Epilepsy Travel Insurance

25 Oct

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Whether you live with effectively-managed epilepsy or suffer typical seizures, the really fact that you have been diagnosed will be of interest to your travel insurer. Declaring epilepsy does not necessarily mean you will be charged extra but failing to mention it could invalidate your policy.

There are hundreds of travel insurance providers and it would be incorrect to assume that all travel insurance policies are the same. When it comes to epilepsy travel insurance, the onus falls upon the consumer to make sure the policy purchased meets person requirements. To stay away from any shocks, the dreaded modest print is often worth a look.

Insurers healthcare declarations vary. Some will ask if you have suffered seizures requiring hospital remedy in the last 12 months, and if not, wave you by way of on a normal policy. Other people will want to know if you have ‘ever’ suffered seizures. Either way, if you fall outside of the medical declaration, you will be subject to a medical screening (risk assessment) and asked queries about your health status. When applying for epilepsy travel insurance, you will be asked queries like:

1. If awake do you normally drop consciousness for the duration of a match/ seizure?
2. How many fits/ seizures have you had in the final four/ six months?
3. How numerous unplanned hospital admissions you have had for epilepsy in the last 12 months?
4. How several distinct kinds of medication you are prescribed for epilepsy?
5. How long ago was your initial match/ seizure?
6. If an additional healthcare situation induced the epilepsy i.e. brain tumour?

The answers an applicant gives will have an influence on the premium outcome, for example, a particular person who has suffered a lot more than three seizures losing consciousness in the last four weeks will be charged a lot more. In this instance, the insurer may possibly take the view of unstable epilepsy and a greater threat of claiming and consequently, load the premium. If the insurer feels the risk is too excellent, they may even decline cover. The prices insurers charge can differ, so get a few epilepsy travel insurance quotes prior to you commit.

Although which includes cover for epilepsy is optional, it’s highly encouraged that full cover be taken out, no matter how confident you are that complications will not arise from epilepsy whilst on vacation. The purpose of travel insurance is to safeguard you ought to the unthinkable happen, so it does not make sense to spend for a policy that has exclusions. Policies often state, unless your healthcare situation is covered, anything relating straight or indirectly to the situation will not be insured.

For additional suggestions about travelling with epilepsy, make contact with one the numerous epilepsy charities such as the National Society for Epilepsy, who offer a helpline for epilepsy sufferers.

81 Responses to “Epilepsy Travel Insurance”

  1. Chelsie January 5, 2013 at 6:40 am #

    Hello there im likely to be traveling abroad from the very first time from United kingdom to A holiday in greece in June however i are afflicted by epilepsy and also got told i have to acquire some kind of insurance taken care of 🙁

    could anybody produce just a little guidence please?..

  2. Chester January 5, 2013 at 6:40 am #

    Ok i’ll hav to request again ,

    K Im going abroad in my very first time ever but i’m not sure how to handle medical health insurance? i want some kinda a unique 1 for that epilepsy ?

    http://insurance.essentialtravel.co.united kingdom/epilepsy-travel-insurance.asp is that this page ok? or can some-1 help 🙁

  3. Gregg February 18, 2013 at 6:58 am #

    Hello- this will be my first real trip out of the country. I have to take 20 pills a day thanks to epilepsy. What’s the best way to pack them all with out bringing every bottle?
    note: i refill an organizer by the week, buthave never been gone this long… especially to new zealand. I’m excited, but don’t want to run out. my bottles are the size of milk jugs since I order through a 3 month service… any ideas will be appreciated!

  4. Filiberto March 11, 2013 at 2:03 am #

    I have epilepsy, and usually have at least 2 grand mals a week, many absences and a few complex partials a month….I live in Northern Ireland and was wondering how much health insurance would be to travel to Spain etc…roughly. Thanks!

  5. Vernia May 2, 2013 at 9:08 pm #

    Ok so I am 18 years old and I get disability living allowance for epilepsy. At the minute the money is going to my mum, I think it goes straight into her bank account.

    I need the money for transport and stuff like that, but at the minute my issue is transport. I need to get somewhere right now which has brought this question up for me. Since I cant learn to drive because of my seizures I just asked my mum to take me somewhere and she wont, she is just being lazy. By now if I never had epilepsy I would have a car, and be able to go where ever I want. So my question basically is should she be getting the money that I need and not even giving me any, right now I would use it for a taxi to get where I’m looking to go and back but now I can’t because I don’t get the money? I am so frustrated! Please help…

  6. Sherlyn May 8, 2013 at 12:24 am #

    Im 18 and going to turkey in october and i have got normal insurance, i thought medial was included in that but its not. How much will medical insurance be? As i have epilepsy and have had a leg operation 2 weeks ago to have my cartalidge replaced and have metal screws in my leg, after an acident.. How much roughly will that be?

  7. Ernesto June 7, 2013 at 7:34 pm #

    Ok, so this Health Insurance option thing…i’ve read articles about it, and I just don’t understand it. I’ve been working a lot lately, so would someone please explain to me exactly what it is?

