Travel Insurance?

General
1

Hi All,

I will be spending 6 weeks in Europe at the end of the year and I've been looking around for travel insurance that would possible cover my UC & PSC. Just a precautionary measure as I've only recently been diagnosed with PSC and my UC has been under control for a long period.

Most travel insurance companies that I've come across wont cover my two disorders. Has anyone found any that does? I live in Australia by the way.

2

Hi we had a similar issue and when further questioned the Insurance company we were able to have travel insurance cover any hospitalisation or emergency treatment of Psc just not ordinary management of Psc eg routine blood tests etc but I had to escalate the query to a supervisor to get a clear answer.

I hope that helps

3

I would recommend you check the policies through Travel Guard. Here is the link to their platinum policy. http://www.travelguard.com/platinum/ I have also pasted in the statement about pre-existing conditions. Here's a link for the full policy details. This is a PDF type file so use Adobe Reader to open the file. https://webservices.travelguard.com/Product/FileRetrieval.aspx?CountryCode=US&StateCode=NW&ProductCode=NW6600&PlanCode=P1&FileType=PROD_PLAN_DOC

This is an excellent company I have used for many years now. Hope this helps.

  • Pre-Existing Medical Condition Exclusion Waiver (Limitations apply)
  • PRE-EXISTING MEDICAL
    CONDITION EXCLUSION WAIVER
    The Company will waive the pre-existing medical condition
    exclusion if the following conditions are met:
    (1) This plan is purchased within 15 days of Initial Trip
    Payment;
    (2) The amount of coverage purchased equals all prepaid
    nonrefundable payments or deposits applicable to the Trip at
    the time of purchase and the costs of any subsequent
    arrangements added to the same Trip are insured within 15
    days of the date of payment or deposit for any subsequent
    Trip arrangements;
    (3) All Insured’s are medically able to travel when this plan cost
    is paid;
    (4) The Trip Cost does not exceed $100,000 per person (only
    applicable to Trip Cancellation/Interruption).
    This coverage will be terminated and no benefits will be paid
    under this Pre-existing Medical Condition Exclusion Waiver
    coverage if the full costs of all prepaid, nonrefundable Trip
    arrangements are not insured.
  • Medical Coverage Upgrade
    Medical Expense limit will double and Emergency Evacuation hospital of choice included. (Limitations apply)

Mark

4

Great question, TD.

5

Read the policy very carefully. It may state that there can be no change in meds or dosages within 3 mths prior to the booking date. I had read through the policy, thought it was 3 mths prior to departure date - wrong!! - and my Imuran dose had been lowered. Cholangitis attack day before departure (never fails), had to cancel trip. Claim was denied. This was air miles but lost the taxes, surcharges etc and all the air miles.