Does World Nomads cover pre-existing conditions?

“Am I covered if I have a pre-existing medical condition?” is a tricky question. The answer is yes, but only if you meet specific requirements.

You will be covered by World Nomads for a pre-existing medical condition but only if the following are all true:

  1. Your pre-existing medical condition is one of the 23 automatically covered conditions below; and
  2. You have met the specific requirements noted for that particular pre-existing medical condition; and
  3. You haven’t been hospitalised for any condition (this even includes day surgery or a visit to an Emergency Department) within the last two years.

The 23 automatically covered pre-existing medical conditions include:

  1. Acne
  2. Allergies, limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hayfever
  3. Asthma, providing you:
    have no other lung disease; and
    are less than 60 years of age at the time of policy purchase
  4. Bell’s Palsy
  5. Coeliac Disease
  6. Congenital Blindness
  7. Congenital Deafness
  8. Diabetes Mellitus (Types I and II), providing you:
    were diagnosed over 12 months ago;
    have no eye, kidney, nerve or vascular complications;
    don’t also suffer from a known cardiovascular condition, Hypertension, Hyperlipidaemia or Hypercholesterolaemia; and
    are under 50 years of age at the date of policy purchase for Type I Diabetes
  9. Folate Deficiency
  10. Gastric Reflux
  11. Graves’ Disease
  12. Hypothyroidism, including Hashimoto’s Disease
  13. Impaired Glucose Tolerance
  14. Insulin Resistance
  15. Iron Deficiency Anaemia
  16. Migraine
  17. Osteopaenia
  18. Pernicious Anaemia
  19. Plantar Fasciitis
  20. Pregnancy: for a single, uncomplicated pregnancy which doesn’t arise from services or treatment associated with an assisted reproductive program, including but not limited to in vitro fertilisation, and where your trip finishes before the end of the 26th week of gestation.

Cover doesn’t apply to claims arising from or related to:

  • a pregnancy where you experienced any complication – for any pregnancy – prior to policy purchase;
  • a multiple pregnancy;
  • regular antenatal care;
  • childbirth at any time;
  • care of a newborn child

    21. Raynaud’s Disease
    22. Trigger Finger
    23. Vitamin B12 Deficiency

It would be best if you were sure to thoroughly read the terms, conditions, limits and exclusions of the policy and contact World Nomads direct if you still have questions.

Or check out these official articles on the World Nomads website.


18-35 Travel