    One thing I’ve come across that concerns me is that we would be fined 5000 a year to NOT have insurance. Does this apply to everyone in the country without some form of insurance or medicare already?

    What about the homeless? Will they be fined? What about independent contractors? The Gypsies? College Students? I’ve spent years as a college student, with little to no work, traveling on my breaks from city to city, camping, selling jewelry for gas money. Thousands live this lifestyle all the time and never get an actual job. Will these people be fined 5000 dollars a year? Will the bum on the corner begging for change be expected to pay for health insurance that could cost thousands of dollars or a hefty fine when he’s struggling just to keep warm?

    When I heard the idea that people with preexisting health conditions could get insurance, I thought it sounded like a great idea. But I didn’t think about the problem…someone never pays for the insurance, gets in a car accident and calls up saying “oh yeah i want insurance now”, Insurance, the very word, means to be insured that if you pay a company to remain a business, they will always be there when you do fall ill. What is stopping people from getting insurance for 2 days, get insurance rates, and then cancel the next week? This means those who actually abide by the policies will inadvertently pay for the people who will screw the system over. Pre-existing conditions….it does really suck to be born with a terrible illness like epilepsy for instance…but to allow just anyone with preexisting conditions?

    I have been against the “Free Health Care” idea for a while. Though it sounds nice, it’s just one of those ideas that won’t work, will put us in debt , won’t be fair to anyone, ruin the health care system in general, and the government will likely destroy everything about it. However, as irresponsible as it is, I would rather pay extra taxes and have the public option. I’d rather pay extra for others to be covered, rather than getting fined 5000 dollars because I refused to live the way the government expects me to. I’d rather pay more taxes than see the government pass an unconstitutional bill and MONOPOLIZE millions of business.(and this is coming from a Tea Party Patriot…)

    So could someone explain this to me?
    Homeless people go to free clinics or have medicaid? Not all of them, but even if that was the case, they’d still be forced to pay?
    Yes you get fined if you don’t have an address! Not to mention, if you don’t pay this fine you could go to jail.

    Links:

    http://www.factcheck.org/2009/11/imprisoned-for-not-having-health-care/

    This one DOES answer my first and initial question, but what in the hell is the POINT of making the rich pay for insurance, when the POOR are the ones that really need it? So I can’t be sure if this is actually accurate. I simply don’t have time to read the 1000 page billl.

    http://www.rushlimbaugh.com/home/daily/site_030810/content/01125111.guest.html

    What they are doing is making insurance NOT insurance, forcing people who are more likely to pay for healthcare in the first place to get insurance, even if they don’t like it, and leaving the poor out anyway. Some bleeding hearts. Sounds like a load of crap to me
    Wait, did you seriously just ask me why would anyone buy health insurance and cancel it? LOL

    Tell me your joking.

    Well let’s see. I get sick, but never bought insurance. I want to go to the doctor, but SHIT, I don’t have insurance? I make a phone call, have them deduct so much out of my bank account to go to the doctor, pay the deductible, save hundreds, maybe thousands of dollars. I go home cancel my plan, and don’t get billed every month for the rest of the year. I just got a discount because the government forced the insurance companies to let me get away with it! What a bunch of morons! Now, all those poor suckers who decided they needed health insurance all the time, pay larger amounts to cover what they might need for health care in the future, and took care of mine!
    Requiem, I had already acknowledged that since it was in “Add Details” long after I posted the question. Now my questions are HOW does this help poor people? How does this entire situation NOT increase insurance premiums? How can you call it insurance at all anymore?

  8. Mee July 2, 2013 at 2:02 am #

    so me and a group of mates booked a holiday to Greece, we’ve been so excited and talking about it all the time, the travel agent suggested we get a group insurance but we would have to go back in a few days to speak to somebody els about it. so the holiday is all paid for all we needed to do was get insurance cover. now i’ve just found out that no one will insure me due to my epilepsy, i have had it for most of my life and i have two of three fits a week, its the most controlled it has ever been and i’m just so upset that it is still stopping me from doing things. i’ve tried all kinds of places including travel insurance for disabled people. any idea’s would be really helpful
    thanks in advance, Jess xXx

  9. Dick July 2, 2013 at 6:21 am #

    Im 18 and going to turkey in october and i have got normal insurance, i thought medial was included in that but its not. How much will medical insurance be? As i have epilepsy and have had a leg operation 2 weeks ago to have my cartalidge replaced and have metal screws in my leg, after an acident.. How much roughly will that be?

    I recently asked this and researched it and it says on a compare website that the cheapest one is pound but that cant be right as my normal insurance was 30 pound and next to it is says excess of 150 pound.. but then a few others the insurance for 10 pound and the excess was like 75 pound? Im really confused please can someone help me?

