Familiarizing Yourself With Travel Health Insurance
Travel health insurance has proven to be a big issue with you
, snowbirds. I have had a huge number of contacts from readers over the last two weeks with suggestions of alternate insurers, new issues to consider and a general concern with how difficult it is to sort through all the details on the insurance plans. I fully empathize. There is a lot of fine print in the policies, but you must read it. Many factors should be considered when you choose an insurer and you have to go through that process to obtain the one suited for you.
There are cases when some insurers omit some areas to cover like pre-existing conditions which means that for your illness you will not be covered. I propose that you make a chart that come up with a chart that will help you compare all the benefits an insurer can offer you keeping in mind factors like age, length of the trip, needs and the like. I hope the following tips and additional sources of information will be of benefit. This is all due to the many suggestions given to me by my readers regarding insurance companies and the information they have in their websites.
Focus on the process of coverage and restrictions on pre-existing conditions. Insurers have to observe conditions for 90 days usually and 365 days for heart ailments in order for them to give out a full insurance coverage. You should know how premiums are designed. Premiums are usually standardized for those who are in the same age group and they also exclude the same things. Other companies provide lower premiums for people in good health. These are the ones you want if you have had no health problems.
There are several companies that give out one year worth of insurance which also include days outside of the country. Upon anticipation for upcoming trips in the year, this is ideal. Policies may only encompass a particular time and a particular trip. Sometimes those 70 above are covered in the policy for only 30 days. This is not enough a lot of times.
A slight switch of medication is enough reason for you to contact your insurer. Showing that the changes made do not have a big effect then you may be able to keep your coverage. Information should be particular when you answer the application form. Even a minor slip-up can alter the coverage you will need.
Clear all question with the company so that you will not have a hard time answering the forms. The doctor will also be available to aid you in any other questions you may have. A reader tells that you should be equipped with details to an air ambulance in instances when you are in an area where they practice different standards.