Medical Insurance
For those that travel with additonal purchased medical coverage....any tips? I have had only one claim and it was handled promply and without troubles, but I will say..I had dotted my I's and cros...
Forum Discussion
Most travel insurance has changed in he last few years. Most now have a pre existing condition clause that is very restrictive. Some are 90 days but others can be 12 months. If you go to see your Dr. and he orders any tests that becomes a pre existing condition and the date of that test is what they use for your stability clause. Even if you don't answer a questionnaire or the questionnaire is a few simple questions ask for the actual policy and read the stability clause. A change in medication means both additional or reduction in meds. If you have a big claim they will go over all your medical records looking for an out. Manulife will refuse all coverage if one of your questions was answered incorrectly. Even if that question has nothing to do with your claim. If you buy your insurance in say August but don't leave until November ( you can get a discount) and there is some sort of emergency in between August and November you have to inform the insurance company. Failure to do so could nullify your coverage.
Moisheh
Moisheh
