Has anyone found travel insurance for PA?

14 replies [Last post]
By Melrose Mum on Mon, 07-30-07, 19:15

We are going to York, England next week and I'm horrified to discover that there seems to be no travel insurance company out there that covers food allergies! While we will be staying with friends and have acces to a kitchen, I shudder to think that a mistake could send our daughter to the hospital and completely bankrupt our family with crazy overseas hospital bills.
PLEASE, has anyone found travel insurance for food allergies?
Ellieasha, I saw your post about this a while back under the 'travel in Japan' thread....any news?
Thanks!

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By ajgauthier on Mon, 07-30-07, 21:20

I'm going to Europe for 3 months this fall, so I've been looking too. It's not just "food allergies" specifically, it's pre-existing conditions that many travel insurance companies will not cover.

For me at least, my regular health insurance covers ambulatory emergencies and 'life threatening' emergencies if I need to go to a hospital. They did verify with me that if I have an allergic reaction to food, I can epipen myself and then go to an ER and it's covered.

Travel insurance, however, will not cover an ambulatory emergency if it's due to a pre-existing condition. So, no coverage for my food allergies.

There may be additional riders though, where you can purchase extra coverage for *certain* pre-existing conditions. I saw this from the travel health insurance that AAA promotes (Patriot something or other).

Good luck,
Adrienne

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30-something survivor of severe peanut/tree nut allergy

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***retired from pa.com***

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By Moni on Mon, 07-30-07, 21:34

I'm in Australia, but thought I'd add that we have the same problem here. I travel overseas at least once a year and have not found a company here that will cover my PA. I do have to fill in a special form (and pay extra of course) for special medical clearance of my asthma, but it always says on the policy certificate once I get it in big bold print "PEANUT ALLERGY NOT COVERED IN THIS POLICY". I'd be happy to pay a little more and have that cleared also, but they won't do it.
If there are any Australians out there who have found a company that will cover PA I would really appreciate knowing their details.

Moni

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LIVING WITH PEANUT ALLERGY FOR 30+ YEARS

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LIVING WITH PEANUT ALLERGY FOR 30+ YEARS

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By SallyL on Tue, 07-31-07, 00:09

I just called my Visa card's bank the other day and asked whether or not food allergies qualifies under a pre-existing condition, and he said it does NOT - so it would be covered. I don't need the travel insurance right away, but when I do, I'll be sure to get it in writing. It's probably worth a try!

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By Joanne on Tue, 07-31-07, 01:10

This only is available to medic alert members residing in the US:

[url="http://www.medicalert.org/Main/TravelPlusMain.aspx"]http://www.medicalert.org/Main/TravelPlusMain.aspx[/url]

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By Melrose Mum on Tue, 07-31-07, 13:01

Thanks for the replies... Joanne, I'll call Medic Alert today and ask about their coverage, they say that they 'assist' with processing claims for 'covered expenses' (our insurance doesn't 'cover' overseas expenses) but I'll double check with them anyway.....the wording on these things can be so confusing....
I'll also try to check with FAAN.

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By lmw on Tue, 07-31-07, 13:38

I live in Canada. Our CAA (same as AAA) has an 'out-of-province' travel insurance policy. It covers us for illness, accident, hospitalization etc for up to 30 days per trip (out of our province). I ask every year when I renew it if it covers DD with her food allergies. I have always been told 'yes'. DH has colitis, and I have been told that as long as it has been stable - no change in medication, doctor visits in the last I think 6 months that it was still covered.

We travel a lot, and have never needed medical help (yet, touch wood!). Three kids, allergies, asthma, colitis....all our troubles happen at home!

Melrose Mum - DH and I are going to York mid-August, on our way to Edinburgh,Scotland - the kids are flying on their own to meet us there. I am looking forward to this trip.

[This message has been edited by lmw (edited July 31, 2007).]

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By Cindy2 on Thu, 08-02-07, 15:24

We've used Travelex Plus for our last 2 cruises because they told me that a food allergy is not considered a pre-existing condition. Now, I don't know if I trust them for this years' trip. I called and they told me if she hasn't had a change in her condition or had to seek medical attention in the 90 days prior to purchasing the insurance that she would be covered. Has anyone else used or contacted them?

