Failure to Disclose Pre-Existing Conditions Could Cost You
Planning and taking a vacation should be a fun and memorable time for everyone. If you want your trip to be memorable for the right reasons, it is important to consider buying medical travel insurance. This will make sure you are covered in the event of an emergency while traveling abroad. Like other medical insurance policies, it is important to fully disclose any information about pre-existing conditions or anything else that may cause a lapse in coverage. For one Australian man, his dream vacation to the Yucatan Peninsula in Mexico has turned costly due to failure to disclose.
A cautionary tale
Last month, Australian citizen, Ryan Maudlen was traveling from Vancouver, Canada to the Caribbean coast of Mexico. Before leaving, Maulden purchased a medical travel insurance policy through a U.K. based company. While on vacation, Maulden’s intestines perforated, causing the liquid in his stomach to spill into his body resulting in blood poisoning. The insurance company initially said they would cover the expenses, which now total more than $100,000.
Two days after admission to the hospital, the insurance company denied his claim. This is because they believe he may not have disclosed information about his pre-existing condition. Maulden has Crohn’s disease, a type of inflammatory bowel disease, which causes chronic inflammation of the gastrointestinal tract.
It is important to fully disclose any pre-existing medical conditions your may have while purchasing medical travel insurance. Most providers will still offer coverage if they are notified of the condition ahead of time, and if the condition is stable. If you wait to disclose your condition until an emergency strikes, it could be too late. In order for you to obtain the treatment you need and have your claims covered, it is important for your provider to have all of the information. Failure to disclose could void your policy and leave you footing the bill.
Consult an expert
The best thing to do before you buy medical travel insurance, is speak with an expert. These people can help answer any questions you may have about policy details. These experts can also help you find a plan that will cover you, even if you have a pre-existing condition. The details of any insurance policy are the difference between being covered or having your claim denied. The experts can help you understand what you are buying and what it covers.
If you are interested in purchasing travel insurance for american citizens, call the experts at (800) 647-4589 or 01 (480) 821-9052 today. Our insurance experts will answer all of your questions and make sure you don’t end up with costly foreign medical bills.