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2016
19
July
Where can you find travel insurance for heart conditions and oxygen use?
19
July
Question:
Humans say...
Dayna
blue cross
Nicole
Try your bank
Charlene
Costco?
Caroline
Not sure any insurance would cover a pre-existing medical problem but I could be wrong.
Lindy
Sunlife
Cheryl
Travel Guardian they specialize as insurance brokers for travel.
Jenny
Travel Guardian is an insurance broker and the cost may be quite a bit more but they might be able to offer you an option that covers pre-existing conditions
Mary
Try CARP ( Canadian association of Retired Persons). They have a variety of travel insurance options and some do cover Pre-existing conditions
Patti
Go to a country with socialized medicine
Hailey
Will that help if you are a non-citizen?
Kathy
RBC travel insurance has been reasonable for people I know.
Susan
My dad tried when he was hoping to fly here for my sons wedding, could get coverage but cost more than the flights!!!! American Express boasts insurance coverage, I believe
Hailey
Multi-cultural travel has been amazing at finding me the best health care insurance
Sharon
Alberta Blue Cross sell travel medical insurance.
Vivian
Thank you everyone for your input. Have a lot to look into!
Sharon
There are companies out there that cover All risks and pre existing conditions, I bought some through Road to Italy last fall.
Jennifer
Try the Association of independent insurance brokers/agents. You will likely have to accept a (higher) rated policy but pre-existing illnesses are often a major barrier. Compare the cost of a one way ticket home or charitable charter companies.
June
American Express Credit Card $100.
Joey
Does AMEX cover pre-existing chronic conditions?
Hailey
American express does not to my knowledge cover pre-existing.
Sharon
manulife
For more information or to apply, give us a call toll-free at 1-855-583-7239. We're available from 8:30 am - 8 pm EST, Monday to Friday, and 9 am - 5 pm on Saturday."
A.I. says...
Getting Travel Insurance with Medical Conditions
If you have a pre-existing medical condition like a heart condition or require supplemental oxygen, finding the right travel insurance can be a bit more challenging. However, it's not impossible. Since the AMA (American Medical Association) no longer provides coverage for these conditions, you'll need to explore other options.
Specialized Travel Insurance Companies
Several travel insurance companies specialize in providing coverage for individuals with pre-existing medical conditions. These companies typically have underwriters who evaluate each case individually, taking into account your specific medical history and conditions. Some reputable companies to consider include:
- InsureMyTrip: This company offers a wide range of travel insurance plans, including coverage for pre-existing medical conditions.
- Tin Leg: Specializing in travel insurance for individuals with medical conditions, Tin Leg provides comprehensive coverage options.
- Seven Corners: With a variety of plans, Seven Corners offers coverage for many pre-existing conditions, including heart conditions and oxygen requirements.
Tips for Getting Coverage
When shopping for travel insurance with a pre-existing medical condition, keep the following tips in mind:
- Disclose all medical conditions: Be completely transparent about your medical history and current conditions. Failure to disclose information could result in a denied claim.
- Compare plans and coverage limits: Carefully review the coverage limits for medical expenses, emergency evacuation, and other relevant benefits based on your specific needs.
- Consider a higher deductible: Opting for a higher deductible can lower your premium costs, making the insurance more affordable.
- Purchase early: Many insurers require that you purchase the policy within a certain timeframe after booking your trip to cover pre-existing conditions.
Consult Your Doctor
Before purchasing travel insurance or planning a trip, it's crucial to consult with your doctor. They can advise you on the potential risks and provide guidance on whether it's safe for you to travel given your medical conditions. With their approval and the right travel insurance coverage, you can embark on your adventure with peace of mind.
Sites
Vivian
If you are on oxygen and have a heart condition (have Dr's ok to travel) where would you get travel insurance? AMA will no longer cover under these conditions.