For people with medical issues, the stakes are even higher. Most seasoned cruisers know they need travel insurance, but it gets complicated with "pre-existing" conditions. Not all providers define an existing medical condition in the same way, so it's best to consider your individual needs and contact your insurer. Some policies are more flexible than others. The nib Domestic and International Travel Insurance policies provide automatic cover for more than 40 common conditions, such as asthma, diabetes and common allergies. "Each of these conditions are automatically covered if you meet the criteria defined in the PDS [product disclosure statement]," says Dylan Wilkinson, head of APAC & nib Travel marketing.