Most of the Travel medical Insurance policies do not cover pre-existing conditions. Middle-aged or older adults majorly experience these conditions; these include high blood pressure, diabetes, arthritis, tumor, dialysis, etc. In such circumstances, none of the insurance companies offering travel medical insurance takes into account such cases.
Common quested that are often asked are: Is it okay to opt for such services which are not considerate of our present conditions? Will they facilitate us further? To answer this question, we will discuss a general survey which mentions about the travel-based health issues faced by travelers; a significant part of these conditions are only a result of adverse weather conditions and negligence toward eating habits, and the other part of it being accidents. Rare cases of pre-existing conditions cause disturbance to the travelers. Thinking from a buyer’s perspective, we need security toward everything, whether it’s a minor accident or a medical emergency due to pre-existing conditions. Economically and practically, this approach is invalid for the insurance companies.
To control such scenarios, we advise our clients to take important precautions such as:
- Choose a right travel insurance agency, and your preference should be toward getting a plan catered toward PPO coverage with acute onset of pre-existing conditions.
- A couple of months before your planned trip, you should get a thorough medical examination/check-up to make sure you are in good health to travel and to find out about any hidden medical conditions. This not only gives you the medical clearance that you are healthy enough to travel, but this also gives you the peace of mind that you will are not at high risk of falling ill and suffering during your long-awaited trip.
- Many times, people complain about not getting proper medical help related to their conditions, so it is better to carry any prescribed medications from your home country with written prescriptions to avoid any hassles.
- Individuals with pre-existing medical conditions such as diabetes, high blood pressure, asthma, etc. are advised to keep their equipment with them at all times in case of emergencies. This will not only help during any small issues or flare-ups, but it can also be life-saving just in case you cannot receive medical attention right away.
- As monitoring of your sugar level and blood pressure is essential, so is exercising and avoiding any situations that will negatively affect your pre-existing medical condition. Whether you are abroad or in your home country, eating healthy and participating in at least thirty minutes of physical activity every day will help maintain your overall health and quality of life. Avoiding substances such as illegal drugs, alcohol, cigarettes, and dangerous activities will not only prolong your life but keep you in tip-top shape both physically and mentally avoiding further medical care.