Visiting New Zealand

Pre-existing medical conditions

Pre-existing medical conditions (PECs) are not covered under the Visiting New Zealand travel insurance policy.

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

You can still purchase a Visiting New Zealand travel insurance policy if you have PECs but you will not be covered for any claims that are related to or associated with your PECs.

However, this policy offers cover for unexpected events which are unrelated to your PECs that occur while you’re on your journey.

What is a pre-existing medical condition?

Different travel insurance companies may have different definitions for the term ‘pre-existing medical condition’. At Southern Cross Travel Insurance (SCTI), we define a PEC as any medical or physical condition that you’re aware of, or should be aware of, which has required medical care.

This is a simplified definition; you can find a more detailed explanation on page 14 of the Policy Document.

Examples of pre-existing medical conditions

Wondering what qualifies as a PEC? Below are some common illnesses and injuries that we consider to be a PEC:

  • Type 2 diabetes
  • Heart and vascular illnesses such as high blood pressure
  • Anxiety
  • Irritable bowel syndrome
  • Hernias
  • Lung illnesses such as asthma
  • Gallstones
  • Back pain
  • Allergies
  • Hay fever
  • Eczema
  • Sprain

It’s important to remember that if you develop any of these conditions during your trip and they do not meet our definition of a PEC, then these would be considered unexpected and we may be able to offer cover.

Common questions about pre-existing medical conditions

We know that PECs can be confusing, but it’s important you understand them, so you know what you are and are not covered for under the Visiting New Zealand travel insurance policy. Here are some common questions we get asked about PECs.

Question 1: If I’m taking medication for a condition but the condition is stable, is this still considered to be a PEC?

Yes, any condition which you are currently on medication for, or have taken medication for, is considered to be a PEC.

Question 2: My conditions are controlled, are they automatically covered?

No, your conditions are not automatically covered. The Visiting New Zealand travel insurance policy does not offer cover for any PECs.


Why choose Southern Cross Travel Insurance?

At SCTI we've been providing great quality cover for people visiting New Zealand since 2003. We’re proud to provide great benefits like 24/7 emergency assistance, medical repatriation, family cover and hospitalisation cover.

If you have any further questions about PECs and your Visiting New Zealand travel insurance, we’re here to help. You can reach us on:

New Zealand phone number: 0800 784 691
International phone number: +64 9 979 6597
Chinese language service: 0800 728 721
Email address:

Take the next step towards your journey in New Zealand and get an online travel insurance quote today.

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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