  10. Tai July 2, 2013 at 2:42 pm #

    My 3 year old Grandson suffers from T.S. and suffers severe epilepsy.He’s on constant medication, but they just cannot seem to control the fits. I would love to take him away with us on holiday, but I don’t know if I could cope with the constant medication, and the dreadful fits. Also, I don’t know if we would need to get extra holiday insurance, in case he needs hospitalisation.
    I feel so sorry for the little chap, and would love to see him having a good time at Euro Disney, but would I cope? any suggestions??/

  11. Loise July 2, 2013 at 7:00 pm #

    I have aspergers syndrome. I have not technically been diagnosed but I will. I was told I had it by my mom who heard it from a friend that I have some of the signs of it. She looked online and said I had all the symptoms of Aspergers. I was at first in denile. But then after working for Sam’s Club for a month and being fired. I began thinking. I was fired for as they put it. Not enough enthusiasm. And wasnt working hard enough. But anyone who worked with me said I was working harder then most ppl. It was because I have a tendency to appear that I am not working hard and moving very sluggishly. But that is mainly cause I put forth way more effort when I do things. That after I am exhausted.

    Anyways When I was fired I thought that a huge part of it may have been due to my aspergers. So I began looking more into it. Then I met a friend of my uncles who gets a check for aspergers every month. But I think he gets it from off of his moms insurance. He gets a check for $1,200 a month. I have for my entire life been living with my disabled mother. I take care of her and my little brother. But I have no job. We lived off of my mom and grandma but recently just my moms $710. She gets SSI.

    After hearing about him. I thought that I should do the same. But When I applied for disability. They said that I only qualify for SSI. And since I have not had a job cept for sams. I only can get a flat rate of $710. My mom said that its not right that because I had this since birth. That I should be able to qualify for more. I dont understand. If I cant get a job or keep a job because of the complications from aspergers. Then how do I work enough to get more? and I cant work if I have SSI. How the heck am I suppose to live off of $710? My mom was able because of family support and the $185 she gets for my little brother. Plus $350 from my older brother everymonth. I dont get that. How they expect me to liffe off of that?

    There has to be a way for my to get more or something. I have Asperger’s Syndrome. Please can someone help?
    Thank you Jay Jay. It made me happy that you defended me. If you didnt mean to defend me. its okay. Thanks ^-^
    The raven? You dont know me. you read my little statments thats it. You think you know me? please. Just beacause you can do all that stuff doesnt mean everyone can. I didnt even believe my mom when she said I might have it. And I never said schools never picked up on it. Whats to say that they even can? most of the ppl I delt with were dumb fuks who never understood me and always treated me like a criminal. But then again you wouldnt know that cause you dont know me. Good for you. I dont give a fuck really. I can argue with a idiot like u for hours but in the end. You are just like all those dum fuks who think i dont work hard or that im rude and disrespectful or that I have no enthusiasm. I work harder then most ppl. I have had jobs but they were not offical. More like hey work with me on this house or help me clean up a job site. did that lots of times. I am sure that I can work harder then you a million times over. Then again. Im going off of what you typed. Just like u? meh. Dont k

  12. Virgil July 2, 2013 at 9:13 pm #

    I have been looking around for some good cheap travel insurance for Pre-Existing medical conditions. I seem to be able to find an abundance of places in the UK that provide this (most notably, ‘Free Spirit’, which gives prices for about 140 pounds), but I am living in Canada. Does anyone know where I can get this? The condition is Epilepsy, it has been under control for around 2 months, since meds were switched. Many companies I am looking at exclude that from their policy. (Again, Free Spirit doesnt have a problem with that…why oh why can’t they be in Canada?!)

    Again, this has to be an insurance company in Canada, for a Canadian Citizen.

    Thanks for the help

  13. Su July 3, 2013 at 3:24 am #

    I was on welfare while applying for disability for brain lesions, diabetes, heart valve problems and epilepsy.

    The office denied my claim and I am fighting it with a lawyer but in the meantime welfare has canceled my health insurance. So, SSI wants to know when all my next appointments are and I have to cancel them all. Will this affect my chances at getting SSI&SSA? Thanks!

    http:// kamisiapmembantu .com /health-insurance.html

  14. Rafael July 3, 2013 at 3:57 am #

    Long story short, I recently moved out of state and had to find a new doctor. I’m going overseas in January to a country which requires either a medically-based vaccination waiver or a international inoculation certificate against Yellow Fever.

    I haven’t had shots since I was 2 months old. When I was 2 months old, I had brain cancer and went status elepticus as a result. I almost died.

    When I was 5, I was kidnapped, and while kidnapped I got a huge cut in my foot. I was taken to the ER and they gave me a tetanus shot, and I AGAIN went status elepticus.

    From when I was 2 months old, my childhood pediatrician has, without any qualms, filled out waiver after waiver–for school, for trips, etc. And it has been stated on these waivers (I had photocopies of two of them that I brought with me to the doctors) that I was to be exempt from ALL vaccines PERMANENTLY. No ifs, ands, or buts about it.

