Medication or prescription drug coverage is an important factor to consider when choosing a travel insurance policy. If you are a traveler that relies on regular medication, you know how important it is to plan ahead and make sure that you are able to receive your prescription, no matter where you are traveling to.
Those who need to use prescription drugs on a regular basis must make sure that they have adequate coverage for drugs. This is especially important if they are traveling for an extended period of time and need to refill their medication during their trip; remember not all medications are standard throughout the world. It is not uncommon for people to lose their luggage, and those who have their medications stored in their bags may have to get new supply of prescription medication. Depending on the specific needs of the traveler, prescriptions can be very expensive and replacing lost medication can cost the traveler both time and money. When a travelers medication is available for purchase, they may cost more than in the States, depending on the health care industry in that specific country. Other than losing their baggage in the airport, they may also have their bags stolen while they are traveling. This can happen in cities with high crime rates, where tourists are one of the main targets of criminals. With coverage for prescriptions, you can obtain financial compensation for replacement of their lost or stolen drugs.
Most standard travel insurance policies do not provide coverage for prescription drugs, but there are a number of special policies that include supplemental coverage that will meet the needs of most travelers using medication regularly. Usually, those who need this type of coverage are senior travelers, travelers with pre-existing medical conditions, and disabled travelers. These travelers are not eligible for standard travel insurance, and they need to purchase special policies. Many senior travelers are in need of drugs, and they have to get a senior travel plan that includes a prescription drug coverage option. There is a maximum compensation limit for medication coverage, and travelers may not get full financial recovery if their drugs are very expensive. Those who are using expensive drugs can upgrade the level of coverage to make sure that they will receive adequate compensation if they lose their drugs.
Those who are suffering from serious medical conditions, such as cancer, heart diseases, diabetes, hypertension, arthritis, asthma, and others, have to ensure that they have a sufficient supply of drugs before they travel. Insurance companies will give them a thorough medical check-up before approving their applications for travel insurance. Medication coverage is usually included in a pre-existing condition travel insurance policy, and it will give substantial financial recovery for lost drugs. People with disabilities will also need coverage for their medicine and disability equipment, and they can get such coverage by purchasing a disability travel insurance policy.