Visiting New Zealand

Pre-existing medical conditions

Pre-existing medical conditions are not covered under your Visiting New Zealand policy. Any medical conditions that develop during your Visiting New Zealand policy will not automatically be covered under any further policies you purchase.

What is a pre-existing medical condition?

We consider a pre-existing medical condition to be any medical or physical condition (including congenital conditions, anomalies or defects but excluding congenital blindness and deafness), symptom or circumstance which that person is aware of, or a reasonable person in that person’s circumstances ought to have been aware of for which advice (including awaiting test results), care, treatment, medication or medical attention has been sought, given, or recommended prior to your start date of insurance and regardless of whether or not a medical diagnosis has been made.

If you have symptoms but not a diagnosed condition, these are still considered to be pre-existing medical conditions.

How does having a pre-existing medical condition affect my cover?

If you have a pre-existing medical condition you can still buy a policy with us, but you will not be covered for any claims, costs or losses under any section of the policy arising directly or indirectly from, related to or associated with any pre-existing medical conditions.

However, you will have cover under your policy for all other unexpected events that meet the terms and conditions of your policy.

For full terms and conditions, please refer to the Visiting New Zealand Policy document.


*Terms and conditions apply to the promotion and to the purchase of a TravelCare policy.

Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

We are a Registered Financial Service Provider and a member of the Insurance & Financial Services Ombudsman Scheme.  Southern Cross Benefits Limited has an A (Strong) financial strength rating given by Standard & Poor's (Australia) Pty Ltd. The rating scale is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default) R (Regulatory Supervision) NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.  Full details of the rating scale are available at Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

All our travel insurance policies (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

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