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Home >> Travel Logistics >> Travel Insurance For People With Health ProblemsTravel Insurance For People With Health ProblemsTravel insurance for people with health problems can be a major obstacle; fortunately, with a little preparation and research, just about everyone can purchase travel insurance. In this article we will look at the different types of travel insurance, and the general exclusions that apply.
Firstly, you can buy travel insurance that covers your health, while there are other policies that cover your luggage, flight cancellations, etc. The latter can generally be obtained from your credit card provider (many of them offer these services for free if you use their card for purchases), and is a great option for anyone who is flying on a simple roundtrip. The health coverage includes all of this, as well several additional riders such as return of mortal remains, return of minors traveling with you in the event of injury, emergency dental work, cost of hospital stay and refunds for interruption of trip. Please be sure to read the fine print of each policy, as each differs in their coverage, as well as their deductibles. Travel insurance for people with health problems usually results in a higher premium if there is proof of a pre existing condition (past 36 months). However, if you are a US citizen and traveling internationally this period may be as short as 12 months, depending upon the provider. This is important to know, because many times insurance companies can cite an injury as a result of a pre existing condition. In conclusion, travel insurance for people with health problems should shop around and see what kink of coverage they can get. I recommend worldwidemedical.com as well as the US State Department (www.travel.state.gov). |
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