Pre-Existing conditions are not automatically covered under your policy. A pre-existing condition is any medical, dental, mental or physical condition or circumstance which you are aware of or ought to be aware of prior to the start date of your policy. Pre-existing conditions that you do not tell us about, or do not seek cover for, will be excluded under your policy.
The application must be completed within 7 days of purchasing your policy. After completing the purchase of your Uni-care Travel Insurance Policy you will recieve an email with a link to complete the Pre-Existing Condition application form. You only need to complete this form if you want cover for your Pre-existing condition. Please note that your application will be referred to our underwriting team for review and we may request further information from you regarding your pre-existing condition. If cover is offered for your pre-existing condition, an additional fee will be payable. You will not have cover for any claims related to your Pre-existing Condition(s) until they have been declared to us, the additional fee has been paid and we have agreed in writing to provide cover.
The policy limit for any one item, set or pair of items is $2,500 unless the item, set or pair of items is specified and additional premium is paid. Additional premium will be charged at a rate of 2% of the full value of the item. Lesser valued items of luggage are covered under the general luggage allowance.
A full description of the item(s) to be specified needs to be made in the Item Name field. This needs to include the make, model & serial number of laptops and other electronic equipment.
Please read the following Declaration carefully. You must accept this Declaration to complete the Uni-Care application.