    Sooooo…..like I said, I’m going overseas, and I have to get a waiver before I can go so that I can apply for my visa at the airport. I go to my doctor today and he was an absolute prick to me. Here are a few of the things he said:

    ~travel vaccines are “different”
    ~I was allergic to the tetanus shot and therefore, I can get any shot now without a problem. Hepatitis, Yellow Fever, whatever. This prick has no FUCKING IDEA what my medical history was.
    ~I MUST get the vaccines. Why? Because, if he filled out the waiver, he said, he would be held responsible if I got sick. Yeah, he seriously said this to me…
    ~”you could die from Yellow Fever. You should not even go.” No shit, asshole. And I could have died from brain cancer, too, along with the chemo treatments…

    So, all of that said, I obviously told the guy to get fucked and he will not see another dollar from my insurance. Lets say I get the vaccine (which I won’t, but hypothetically, because I’m absolutely pissed right now)–and I go status elepticus, AGAIN, and lets say the third time is the charm–I finally die from these prolonged seizures this time.

    Could my family then potentially hold this prick responsible for telling me to get the vaccine and refusing to sign the waiver?

    Thoughts?
    Edit: Mike: they thought I was epileptic when I was a kid, as well as autistic and pretty much everything else you can think of. I’ve been to doctor, neurologist, psychiatrist, and so forth in state after state after state.

    I don’t have epilepsy. It has been documented that I went status elepticus.

    and I did bring all of the waivers my doctors have signed in the past as well as documentation of the cancer I had, the fact that my right temporal lobe was removed, and so forth.

    But….he made up his own mind and decided I was simply allergic to the tetanus shot, nothing more, nothing less, and wrote this down on my chart.

  15. Khadijah July 3, 2013 at 6:27 am #

    He passed his test (unbelievable) in November last year. His driving is absolutely awful and I am a learner myself and have not had any mishaps at all or serious driving errors. He is a total hazard and in my opinion should not be on the road. He has had 4 accidents with other cars and I refuse to travel with him at all now after he hit a car by not stopping at an island. I do not know what is wrong with him. He has epilepsy that is now well controlled and has promised me he is not having any absences. If it was that I would be very supportive but he really shouldn’t be driving as it’s not fair on other drivers. There have been countless near misses or mistakes that should be either common sense or basic road sense. I don’t know how to deal with this as I am worried for him and other people. I have always been a tolerant person but this is beyond ridiculous. Anyone any suggestions?

  16. Norine July 3, 2013 at 11:04 am #

    My friends and I are going to Australia in August. We are from the US so hospitals work differently here than over in AU. I have epilepsy, and like hypothetically if I had a seizure there how would going to the emergency department work? We have to pay to go to the hospital, and going to AU I dont really have the money to pay for a hospital visit. I have no idea if this is the right category, but if someone has any insight on this it would be greatly appreciated. Thanks in advance.
    mind you, my seizures can be fairly long which is why my friends call emergency services.
    I have insurance.
    Question mainly is would they take my US insurance?

  17. Abe July 3, 2013 at 11:23 am #

    Can anyone help my partner suffers with Epilepsy but its well controlled we have had a quote of £90 for 10day holiday i think this is steep this was from insure & go does anyone know of a better insurance company.Thanks
    went to insure to go and got in for £67 pays to look round.

  18. Sandy July 4, 2013 at 9:52 am #

    PLEASE LET ME KNOW ANY COMMENT OF YOUR PERSONAL EXPERIENCE USING THIS PRODUCT..LIKE: HOW MUCH WEIGHT LOSS IN HOW MANY DAYS ?..ETC THANKS A LOT!

  19. Darrick July 4, 2013 at 9:13 pm #

    I am an Indian citizen who will soon be travelling to the UAE on my husband’s sponsored visa. I am looking for an insurance policy to be taken in India. It has to cover pregnancy and epilepsy costs in hospitals in UAE, more specifically in Dubai and Sharjah. I prefer to pay the premium in Rupees. Any suggestions?

  20. Martin July 4, 2013 at 11:00 pm #

    My sister is hoping to go to America and needs travel insurance however she doesn’t know how old you have to be to get travel insurance under her own name as she is travelling alone, does anybody know how old you have to be? Thanks.

  21. Arturo July 5, 2013 at 3:25 am #

    Hi guys. I’m planning a trip to los angeles in June 2010 for 3 months and im trying to calculate the amount of money i’ll need.

    The problem is, i have no idea how this travel insurance stuff works,so how much would travel insurance cost me for this period?

    Any help appreciated, thanks.

  22. Alfredia July 5, 2013 at 7:54 am #

    My dad lives in New Zealand and is traveling to the USA and does not seem to be able to fined travel insurance. He has a internal defibulator and has been told by several travel insurance company’s that they won’t give him travel insurance. Does anyone know who may give it to him?

  23. Kevin July 5, 2013 at 2:57 pm #

    I am in UK on a work permit and planning to apply for schengen visa. The initial trip will be to Paris for 3 days… But I am hoping to get a multiple entry visa maybe 3 or 6 month validity… Will it work if I just take a 3-5 day travel insurance, or do I have to take a long term travel insurance to get a multiple entry visa?

