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Exploring new destinations, cuisine and cultures brings joy and excitement. However, it's essential to acknowledge that our journeys may require a bit more planning and consideration than they did in our younger years. From managing pre-existing medical conditions to ensuring access to healthcare overseas, our health and well-being deserve special attention as we embark on our travels.
Understanding the need for Comprehensive Medical Coverage
It is important to consider the financial implications of unexpected medical expenses when travelling. While Australia has reciprocal health agreements with countries like the UK and New Zealand, which will cover some of the medical costs, there are often costs such as the cost of prescription medication that are not fully covered. Moreover, in countries such as the United States, medical expenses can soar significantly, highlighting the importance of medical cover.
Many travel insurance providers, such as Insure&Go, offer coverage for unlimited overseas medical expenses so you can travel with peace of mind.
Coverage for pre-existing medical conditions
When you are looking for travel insurance, it's essential to take into account coverage for pre-existing medical conditions such as heart disease, cancer or respiratory issues. Medical emergencies caused by an undeclared medical condition usually forfeit your coverage, so it is important to declare any pre-existing medical conditions and obtain the appropriate coverage.
Insure&Go, for example, consider all pre-existing medical conditions for possible cover, some at no extra charge.
Emergency Medical Assistance
While being unwell on your holiday can in itself be quite unpleasant, navigating a medical emergency while overseas can add another layer of complexity to it. You may not only have to navigate through unfamiliar surroundings and potentially language barriers, but you are also faced with the task of finding reliable medical assistance. In some cases, the healthcare system in the destination country may operate differently from what you are used to back home.
Whether it's arranging transportation to a medical facility, coordinating with healthcare providers, or simply providing reassurance and guidance during a crisis, having emergency assistance services as part of your travel insurance can offer invaluable support and peace of mind during such situations.
Insure&Go, for example, offer 24/7 emergency assistance services with their travel insurance policies. As a wholly owned subsidiary of Europ Assistance, they have access to a network of 750,000 providers in over 200 countries that are available to assist round the clock.
Prioritising medical coverage in travel insurance allows us to embrace our adventures with confidence, knowing that our health and well-being are protected every step of the way. By planning and being prepared for the unexpected, we can enjoy the freedom of travel while staying safe and healthy wherever our journeys may take us.
Taking out travel insurance should not be a daunting experience. If you need help understanding how travel insurance works, make sure to read the Product Disclosure Statement (PDS) or contact your provider before you buy to understand your options.
If you’re looking to purchase a policy, Insure&Go offer a 15% discount on premiums for Seniors Card SA members. Use code SENSA15 in the promotional box at https://www.insureandgo.com.au or call 1300 401 177.
Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, AFSL 240816, issues Insure&Go Travel Insurance (the insurance). For full details of the benefits, terms and conditions and exclusions that may apply please read the Product Disclosure Statement, Target Market Determination (TMD) and Financial Services Guide available here to decide if the insurance is right for you. Mitsui Sumitomo Insurance has appointed Europ Assistance Australia Pty Ltd, ACN 140 219 594 as its Authorised Representative (AR Number 424825) to deal with this insurance product.