Mental Health Cover in Travel Insurance

If you have a diagnosed mental health condition, treat it as a pre-existing medical condition when you apply. Answer the insurer's medical questions fully and accurately, and keep a copy of what you told them and what they accepted. SafeTravel advises checking that your needs are covered by the policy you buy and that your insurer knows about them (SafeTravel (MFAT): Travel insurance).

An insurer may accept the condition (sometimes for an extra premium), accept it with limits, or exclude it. If it is excluded, claims connected with that condition are usually not covered — which can include cancellation and medical claims.

• The definition of 'pre-existing medical condition' and how far back it looks.
• Whether the general exclusions mention mental illness, anxiety, depression or stress, and whether there are exceptions (for example, for a condition first arising during the trip).
• Whether cancellation cover applies if you, a travelling companion or a relative in New Zealand becomes unwell.
• Any exclusions relating to alcohol or drug use and self-harm.
• Whether the emergency assistance service can help arrange care or an early return home.

ACC covers personal injuries caused by accidents, including mental injuries linked to those events, but not illness or emotional issues unless they are linked to an injury it already covers (ACC: Injuries we don't cover). ACC does not cover treatment costs overseas (ACC: If you're a New Zealander injured overseas).

• Talk to your doctor about your travel plans; SafeTravel recommends seeing your doctor before you travel, especially if you have a pre-existing condition.
• Pack enough medication in your hand luggage, and check whether you need a medical certificate to carry it.
• Check whether your medication is legal in each country you are visiting.
• Keep your insurer’s emergency number and your support contacts with you.

Source: SafeTravel (MFAT): Health advice. See also our pre-existing conditions guide.