  24. Voncile July 5, 2013 at 10:46 pm #

    I’m going on holiday this summer and i’m shopping around for travel insurance. A lot of them seem to be less than £30 and claim they will pay large amounts such as £10,000 for a personal incident etc. Also if i miss my flight they claim they will also cover the expense of a new flight too.

    It all sounds too good to be true because if i’m paying £30 for insurance they are spending more than i paid even if i pay the agreed excess amount? Is there a small print that i should be aware of?

  25. Isidro July 6, 2013 at 2:33 am #

    We’re traveling to England in May – I’ve never bought travel insurance and want to know how we find good/reliable insurance? Thanks.

  26. Jenell July 6, 2013 at 4:45 am #

    I am leaving for a three week trip to England on Monday and I have travel insurance set up by my family but I have no idea what it covers me for? Is it if I can’t go on the trip or if I get sick on the trip, or if I lose my stuff or something?

  27. Shena July 6, 2013 at 1:17 pm #

    I looking to get as cheap as possible travel insurance to visit my entire family in Australia, can anyone help?

  28. Thomasena July 6, 2013 at 1:18 pm #

    We are choosing annual travel insurance because of frequent short trips over the weekends or a 1 week trip. Having many options out there has overwhelmed us with a lot of information. Therefore, we would want to find out what are the “No” that we should consider filtering the options?

  29. Temple July 6, 2013 at 7:16 pm #

    We just bought a cruise for our 30th wedding anniversary. We need travel insurance and would prefer to buy it at the best price, but I want to make sure we get good coverage. Need some suggestions, and when should I buy it.

  30. Huey July 7, 2013 at 12:12 am #

    I am going on a 7 day cruise and the Liberty Travel agent wants to charge $99 per person for the Royal Caribbean cruise, and it may cover airfare if we arrange airfare through them. Is that rate worth it?
    Is it possible to get travel insurance elsewhere, even though I still booked the cruise through liberty travel? Thanks

  31. Andrew July 7, 2013 at 8:05 am #

    Going to drive to Germany soon. Portsmouth-Dover-Dunkirk-Frankfurt. Through France and Belgium. Is buying a single trip travel insurance for Germany enough? I would like to be covered when driving through France and Belgium as well. All the travel policies I read are clear as mud.

  32. Omer July 7, 2013 at 1:26 pm #

    I am about to book flight & car rental through priceline. I have never purchased travel insurance so I have questions.

    What illnesses qualify for cancellation insurance? I am concerned with the flues that are going around since I am going to visit my grandmother.

    If you do get sick, how do you prove you are sick?

    If you meet the above requirements, how hard is it to get the actual refund?

    Please answer as much or as little as you can. Thank you for your help.

  33. Claire July 7, 2013 at 5:39 pm #

    I know it changes depending on age, medical conditions, length of trip, etc. However, I was wondering how much travel insurance typically is for students heading to Europe for five months. I’m 22 and heading to Spain. I got a quote and it was about $4,000 and I have no pre-existing medical conditions. Could anyone recommend any cheaper plans or other websites? Or does this sound about right?

  34. Louie July 8, 2013 at 12:43 am #

    I recently went on holiday and was admitted to a medical centre for severe food poisoning. They took my travel insurance details and I also contacted Virgin myself because the medical centre needed a reference number from them so they know I had the treatment.

    Virgin haven’t been in contact and I got home from holiday a week ago, with the incident happening over 2 weeks ago. How long do these things usually take to process?

  35. Bryce July 8, 2013 at 6:13 am #

    I will be making many trips to France this next year, and often be in France for 2-4 months at a time. Do I need travel insurance? And what type of insurance will cover me for that period of time spent in France?

    thank you so much
    I have an E111 card, i’m more worried about insuring my flights and baggage etc?

  36. Malcolm July 8, 2013 at 10:33 am #

    My boyfriend is a UK citizen and he would like to travel to the United States next year for 5 months. He is disabled and his condition is controlled with regular prescriptions. We know that he will need to look into purchasing travel insurance for this trip, but it is all really confusing as to what they cover specifically.

    Have any of you used travel insurance, and could you tell me your experience with what it covered–prescriptions, doctor visits, or simply just ’emergency care’? Could you recommend any companies to work with? Thank you in advance!

  37. Perry July 8, 2013 at 11:44 am #

    Every travel insurance policy I read says something along these lines:

    “Exclusions.
    The policy does not
    cover any loss caused by:
    pregnancy or childbirth, or elective abortion, other than
    the Complications of Pregnancy;”

    What do they mean by “other than complications of pregnancy”?
    Does that mean that if i purchased their insurance they would not pay for doctor check-ups, but they would pay for a pregnancy emergency?

    I know they generally don’t cover pregnancy, but what if something goes wrong and the child comes three months early, or gets sick, or such?

    I would be really grateful for any answers. Thanks.

  38. Lucas July 8, 2013 at 12:43 pm #

    what’s the best thing to do or a very good reason to the travel insurance to avail of a refund? i’m travelling on august yet but already have bought the eticket & travel insurance.

