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Tick Travel void if you fail to declare all medical advice

Brisbane, Australia
Level Contributor
1 post
20 reviews
Tick Travel void if you fail to declare all medical advice

Tick Travel will not cover claims if you or any insured person on your policy:

a) Has in the last 5 years suffered from or received medical advice, treatment or medication for:

- any heart related, blood circulatory or diabetic condition; or

- any neurological condition (including stroke, brain haemorrhage or epilepsy);

- any breathing condition;

- any psychiatric or psychological condition

(including anxiety or depression)

b) has had treatment for cancer in the last five years; or

c) has been referred to or seen by a hospital doctor, specialist or surgeon (other than an accident and emergency doctor), or needed inpatient treatment in hospital in the last 12 months.

This is unless you

a) select a Standard or Top cover, and;

b) have told Tick Travel Insurance about your condition and we have accepted it

22 replies to this topic
rural West Aussie
Destination Expert
for Perth
Level Contributor
25,494 posts
70 reviews
1. Re: Tick Travel void if you fail to declare all medical advice

I'm not sure what your point is (and perhaps there isn't one) but I think you'll find this or something similar is standard in pretty well all insurance policies.

It's the same for all insurance really, car insurance, house insurance, whatever; they require you to disclose certain information to assist them in deciding whether to accept the risk of insuring you, and if you don't tell them what they ask for the policy is void.

South Pacific
Destination Expert
for Hobart, Tasmania
Level Contributor
31,302 posts
77 reviews
2. Re: Tick Travel void if you fail to declare all medical advice

It's done to protect them from people who fail to declare pre-existing medical conditions.

Welcome to TripAdvisor forums, Voyager10_11

Melbourne, Australia
Level Contributor
340 posts
71 reviews
3. Re: Tick Travel void if you fail to declare all medical advice

Yes, as #1 and #2 have said, this looks normal. I've seen policies (also in Australia) that even bother with the sub-clauses beneath words like, "Has in the last 5 years suffered from or received medical advice, treatment or medication", i.e. they don't continue with "for condition_A, condition_B etc. Even with Travel Insurance Direct (which my family has now been using exclusively for almost a decade for both domestic and international travel), we tend to get a list of every visit to our doctors and email it to them. That way there are no surprises, and we've never had a problem (and we have claimed occasionally, including once with US medical expenses).

Melbourne, Australia
Destination Expert
for Perth, Antarctic Adventures
Level Contributor
17,191 posts
30 reviews
4. Re: Tick Travel void if you fail to declare all medical advice

Voyager10_11 this surely can't be the first time you have ever read insurance T&Cs ? But on the off chance it is - I would recommending reading those of pretty much every insurer in the country. Nothing that you have posted is rare or unusual.

Edinburgh
Level Contributor
12,333 posts
17 reviews
5. Re: Tick Travel void if you fail to declare all medical advice

Those are standard conditions over here in the U.K. too.

All of those things listed may mean you have a pre existing condition or are at higher risk of having a medical emergency when travelling. So they will ask you more details if you say yes to any of those questions and either exclude from cover or charge an additional premium to cover the additional risk

Newcastle, Australia
Level Contributor
5,308 posts
207 reviews
6. Re: Tick Travel void if you fail to declare all medical advice

Yes, so what. Perfectly normal and many won’t cover pre-existing at all. Should they cover your unlocked car at the airport as well.

All the best.

Sydney, Australia
Level Contributor
2,792 posts
145 reviews
7. Re: Tick Travel void if you fail to declare all medical advice

>>>>>This is unless you

a) select a Standard or Top cover<<<<<

Umm, you want something BELOW a standard cover to include all those pre-existing medical condition? Wow, where do I sign? :)

Sydney, Australia
Level Contributor
1,376 posts
96 reviews
8. Re: Tick Travel void if you fail to declare all medical advice

But, if you the insured, did not know of their condition, the Insurer cannot refuse the claim.

South Pacific
Destination Expert
for Hobart, Tasmania
Level Contributor
31,302 posts
77 reviews
9. Re: Tick Travel void if you fail to declare all medical advice

Not so sure about that.

And of course we always read the Ts&Cs before ticking the box to say we've read them.

Edinburgh
Level Contributor
12,333 posts
17 reviews
10. Re: Tick Travel void if you fail to declare all medical advice

Well if it is in their T&Cs and you tick to accept them when buying the policy, I doubt that would work Grahame. Not knowing because you didn’t read is not the same as not knowing because they did not stipulate it.

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