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Travel Insurance Traps

At this time of year, many snowbirds are preparing for the flight south to escape the cold winter snow. Or, if you do not have the chance to be a Snowbird, you may be planning your winter vacation. As you pack your warm clothes, you must also turn your mind to take steps to protect yourself in case you have a medical emergency abroad.

Some days later in an Ontario hospital in May cost your family some parking expenses incurred when you visit, you will probably not cost you anything, perhaps more than hiring someone to feed her company, or to water your plants. A few days later in a hospital the United States, where costs can go up to $ 4,000 per day may lead to bankruptcy. Medicare covers a percentage of the bill, but the maximum amount will be refunded the cost of the matching had been made in Ontario – which represents about 10% of what they practice in the United States

The purpose of an insurance-Travel is to provide coverage for sudden, unexpected and unanticipated medical emergencies. A Travel insurance policy is a smart purchase, however, before buying one, you should be wary of restrictions that are often provided for these policies. Much passengers do not realize that after the emergency occurred, the insurance May void ab initio, or that the insurance company may refuse a claim, because politics is full of exclusions and conditions. An insurance company may refuse an application in one of three situations: (a) your emergency medical care was related to a pre-existing (pre-) output condition, (b) there is another exclusion in the policy denying coverage, or (c) made a false statement "material" when completing the application form.

Application Process

Travel insurance is a form Subscription retroactively. Normally, complete an application for insurance and, most likely you will be approved for coverage. This does not mean But the insurance reimbursement if incurred outside the country, the cost of health care. "The approval of coverage" means only that the policy is now in place. Only after they become ill during the holidays and then submit bills to the insurer, society no assurance of its investigation to determine whether they are entitled to be reimbursed.

It is the record of the trap without being account that most people. Often these forms are only one or two pages, and you ask very broad questions about your prior medical health. The application form itself be written may very simple, and it is your response that leads to an accompanying page that sets the conditions coverage (eg, words that must be met before the insurance company agrees to pay your bill) and exclusions (eg circumstances under which the insurance company will not pay for medical expenses).

Preexisting medical conditions

Exclusions in most policies are written in small print on the back of the dense application form or in the policy booklet that is provided to you after paying the premium. At this point, most people do not care to take a complete revision of this booklet.

The exclusion of pre-existing conditions medical is the exclusion that causes the most difficulty for travelers and is the main exclusion that leads ultimately to a denial of coverage. This exclusion is made different ways. For example, the application form can be said that the policy does not cover:

"The costs that are directly or indirectly related a medical condition for which you have seen a doctor, had treatment or been prescribed medication over the last 12 months. "

"The costs incurred for a medical condition for which you requested treatment from a related conditions during the 12 months before the date your departure. "

"The costs of health care caused by a medical condition reasonably foreseeable."

"The cost of a medical condition for which symptoms occurred or which require medical consultation, treatment or prescription of drugs within 120 days before your departure date.

These exclusions are so broad that allow the insurance company to trust them with relative ease. I noted above some of the more ambiguous and catch-all terminology. "Indirectly related" medical conditions can reach almost all pre-existing medical condition. Who decides what constitutes a "relationship" status? It will be a brief visit to a decline in health clinic for a passing illness be considered a "medical consultation" so as to exclude coverage? Could someone who had hypertension for years, but otherwise in perfect health, be denied coverage for medical expenses committed to following a heart attack in Florida, on the basis of blood pressure is "indirectly" related to heart disease – even if only one risk factor? Or is the fact that he had a bout of bronchitis 12 months before your trip, for which he has taken antibiotics and then made a full recovery, but have been hospitalized with a collapsed lung, allow the insurer to take the position that you sought treatment for a prior lung condition and as such, hospital will not be covered by your contract?

All these examples may seem silly, but they do produce. So if you are applying for insurance, read the application carefully and make sure you know all the terms and conditions before paying the premium. If you see a similar formulation that I provided earlier, ask the insurance company, and his doctor for clarification.

Other exclusions

There may be unrelated to other exclusions prior medical conditions that allow the insurer to refuse to reimburse you. You must read and understand these exclusions so that you can buy extra coverage or extra before your trip. Exceptions may be neglected, May and be detrimental, including:

The May policy provided coverage for hospital care, and not for treatment at a clinic.

The policy may cover hospital expenses only if a person is admitted at least 48 hours (or 24 hours, depending on policy).

Policy in May require prior authorization of the treatment provider before the insurer agrees to pay medical expenses – is vital as they are undergo emergency surgery and the hospital has no information regarding your insurance or no contact with the insurer.

The policy may provide a list of medical conditions based on age, length of trip or destination, are not covered, regardless of their pre-travel medical history. You may not even realize they are not covered because they are unfamiliar with medical terminology used in the application form or in the policy booklet. You know what a transient ischemic attack is it? What is vascular disease brain?

In case of doubt the meaning of the clauses in the policy or application form, ask your insurance agent, his agent or the person who sells insurance to travel further clarification.

False statements

If you provide information an insurance company when applying for insurance and the insurance company is based on information contained in Decision expand coverage for you, but later learns that the information was misleading or inaccurate, the insurance company may declare null and void the policy. Failure to disclose relevant information is called a misrepresentation. With travel insurance, form application generally asks you questions about your medical history. This is where you produce the most false statements, but In my experience, finally, by example, not necessarily "material." If you later claim for costs, the insurance company will try to recover your pre-trip and review medical records to ensure that you have not made false statements.

Some people may forget that she had a mild heart attack 10 years makes, or who have had blood tests to exclude a particular disease or who suffered Once a mysterious skin disease. Thus, reveal more of these forgotten episodes on the application form. However, the application may use medical terminology foreign to the average person, for example, many people do not know what a myocardial infarction (heart attack), so they not reveal the heart attack to the insurer.

Misrepresentation or lack of communication is a valid basis for denying insurance coverage that when misinterpreted the information relates to the medical emergency in which the person is seeking coverage. If you are traveling and become seriously ill with pneumonia and require hospitalization as a result, the fact that you have not given technique known heart attack in May would unnecessary. However, the insurer intends to assert that he has the right to declare the policy void and void, and, until the matter is resolved, the foreign hospital and / or collection agency continued its unpaid bill.

Tips and advice

The conclusion? If you need a magnifying glass, dictionary or instruction manual to help read the application form and accompanying exclusions, it is inevitable you were not fully understand all the exclusions attached to the policy can make a mistake and you may find yourself without reimbursement if you have a medical emergency abroad. There are ways to protect yourself so you do not have to declare bankruptcy, re-mortgaging your home or start trial.

Read the application form and policy Published carefully before paying the premium,

Go through the medical questionnaire by your doctor, especially if you are over 65 years and / or a history of medical problems

Do not buy a party line and not shop around for the cheapest premium

Certain Journey through an agent or broker. Then, assume the responsibility of explaining all exclusions and policy conditions to you and make sure that you understand,

Do you have health insurance through their jobs? If yes, see how well that policy will pay medical expenses countries. See if you can buy additional coverage.

About the Author

Najma M. Rashid is a lawyer with BrazeauSeller.LLP and its sister firm, Howard Yegendorf & Associates . She practices in the area of insurance and personal injury. She litigates all forms of injury and insurance-related claims, such as coverage disputes, motor vehicle litigation and wrongful death, as well as long-term disability claims against insurance companies.

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