Medical Travel Insurance
Senior Citizen Travel Insurance
If you have a medical condition and want to travel
A primary concern when purchasing travel insurance is the extent of the medical cover especially if you have a pre-existing condition or are at a high risk. However medical travel insurance is essential for any traveller, irrespective of your health status, as you may face unforeseen medical complications while on a trip.
Typically medical travel insurance covers all the necessary costs of your medical emergency to ensure that you can return to your country for further assistance. You can never be certain of the mishaps that may befall you on your trip and medical costs even in third world countries can be exorbitant. Most medical travel insurance should cover the following to a pre-defined limit.
- Doctors consultation fees
- Prescription drugs
- Investigative procedures including x-rays, blood tests and scans
- Hospitalisation
- Essential surgical procedures
- Ambulance fees and other medical emergency transport costs
Most medical travel insurance plans will provide an overall limit for medical expenses which is usually sufficient for most medical emergencies. Medical travel insurance is not intended to cover the expenses of cosmetic procedures or non-essential medical treatment that can be dealt with in your country of residence.
If you have any pre-existing condition it is important to divulge this information when buying your medical travel insurance. Undeclared pre-existing medical conditions may be excluded from the cover should any complications arise while you are on your trip unless you have clearly stipulated the chronic condition at the outset of the insurance policy. If you have any pre-existing medical condition, do not forget to provide the details of your medical doctor who is familiar with your case back in your home country.
Medical travel insurance may seem like an unnecessary expense especially if you are embarking on a short trip. But should your face a medical emergency, the cost of quality and convenient medical treatment can quickly dig a deep hole in your pocket.