Roland Francis <[email protected]> writes: "With regard to Travel Medical Insurance, for your safety and to avoid nasty surprises, follow these basic precautions:
1. The policy is meant to cover emergency situations only, not regular ones. 2. Whether asked or not, disclose all pre-ex conditions to the insurer. This will increase the cost but will fulfill the purpose. 3. Never buy online. There is no scope for explaining your situation. 4. Strictly heed the stability period, understanding what is meant. For example by ?any change in medication? is meant increase or decrease in dosage, increasing or reducing drugs prescribed within that period. 5. Complementary coverage from credit cards generally do not include pre-ex conditions. 6. Always read your entire contract and ask for clarifications if you require them." Comment: Roland, I have obtained this insurance when we traveled to Brasil for the World Cup of Soccer and enjoyed great peace of mind. Of course we did not have to use it but just to know that we would be covered and would be flown back home in case of an emergency was worth the price.Do not understand what you mean by : do not by online. Where else would you buy this insurance? The link that I provided has the answers to all the frequently asked questions.The coverage is explained quite clearly . It is good for emergency situations as well as "regular ones".Prepaid Insurance is definitely a better value than paying directly for services provided. For example I had recently a Prednisolone shot in my shoulder for a Rotator Cuff issue. The charges by the provider were $920 USD but after Insurance coverage I ended up paying $53. Can't complain too much about that. Best Regards, E. DeSousa
