Do you think you have a condition that may affect your travel plans?  

Travel Insurance for Medical Emergencies

Travel insurance helps you prepare for accidents or medical emergencies.  However, unstable pre-existing conditions are a major reason travel insurance claims aren’t paid out.

Age, trip length and the stability of your condition before leaving on the trip, are all factors which impact coverage, so make sure you have the right coverage for your needs.

Here are a few reasons a condition would be considered unstable. (You’ll need to read your policy wording for a full definition.) If recently:

  • Your condition has worsened or you experienced new symptoms
  • You’ve received new medical treatment prescribed or recommended by a doctor
  • You’ve had an increase or decrease in medication dosage
  • You’ve had a change in medication type or treatment
  • You’ve received a new diagnosis

What You Should Know About Pre-Existing Conditions

The following example demonstrates why it’s so important to understand pre-existing conditions:

37-year-old Thom* travelled to Portland for two months on an extended trip. He had a history of Diabetes and while there, had severe nausea and dizziness. Thom was taken to the hospital, where tests determined his blood glucose levels were too low. He was stabilized and discharged the same day.

PRE-EXISTING CONDITION TRAVEL INSURANCE

However, Thom’s claim was ultimately denied for two reasons: (1) Thom had seen a doctor for his diabetes multiple times within the stability period, just prior to leaving.

(2) The doctor prescribed a new form of treatment for his diabetes; therefore his condition wasn’t stable before leaving for Portland. As a result, Thom had to pay $11,226.16 out of his own pocket to cover his US medical bills.

Don’t let something like this happen to you. If you think you may have an unstable pre-existing condition that could impact your travels, be sure to speak to your insurance broker. He/she can help you determine the right coverage for your specific needs.

* Changed to respect customer privacy

Safe and happy travels,

Melissa

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