  39. Hollis July 8, 2013 at 1:08 pm #

    I have been comparing travel insurance for two people under 60 for four days in europe. I have checked the excess details and there is no considerable difference between the different insurers. The policies I viewed are almost identicle and where I have seen differences, they are negligible.

    So why have I seen policies with premiums as high as £30 and some low as £6-£7 (and the insurance is covered by big insurers for the low ones I found too). I looked at the small print and again from what I could make of it, there was no considerable difference.

    What’s the difference then? What am I missing? and if it is as black and white as I can see, then is it worth me just buying the insurance at the cost of £7?

  40. Libbie July 8, 2013 at 4:28 pm #

    I bought a British Airways return airline ticket from London to Chicago (USA) and travelled this month – december 2007. Unfortunately I lost my wallet in a taxi. Am I covered by travel insurance just by purchasing the ticket with my MasterCard?

  41. Cyndi July 9, 2013 at 12:02 am #

    My son is off on a ‘working’ holiday for 2 months or so, he is bound to have a certain amount of alcohol in his system and I am considering not taking out travel insurance as, if the worst happens, the cover will be declined if alcohol is present in his system.

  42. Garth July 9, 2013 at 2:16 am #

    I am going for a trip in South Korea for about 4 months. My travel agency is selling travel insurance for about 400$ for the whole time but the school im gonna be studying at also sells Korean health insurance for about 150$. Both seem to cover medical costs and accidental death. What is the difference between the two?

  43. Mathew July 9, 2013 at 5:24 am #

    Should I pay $108 for the travel insurance coverage so that I can cancel my flight for any reason just in case something happens and I could get a refund? Would it be a bad idea not to purchase something like this? My plane ticket is $1000. Any tips or suggestions would be appreciated, thank you.

  44. Isidro July 9, 2013 at 12:15 pm #

    I have a health insurance plan that covers me overseas in ANY country at ANY hotel. What would be the benefit of adding medical travel insurance, if any? I only found one link pertaining to this and it said travel insurance covers personal items and what not, but not any that I could afford.

    Does anyone have any experience with this?

  45. Elden July 9, 2013 at 12:22 pm #

    I’m planning to go to Paris and several provinces of Spain. Should I get travel insurance? Any good suggestions on companies?

  46. Abraham July 9, 2013 at 3:13 pm #

    I bought 4 plane tickets several weeks ago and am now having serious anxiety that I didn’t purchase the travel insurance at the time. Is it possible to get it now and protect those purchases if I have to change them? (right now they are basically non refundable)

    the flights are for August.

    thanks!

  47. Billie July 9, 2013 at 5:59 pm #

    I will be working in China and need to acquire good, reliable but reasonably priced travel insurance.

  48. Arlyne July 9, 2013 at 9:31 pm #

    I am moving to Australia for a year next month. I keep finding long term travel insurance sites but they are mostly from the UK. They have really fair prices and it’s quite discouraging seeing the difference compared to American prices. Any suggestions?

  49. Glenn July 10, 2013 at 2:32 am #

    I have a credit card issued by a bank with complimentary travel insurance issued by a well-established insurance company.

    I have heard vague anecdotes that you cannot rely on this insurance when travelling overseas, and should purchase a ‘proper’ travel insurance policy. Can anyone offer their feedback on this claim, especially if you tried to make a claim on complimentary travel insurance policy in the past?

  50. Jeremiah July 10, 2013 at 11:02 am #

    I will be travelling and WWOOFing in Europe and doing some sightseeing. I can not find travel insurance that covers volunteering and baggage cover. It looks like my best option is to have travel insurance that covers me whilst I volunteer on farms and another insurance policy for the time in between farms for baggage etc. My Question- if I buy from two different insurance companies, will that invalidate the other one?

  51. Harley July 10, 2013 at 3:30 pm #

    I am interested in worldwide travel insurance to cover multi activity, baby and US travel. But I want to get the most for my money, not just the cheapest

  52. Lloyd July 11, 2013 at 8:40 am #

    Is it a common condition? Is it likely to increase the cost of travel insurance? I already have Hypertension which is controlled by medication and has been stable for years. I have just started taking Warfarin for the AF (Atrial Fibrillation) and I believe my dosage is now stable.

  53. Mitsue July 11, 2013 at 1:33 pm #

    I’ve organised a trip to turkey for 15 people, all of which have travel insurance.

    I was wondering if i need to have a paper copy of everyone’s insurance documents, or if i can just carry the bare minimum (insurer, policy number etc) and collate it onto a excel document

  54. Azalee July 11, 2013 at 2:53 pm #

    I am looking for an Annual Multi-Trip travel insurance, which is reasonably priced. It must allow me to travel for 60+ days at any one time. Cover me for my medical conditions. Whilst travelling in Europe. It must also offer repatriation by air ambulance of me, dead or alive, and my possessions, including my bicycle. Is there anyone out there, who can point me in the right direction?

