existing Medical Conditions, it may be subject to special conditions, limitations, excesses and amounts payable depending on your age and your trip duration and destination.


If you're aware of the pregnancy prior to the relevant time an online medical assessment must be completed if any of the following apply:

  • There have been complications with this pregnancy or any previous pregnancy
  • You have a multiple pregnancy
  • The conception was medically assisted (including hormone therapies and IVF)

You can complete this as part of your NRMA Travel Insurance quote2.

Whether or not you have to apply for pregnancy cover, the following restrictions apply for any person where a claim may arise in any way as a result of pregnancy:

  • Cover is only provided for unexpected serious pregnancy complications which occur before or during the 23rd week of pregnancy
  • No cover is provided for childbirth or the health of a newborn child, irrespective of the stage of pregnancy at which the child is born

Expectant mothers should therefore consider whether they travel under this policy, particularly if travelling beyond the 20th week of pregnancy.

    Things you should know

    1. Offer is for a limited time.

    2. An additional premium will apply and additional restrictions may apply to the policy.

    3. Limits, sub-limits, conditions and exclusions apply. NRMA Travel insurance is issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) (“ZAIL”). Cover-More Insurance Services Pty. Ltd. (ABN 95 003 114 145, AFSL 241713) acts under a binder authority from ZAIL. Cover-More will administer the policies and arrange for the issue of insurance on behalf of ZAIL. Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as NRMA Insurance will arrange for the issue of NRMA Travel Insurance. This is general advice only. To see if the product is right for you, always consider your own needs, financial situation and the Product Disclosure Statement.

    4. The product information on this page only applies to Travel Insurance issued to residents of NSW, QLD, ACT or TAS.