Peace of Mind

Travel Insurance 101

by Asha Smith

BigStock.com

When you are traveling with a chronic health condition like kidney disease, there are extra steps you should keep in mind while planning to have a safe and happy vacation. Understanding travel insurance and the coverage of your policy is a first step. Visit kidney.ca/webinars to watch the September 21, 2022, Travel Insurance Webinar with Rohit Sharma.

1Know the difference between medical travel insurance and health insurance

While you may have health insurance already provided to you through your workplace, if you suffer a medical emergency while you’re on your trip, your health insurance policy may not cover the cost of the treatment and services you receive. Travel Insurance is a supplemental policy designed to protect you from certain risks and financial losses that can occur when traveling. (Examples include trip cancellation/interruption insurance; luggage loss or medical insurance). Travel medical insurance covers many emergencies, but it is not meant to be used for preventative treatment or regular medical care.

2Check if the travel insurance policy is right for you (read the conditions)

When choosing travel insurance, it’s important to review and understand the coverage offered. Not all travel insurance policies offer the same coverage, so make sure that the policy you are looking at works for you. Read what each travel insurance policy offers you and choose the one that best suits your needs.

3You must disclose your pre-existing condition(s) when purchasing travel insurance

While disclosing your pre-existing conditions may result in denial of certain coverages, or an increase in cost, it is important to disclose this information. Having kidney disease is something that must be declared as a pre-existing condition. If you do not disclose it, your coverage may be cancelled, resulting in the need to pay hospital and medical expenses out of pocket. There are some companies that may still offer a person with a pre-existing condition a policy, but it might exclude that specific condition, but cover other medical issues and events.

4Understand your travel insurance policy

Look at the terms and conditions prior to purchasing the insurance policy. It’s important to understand how your insurance functions in case you need to use it. Look for the “stability period” (or time your health and treatment have remained unchanged), the deductibles, and the reimbursement process to ensure that the policy works for you. Make sure you keep your insurance policy contact information handy.

5Recognize that COVID-19 insurance coverage is a separate cost (supplemental coverage)

COVID-19 is still a public health challenge, and you may wish to inquire about supplemental insurance to keep yourself protected. COVID Insurance benefits help in the event that you are unexpectedly required to self-isolate or quarantine. The coverage will pay for hotel and meals to a certain limit. Family coverage options are available as well.

6Have fun

You’re on vacation! While you do need to take precautions, the goal is to enjoy your trip. So, whether you are taking a cruise or exploring Europe, enjoy yourself, plan and prepare for the unexpected and of course have fun! 

Active Living for Life Now offered virtually!

• FREE exercise program designed for kidney patients • led by a registered kinesiologist • must have access to the internet and a device with a camera and • microphone • each session includes a warm-up, strengthening and balance exercises and cool down

Active Living for Life is generously supported by the Kazman Foundation in partnership with William Osler Health, Sheridan College and The Kidney Foundation.