Can I get Travel Insurance if I have ITP?
While planning an overseas trip, I became confused about what my options where for travel insurance. Can I get travel insurance while I have ITP?
I tried to read through the dense documentation on the insurance website, but that just made me more confused. There was no information within the documentation about problems with a low platelet count, however, the insurance company seemed to be very concerned about my taking of immune suppressants.
My understanding was that I would not be insured for anything while traveling – Not because I had ITP but because I was taking immune suppressing steroids.
With that reasoning, I could jus stop taking my medication. I could get travel insurance if I was not being medicated? Sounds stupid! I am safer on the drugs (apparently) Should I cancel my trip?
I called the insurance company and spoke to a real person about everything that was confusing me. I learnt that with my insurance company ‘Teachers Health’, and many others, I would be covered for things such as accidents, car crashes and trees falling on my head. I would be covered if my bag was stolen or I was mugged in the street.
I would not be covered for any medical expenses directly attributed to having ITP. It was amazing to just call the company and explain yourself. It was wonderful to have a real person explain all the details back to me.
‘Will I be covered for a broken leg, even if having ITP will make my broken legs a life threatening injury?’
‘Yes,’ he said.
‘Will I be covered for replacement medication if my bags are stolen, even if I only need to have the medication because I have ITP in the first place?’
‘Yes,’ he said.
‘Will I be covered for spontaneous internal bleeding for no apparent reason?’
The most important thing, he said, was that I was telling the insurance company about my medical condition before I left. I was registering with them that I had ITP. He said that if I were to lie about having ITP, then my whole insurance policy would be void.
That means – If I did not tell my insurance company I had ITP before I left and I traveled to Indonesia and had my bag stolen with all my money, passport and identification – Boom – Void!! I would have received nothing! Cause I was a liar, and they hate liars.
Will my Medication be Covered while I Travel?
I was surprised and pleased to find out that any medication I needed to take on the trip would be covered by my insurance because it falls under the category of luggage/personal items/possessions. So if I loose my script or my pills while I am over seas, my travel insurance will cover the cost to replace it in whichever country I am in. Wonderful.
The best advice when looking for travel insurance that I can give, is to call them and talk to a person. Offer each insurance company a few examples of potential problems and see what they say. Since booking my trip, I have had great coverage and service from the Teachers Health Insurance Provider.
Has anyone had more luck with Travel Insurance from Australia?