People don’t often realize the value of travel insurance until they suffer some sort of health attack right when they are supposed to be enjoying their vacations of a lifetime. Many insurance providers offer policies that cover people who have pre-existing medical conditions, which generally refer to some health conditions that you have at the time when you purchased the insurance. It also often includes conditions for which you have been investigated, taken medication, or hospitalized for a certain period in the recent past.
Unfortunately, some insurance providers do not cover insurance for people who have suffered from a stroke in the past. If you think about it, a stroke is as serious a medical condition as anything else. Indeed, a stroke can lead to a lot of underlying problems that bring both physical and emotional turmoil.
People who have suffered from strokes should be given the same treatment by insurance providers as with everybody else. However, there’s really no cause to worry because there still are many providers who offer insurance policies for people who have had a stroke. You only have to work a little harder to find a provider that will meet all your needs.
Since a stroke can bring about a number of other complications, it’s no wonder that some insurance providers don’t offer travel medical insurance for stroke patients. Some of these other conditions include diabetes, heart attack, pneumonia, and even depression. No matter how tedious it is to declare all these information to your insurance provider, there is always one very important thing to remember. Declare it! Make sure that your insurance provider knows everything about the stroke you have suffered in the past. While you are at it, you should also declare all other medical conditions you have had, even if they are not linked to the stroke. This is because insurers only cover emergency situations caused by the health conditions you have declared.
Of course, your insurers will not actually take your word for it. You will have to provide a medical certificate from your doctor as proof that you have really suffered from a stroke in the past. Otherwise, they will confirm your condition with the hospital you were admitted to or the practitioner you turned to when the stroke happened. Once they are certain that you are telling the truth, you are eligible to apply for a travel insurance that covers your medical condition.
The most common benefit you will receive is the coverage of medical expenses in the event that a stroke occurs during your trip. Travel insurers also provide other forms of assistance, including reimbursements in case you want to cancel your trip on the grounds that it is related to the stroke, and coverage of the expenses of a companion. This covers accommodations and airfare of the person needs to stay with you as you go through treatment during the trip.
The possibilities of travel insurance for people who have suffered from a stroke in the past differ from provider to provider. You will have to look for one that offers the broadest coverage so that you can take full advantage of your purchase.