  55. Jerri July 11, 2013 at 3:18 pm #

    I am a 25 year old female that will be backpacking around South America for 6 months. I am a Canadian however I am currently in China and will go to South America directly from here. I want to find the best travel insurance that offers what i need for a reasonable cost. What should I be looking for in an insurance? What’s the difference between a backpacker’s insurance and a normal travel insurance?

    Thanks in advance.

  56. Jalisa July 11, 2013 at 3:29 pm #

    We are planning an international trip and already have medical coverage through our HMO. We are most concerned about flights being cancelled due to strikes or the Icelandic volcano. Are there any travel insurance policies that cover flights but not medical? (translating into a $saving).

  57. Austin July 12, 2013 at 3:03 am #

    i was wondering whats the best site for travel insurance, im going to be down under in australia for atleast 6 months minimum, ive heard ambulance cover can be expensive? is there any policies that include this as standard and how much am i looking to pay for a policy? is there anything else i need t consider including? will backpackers policies be good for me?
    thank you all in advance 🙂

  58. Arnulfo July 12, 2013 at 4:06 am #

    I am looking into traveling to Australia this fall, and want to apply for my visa as soon as possible. When I was looking over the forms online, it asks if I currently have my return flight purchased and if I have travel insurance. It is still very early, so I was hoping on getting these afterward. I am just wondering if not having these are going to affect if my visa application is approved or not?

  59. Garland July 12, 2013 at 8:21 am #

    I am planning to go to the UK for 6 months and just wondering how much travel insurance will cost me? And what’s the best deals? Thanks

  60. Michel July 12, 2013 at 1:52 pm #

    I want to go ahead and book a ticket for a flight that’s several weeks off. The problem is I might need to change the date or even cancel it all together. How good is the Travel Insurance Plan offered by Orbitz? Will I be able to get the majority of my money back if I decide to change my flight or cancel it? Any small print to watch out for?

  61. Cyril July 12, 2013 at 3:22 pm #

    Im going away for a month in december to Australlia and need travel insurance. Does anyone know of any good companys. Tried the comparing websites and the cheapest one seems to be big blue cover and oinc.com but they dont have very good reviews.
    Any help is greatfully recieved

  62. Thea July 12, 2013 at 8:44 pm #

    Going to the Rugby World Cup semi final tomorrow. Does anyone know if I can get travel insurance to cover me for just 2 days? I need it cheap otherwise I won’t bother.

  63. Tangela July 13, 2013 at 12:50 am #

    We are planning a family tour to Tibet next year. I have two children, one is eleven and the other is fifteen. Where can I buy travel insurance for my children? In my own country or from a local company in Tibet?

  64. Tad July 13, 2013 at 12:50 am #

    I am a foreigner living in the US, so I could not buy any travel insurance that requires US residency. This summer, I will be traveling back to my home country on a business trip. I am for looking for a type of insurance that could cover my time both in my home country and during my round trip flight. Thank you very much!

  65. Regena July 13, 2013 at 3:28 am #

    I am traveling to Europe for 10 days and I am supposed to have a travel insurance (at least for the requirements for applying for a visa). So, I went to the site of American Express Travel Insurance. But now my question is: what kind of coverage should I choose: I am assuming nothing bad will happen, so want to keep the expenses as low as possible. Should I go for the “Build your own coverage” plan or should I choose the “Comprehensive coverage plan” and select the basic coverage? Please let me know, thank you. The only reason I am buying this is because visa office wants me to buy it, otherwise I wouldn’t bother. Any suggestions?

  66. Loreta July 13, 2013 at 7:46 am #

    I’ve never booked my own travel insurance or anything before and Im just wondering if you get a leaflet or anything or if you have to wait for it to come like your passport?

    Thanks

  67. Blossom July 13, 2013 at 12:02 pm #

    I bought a travel insurance for my dad when he came to visit last year. It was for an emergency coverage. He did got an emergency treatment for kidney failure. After long process of filing, now I got the news that it is denied due to pre-existing condition. What can anybody suggest that I do?

  68. Rayford July 13, 2013 at 12:48 pm #

    Tomorrow I’m travelling to the US, and I’m just wondering how travel insurance works.

    For example: if I visit a doctor or the hospital for a medical problem, do I have to settle the bill upfront then get reimbursed when I’m back home by my insurance provider? What happens if I literally can’t settle the bill upfront? (no credit card etc)

  69. Kylie July 13, 2013 at 5:31 pm #

    I’ve been in UK for more than 4 months with UK student visitor 11 months visa(will expire in 1st of Dec, 2013). I came in UK last Feb. I’m going to apply Schengen visa. Visa required travel insurance. I’ve tried plenty of times to be covered by travel insurance. Agency said It is not possible to get travel insurance. Because travel insurance requirement is I need to stay in UK at least six month. Is there any possibilities to get travel insurance with staying 6 months???
    Thank you!

  70. Hershel July 14, 2013 at 5:13 pm #

    Is there any insurance that include epilepsy in Canada?
    If Yes, can you get some insurance detail? And how much is it??

