Travelling can be an exciting adventure, but it’s important to be prepared for any unforeseen circumstances, especially when it comes to your health. Deciding on the right travel insurance policy with cover for medical conditions is a crucial step in ensuring a worry-free journey. This guide will walk you through the essential factors to consider, helping you make an informed decision to protect yourself and your loved ones.
Why is Medical Travel Insurance Important?*
Traveling to unfamiliar destinations exposes you to different environments, cultures, and healthcare systems. While no one wants to anticipate medical emergencies during a trip, it’s better to be safe than sorry. Travel insurance with cover for medical conditions provides financial protection against unexpected medical expenses, including hospitalisation, emergency medical treatment, medical evacuation, and more. It offers peace of mind, allowing you to focus on enjoying your travel experience.
Factors to Consider when Choosing Medical Travel Insurance*
Coverage Limitations and Exclusions
Before purchasing any medical travel insurance policy, carefully review the coverage limitations and exclusions. Not all policies offer the same level of coverage, so it’s important to understand what is included and what is excluded. Look for policies like AllClear’s comprehensive coverage that cover emergency medical expenses, trip cancellation or interruption and loss of baggage and personal belongings.
Pre-Existing Medical Conditions*
If you have pre-existing medical conditions, it’s crucial to disclose them when purchasing travel insurance. Some policies may provide coverage for pre-existing conditions, while others may exclude them. Ensure you understand the policy’s definition of pre-existing conditions and its implications on your coverage. If your condition is excluded, you may need to consider specialised insurance options. We can cover multiple conditions. We do carry a premium cap and cannot cover terminal conditions with less than 6 months prognosis. We have a 23-year history in this field internationally and since 2015 in Australia.
Destination and Duration of Travel*
The choice of medical travel insurance may vary depending on your travel destination and the duration of your trip. Some countries have high healthcare costs, making it important to select a policy with sufficient coverage. Additionally, if you plan to engage in adventurous activities or sports during your trip, ensure that your insurance policy covers any potential injuries or accidents related to these activities.
Network of Medical Providers*
Consider whether the insurance company has a network of medical providers in your destination. Having access to a network of trusted healthcare providers can make a significant difference during an emergency. It ensures timely medical attention and may simplify the reimbursement process. Choosing a travel insurance company that is well known and established, means they can connect you with the nearest medical facility within their network, making the process more convenient and streamlined
Policy Excess and Deductibles*
When considering the purchase of a medical travel insurance policy, it is essential to conduct a thorough review of the coverage limitations and exclusions. It’s important to note that not all policies provide the same level of coverage, making it crucial to understand the specifics of what is included and what is excluded. Opt for policies, such as AllClear’s comprehensive coverage, that encompass emergency medical expenses, trip cancellation or interruption, as well as loss of baggage and personal belongings. This ensures that you can travel with confidence, knowing that you are adequately protected in various unforeseen circumstances.
Customer Reviews and Reputation*
Before making a decision, it is crucial to conduct thorough research by reviewing customer feedback and evaluating the reputation of insurance providers. Pay close attention to reviews regarding their claim settlement process, customer support, and overall customer satisfaction. Opting for a reputable insurance company with a proven track record guarantees that you will receive exceptional customer service and reliable coverage. This ensures that you will receive the necessary support and care during a medical emergency, giving you peace of mind throughout your travels.
AllClear international brands have helped cover over 3.5M+ people worldwide travelling to exciting destinations all over the globe, with over 490+ reviews from across the world.
Frequently Asked Questions
What is the best time to purchase medical travel insurance?
The best time to purchase medical travel insurance is as soon as you book your trip. By doing so, you ensure coverage in case of trip cancellation or interruption due to medical reasons before you even embark on your journey.
Can I purchase medical travel insurance for someone else?
Yes, you can purchase medical travel insurance for someone else. It is a thoughtful gesture to protect your loved ones who may be traveling without insurance coverage of their own. Make sure to provide accurate personal information when purchasing the policy.
Does medical travel insurance cover trip cancellation?
Yes, many medical travel insurance policies cover trip cancellation or interruption due to medical reasons. However, the specific terms and conditions may vary between policies, so it’s important to review the policy documents and understand the coverage details.
When it comes to traveling, it’s always better to be safe than sorry. Deciding on the best medical travel insurance is an essential part of your trip planning process. By considering factors such as coverage limitations, pre-existing conditions, destination, network of medical providers, policy excess, and customer reviews, you can make an informed decision that provides you with the necessary coverage and peace of mind. Remember, accidents and emergencies can happen anywhere, so protect yourself and your loved ones by choosing the right medical travel insurance.
AllClear offer travel insurance for medical conditions We do not have any condition exclusions. We do carry a premium cap and cannot cover terminal conditions with less than 6 months prognosis. We have a 23 year history in this field. We cover 1300+ medical conditions from epilepsy and heart conditions, to diabetes and cancer, there are no conditions or ages that we cannot consider. *
If you need quality travel insurance to plan your next cruise or international trip, contact our team at AllClear Travel Insurance to learn more about policies.
Important Notice
Any advice provided is general in nature and does not take into account of your particular needs and circumstances. Before purchasing the insurance, decide whether this product is right for you by reading the combined Product Disclosure Statement and Financial Services Guide available here. A Target Market Determination for this product is available here. We also recommend consulting with relevant governmental and local authorities, including checking the Smart Traveller website, before making any travel decisions – https://www.smartraveller.gov.au/disclaimer
This insurance is underwritten by the insurer Mitsui Sumitomo Insurance Company Limited (MSI), ABN 49 000 525 637, AFSL 240816. Europ Assistance Australia Pty Ltd (EAA) ABN 71140219594, AFSL 552106 holds a binding authority from the insurer, MSI to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent.
AllClear Insurance Services Pty Ltd, ACN 165 270 066, trading as AllClear Travel Insurance, is an Authorised Representative (AR number 1311154) appointed by EAA to distribute and administer this insurance product.