Pre-Existing Medical Cruise Insurance

What is a Pre-Existing Medical Condition?

A pre-existing medical condition is any illness, injury, disease, or medical condition for which you have received medical advice, consultation, or treatment; been prescribed medication or therapy; experienced symptoms (whether diagnosed or not); or undergone tests, investigations, or monitoring.

The critical timeframe varies by insurer but typically covers conditions you've had at any point in the past — not just recent conditions.

Common Pre-Existing Conditions We Cover

• Heart disease (previous heart attacks, stents, bypass surgery, atrial fibrillation)
• Diabetes (Type 1 and Type 2)
• Respiratory conditions (COPD, asthma, emphysema)
• Cancer (past and present diagnoses)
• Stroke or TIA
• Kidney disease or renal failure
• Arthritis and joint conditions
• Mental health conditions
• Neurological conditions

Why Full Disclosure Matters

Many travellers are tempted to not declare conditions to avoid higher premiums or exclusions. This is a critical mistake. If you have a condition-related medical emergency and it wasn't declared, your insurer may decline your claim — leaving you with bills of $50,000–$200,000 or more.

Our advisors help you declare correctly — ensuring you're properly covered from the moment you board.

What Pre-Existing Medical Cruise Insurance Covers

Condition-Related Medical Expenses

Medical treatment related to your declared pre-existing conditions — the most important cover.

Emergency Evacuation

Full evacuation costs — critical as pre-existing condition holders are statistically more likely to require evacuation.

Repatriation to NZ

Transport home for ongoing management of your condition following an emergency.

All Standard Cruise Cover

Full cruise insurance protection in addition to pre-existing condition cover.