  71. Alonzo August 1, 2013 at 10:11 am #

    I stay in UK and at end of month will travel to China and need to get travel insurance, probably annual in case I go off again somewhere in a years time. Previously I was with Direct Travel Insurance, they seem to have good cover and are reasonable, but do you know a better one? Pray tell!

  72. Joe August 1, 2013 at 10:29 pm #

    I’m trying to find travel insurance for my mum and dad who are going for a cruise in Europe. They need to get cover for their trip and it needs to include air ambulance rescue but I’m not sure where to get it?

  73. Loren August 1, 2013 at 11:11 pm #

    My parents have booked the travel insurance for our holiday in a few weeks to America. But I am having blood tests done to check for STI’s, i do not want to tell my parents about the blood test. However, does the travel insurance company need to know that I am having these tests done? If so I will have to tell my parents about it so that they can notify the insurance company.

  74. Marinda August 2, 2013 at 8:08 am #

    I’m looking for a good, affordable travel insurance company for my visit to Thailand.

  75. Tiara August 2, 2013 at 12:27 pm #

    I looked online and I found travel insurance for bipolar but its for British people only. For those of you who don’t know, regular travel insurance DOES not cover illness that you have had in the past. It doesn’t cover any mental health problems either. So, what is really the point in me purchasing regular travel insurance when it just seems useless. The only thing I worry about is possibly getting maniac again. I’m not on any medication at the moment and I only suffered a maniac episode once in my life. I was taking medication for an entire year and I was fine that year. It has been 6 months since I stopped medication and I’m fine. Nonetheless, how can I protect myself from a maniac episode happening while abroad?

  76. Nolan August 2, 2013 at 3:41 pm #

    I was due to go to a meeting in Japan and it has been cancelled. I have travel insurance, although I didn’t arrange the travel insurance until after I booked the flight. The meeting has now been cancelled. Will the insurance cover the cost of the flight?

    Does the reason for the meeting being cancelled make any difference? (In this case it was postponed due to the tsunami, although I could actually still physically travel to Japan using the flights)

    Thanks in advance.

  77. Sal August 2, 2013 at 7:50 pm #

    i dont think im going to book travel insurance with my flights as ive already got a loan out and am waaaaaay over budget but i’ll get money nxt wk…instead of waiting i want to book the tickets now as the prices keep going up…is it possible?im going to greece in august…my mother said something about whatever credit card you book your ticket under that they have travel insurance that covers you anyway??is that true?

  78. Jude August 14, 2013 at 2:02 pm #

    Got a quote of how much an insurance costs for a weeks travel in South East Asia from a company called TravelNomads, and the fee was surprisingly affordable ($100). I just got curios how travel insurance works? Let’s say, an accident happens during the travel that results in a thousand dollar hospital bill…how does the 100$ you paid the insurance company help with the hospital bill?
    Yea, it’s WorldNomads, not TravelNomads…apologies.
    Thanks for the answers.

  79. Roman September 4, 2013 at 3:36 am #

    I am filling out a ‘Consent to Disclosure of Medical Records’ form for my UK travel insurance company to assist with my ongoing medical treatment while I am still travelling. There is a part of the form which says;

    ‘I hereby consent to my insurer (Please tick AT LEAST one box as appropriate)
    [] – Being provided with medical information from any doctor who at any time has attended me concerning anything which affects my physical or mental health.
    [] – Being provided with medical information by the Doctors or other Health Professionals currently treating me.
    [] – Disclosing medical information to your company (if your employer provides or arranges your travel insurance)
    [] – Disclosing medical information to Third parties for the sole purpose of repatriation.’

    Which box[es] do I tick? I have read things from other people saying their insurance company found reasons not to cover them by twisting things from their medical history :s

    (Situation is that I never experienced a seizure before I left the UK but I had one for the 1st time whilst in Asia, was taken to hospital, probed, scanned, tested and given a diagnosis of epilepsy by a Neurologist (this part was paid for by my insurance). That Neuro gave me instruction to follow up with another Neuro when I get to Australia and so I am trying to get assistance for the treatment I need in Australia as I’m here for a year and apparently shouldn’t leave treatment until I return home…)

  80. Dusty September 7, 2013 at 9:32 pm #

    I’m planning on booking a flight to Canada this month for 7 days (1 week) and at the payment checkout there’s an option to have Travel Insurance in case anything goes wrong. There’s an option that is “I do not require Travel Insurance” so it is obliviously not mandatory but do you recommend that I select it? I know there is always a chance of something going wrong but I just can’t see that I’d need it if I’m only visiting for a week.

  81. Loren September 23, 2013 at 5:59 am #

    Ok Im considering buying travel insurance,but Im just wondering how does it work with Lost/stolen baggage…for example..Youre in a taxi and the taxi takes off with your baggage..In order to get reimbursed for what you lost must you have receipts of everything in that bag?can you get up to a certain amount without receipts?
    and once you make a claim how long does it take for you to get reimbursed?does it happen while youre still on vacation?
    Thanks

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