Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Travel insurance for mental illness

Am I covered for mental health issues? Find out more about travel insurance for mental illness.

Mental illness is a broad category that encompasses a variety of conditions including depression, schizophrenia, bipolar disorder, anxiety and stress. It is something of a grey area in insurance, with many insurers choosing not to cover it, or offering cover only under certain conditions.

This guide takes a closer look at why it can be so hard to get insurance for pre-existing mental illness, and identifies which insurers may offer travel insurance for mental illness.

Compare travel insurance for mental illness

Name Product Medical Cover Cancellation Cover Luggage and Personal Effects Cover Default Excess
Cover-More Comprehensive
Includes unlimited cover for emergency medical, accommodation and transport expenses, $25,000 cover for luggage and travel documents, and $10,000 for legal expenses.
Holiday Rescue Comprehensive
Comprehensive travel cover that includes unlimited emergency medical with no excess, up to $5,000 for lost and stolen items, and 24/7 access to a registered nurse abroad.
Cover-More Annual Multi-Trip
Peace of mind as you travel the world with insurance that covers you over a 12 month period. An affordable option for those who take multiple trips over the year.
Holiday Rescue Essentials
Essentials travel insurance protects you abroad with up to $1,000,000 for personal liability, $500 for dental expenses, and more.
Cover-More Domestic
Travel around New Zealand with the security of $200,000 in personal liability cover, up to $4,000 for rental vehicle excess and $10,000 in cancellation cover.
Holiday Rescue Domestic
No cover
Cover as you travel around New Zealand with $5,000 for rental vehicle excess, up to $1,000,000 in personal liability protection, and $5,000 in alternative travel expenses.

Compare up to 4 providers

How much does it cost?

Those insurers who do cover mental illness will typically charge a higher premium, due to the higher perceived risk. But no two premiums are the same and how much you might pay can depend on the insurer, the type and severity of your mental illness and the usual factors that determine the cost of travel insurance which include:

  • The level of cover you choose (benefit amounts etc)
  • The options you select
  • The destination you are travelling to
  • Your age and general health

Difficulty in obtaining insurance

People who have or have had a mental illness can encounter difficulty in obtaining all kinds of insurance, not just travel insurance. Health insurers, for example, are reluctant to cover mental illness and provide negligible cover compared to what they would provide for other common health problems.

What is a pre-existing medical condition?

For the purposes of travel insurance policies, a pre-existing medical condition might typically be defined as any medical condition that you are aware of and are taking medication for or have had treatment for in the past, including surgery.

Many travel insurers have a list of pre-existing conditions they automatically cover. These conditions, such as asthma and diabetes, might generally be seen as “manageable” and perceived as a low risk to the insurer. Some forms of mental illness such as anxiety and depression may be listed in the product disclosure statement (PDS) as a condition that requires further assessment prior to the issue of a policy.

In these cases you may be able to obtain cover by undergoing assessment and paying an additional premium. Insurers might also have a list of pre-existing conditions not covered under any circumstances. Unfortunately, mental illnesses may commonly feature on this list or in the general exclusions.

If you’re looking for travel insurance for mental illness, one of the first places you might check is the PDS of different products or insurers, where the conditions relating to pre-existing medical conditions can often be found.

New Zealand support services for people suffering from mental illness

If you’d like some help or advice, whether insurance-related or otherwise, the Mental Health Foundation has a list of support groups for those dealing with mental illness.

More guides on Finder

  • Pet insurance for older dogs and cats

    Discover some funds that cover senior pets, what to look for in a policy and how you can help your furry friend feel comfortable in their twilight years.

  • Pet insurance with no waiting period

    Getting immediate pet insurance is a little difficult. This handy guide helps you discover how long you have to wait before your pet is covered.

  • Term life insurance

    Find out how term life insurance actually works.

  • Insurance cover for apartments

    If you’re looking for insurance cover for an apartment, here’s the ultimate guide to finding comprehensive and affordable contents cover.

  • Car insurance exclusions

    Your comprehensive guide to car insurance exclusions and the situations and events your policy won’t cover.

  • Cleaners Insurance

    If you run a cleaning business or offer cleaning services as a sole trader then you’ll need the right business insurance. Find out more.

  • Business insurance for importers

    What is importers insurance? Find out why it’s essential if your business imports products to New Zealand.

  • Chubb business insurance

    Need business insurance in a highly specialised field? Chubb business insurance has you covered no matter what industry you’re in.

  • Market Stall Insurance

    In order to find the right level of public liability cover assess the risks your business faces to determine just how much cover you need. Compare the benefits, limits and exclusions of a number of policies, while it’s also a good idea to obtain multiple quotes from competing insurers.

  • Travel insurance exclusions

    Knowing what you are covered for in a travel insurance policy is only half the story. Knowing when cover is not provided is equally important, and this guide shows why a thorough reading of your policy prior to purchase is highly recommended.

Go to site