1) Diagnostic tests or prescription changes – if you have a pre existing condition that you’re looking to cover, it needs to be stable for a period of time as specified in the policy, meaning no change in health or even a change of meds!
2) Travelling while pregnant – most travel health policies do not cover women more than 31 weeks pregnant. This means that ANY kind of health condition experienced after the specified period in the policy will not be covered.
3) Being intoxicated – an injury or illness that occurs with a high blood alcohol levels can lead to a claim being denied.
4) Business travel requires travel health insurance too, especially for entrepreneurs – employee benefit plans are subject to exclusions and limitations, be sure you know yours
5) Extreme sports – see what your policy covers – some consider hiking to be a form of mountaineering! A broken leg can cost up to $10,000/day!
6) Cuba – If you have a Canadian policy underwritten by an American company – you won’t be covered in Cuba and it’s mandatory to have health insurance when you travel here! So, make a quick call and find out who the underwriter is or be sure the policy includes travel to Cuba.
- Understand your policy – yes, it’s boring, but read your policy
- Ask questions
- Know your health
- Know your trip and the type of situations you could face
Yes, insurance is an added cost to a vacation BUT it’s a relief when you need it. So, as a gift to yourself this year, be sure that your travel policy fits your needs.