It is the season for travel. Whether you are depending on your group insurance emergency medical travel coverage or individual travel coverage that you will purchase, take the time well before you leave to check two clauses that are in every travel contract.
Stability clause – the stability clause will indicate the number of months before travel that a pre-existing health condition must be stable, in order for your coverage to be valid.
For example, if you have high blood pressure and have been on medication for a period of time and your dosage has changed, if that dosage change is within that stability period, your coverage may not be valid.
If you have had a trip to the emergency room within the stability period, your coverage may not be valid.
Pre-existing condition clause – if you have a pre-existing medical condition that will most likely require treatment while you are away, do not expect this to be covered.
Emergency medical travel coverage is for exactly that; an unforeseen medical emergency.
If you have any concerns about your coverage or need coverage, please contact us. We would be more than happy to review your policy and bring to your attention any areas of concern.