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Cindy
Mom to:
Stephanie (13)
Jessica PA/TNA (10)

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Cindy
Mom to
Stephanie (13)
Jessica PA/TNA (11)

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By Melrose Mum on Thu, 08-02-07, 15:49

I was getting unsettling information from several insurance companies. Then My DD's Doctor said something brilliant, he informed me that because of the national healthcare in England, he has heard multiple stories of travelers getting sick in the U.K., getting care, and not getting charged! Considering we have never had a PA emergency/hospital visit ( and in light of this new info) we have decided that we will not attempt the red tape of insurance for this trip.
(If we weren't staying in a home with friends, in an English speaking country, with excellent food labeling laws, things would be different) I hope we do not have to test the free national healthcare!
Thank you all for your replies. If anyone HAS had experience with English healthcare whilst visiting abroad, please post.
[img]http://uumor.pair.com/nutalle2/peanutallergy/smile.gif[/img]

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By journstep on Thu, 08-02-07, 19:04

I know an adult with TNA who travels for work a lot and has lived abroad for a while in an out of the way place. Someone else was asking recently about travel insurance for a family member with some preexisting conditons and this person recommended something which I think is called Seven Corners. That said, I don't think the person has had a reaction in a long time, so may not have reported the TNA to the company.

I have not used the company. My existing insurance will reimburse emergency care outside of the country if I submit receipts. I have never had to do that prior to becoming FA recently, and hope not to have FA related emergencies in the future, but it's good to know. Check with your insurer about your own policy.

(relatively recent adult onset non-ANA TNA/inconclusive PA)

[This message has been edited by journstep (edited August 02, 2007).]

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(relatively recent adult onset non-ANA TNA/inconclusive PA)

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By Cindy2 on Tue, 08-07-07, 13:20

Just an update. I called the company that writes the policies for Travelex (Old Republic, I think) and it is considered a
pre-existing condition.
I also called MedicAlert Travel Insurance and they pay for the transportation (evacuation) but, not the medical treatment.
Not sure what to do now, maybe stay home.
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Cindy
Mom to:
Stephanie (13)
Jessica PA/TNA (10)

[This message has been edited by Cindy2 (edited August 07, 2007).]

__________________

Cindy
Mom to
Stephanie (13)
Jessica PA/TNA (11)

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By ajgauthier on Fri, 08-10-07, 22:07

OK - I've called around and found someone who could give me the right answer [img]http://uumor.pair.com/nutalle2/peanutallergy/smile.gif[/img]

So, AAA (American Automobile Assoc) offers international travel insurance through International Medical Group.

Of course, they consider food allergies to be a pre-existing condition. BUT - here's how it works.

30-days before the activation date of the insurance you need to be stable and treatment needs to be steady and unchanging. Meaning, no new therapies, no reactions (that you've been to the doctor's office or hospital...written record), nada. For me personally, I haven't had a reaction that required an ER in over 16 years, and, I don't take 'daily meds' to prevent a reaction. (I've posted recently about maybe doing that, but after discussion w/ my primary care, I've decided against it)

Anyhoot ---

IMS has a 'pre-existing condition rider' that if while you are traveling and under the insurance, and you have that 30-days prior free & clear of the condition being treated, and you have a "sudden reoccurance" THEN YOU ARE ELIGIBLE FOR THE ER/URGENT CARE BENEFIT [img]http://uumor.pair.com/nutalle2/peanutallergy/smile.gif[/img]

WOOT!

If you have any subsequent reactions (I used the example that if you have a severe reaction, you are then more sensitive to traces and such and I would have a higher likelihood of more reactions after the main one) --- those are also covered b/c it happened during the coverage time.

So - yay! I found a good travel medical insurance plan. though --- I will note that my regular health care coverage DOES cover ER's/ambulances internationally. So, I didn't really need to worry, but I'm trying to get the larger picture when I'm in Europe for that extended time if I do have a food allergy emergency.

Here is the weblink:

[url="http://www.imglobal.com/pdf.cfm?f=64&a=18322"]http://www.imglobal.com/pdf.cfm?f=64&a=18322[/url]

Adrienne

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30-something survivor of severe peanut/tree nut allergy

__________________

***retired from pa.com***

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By Melrose Mum on Mon, 08-20-07, 13:01

Thank you all for your replies. We had a fantabulous time in York, 12 great days, what a city! No reactions, in fact DD had her first non-home-made ice cream cone from a street vendor, love those British labels! The whole dollar to pound exchange was a bit of a downer but everything else was glorious.

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By Adele on Mon, 08-20-07, 13:17

Adrienne,
THANKS for this great information! Much appreciated.
Adele

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By sidni on Mon, 12-15-08, 17:19

World Nomads travel insurance is really affordable and can cover nut allergies under a few conditions (I just called about this 5 minutes ago...)

You must not have had a reaction within the last 120 days before you buy the insurance
You must not have received your diagnosis within the last 120 days
You must not have had a change in epi-pen/twinject dosage in the last 120 days.

It is ok if you bought a new epi/twinject, as long as it isn't a change in condition, just an expiration, or choice to switch from epi to twin, etc. It is kind of like what other people mentioned that if the condition is "dormant" then you have a "sudden recurrence" it is covered.

I will be double checking this information before I purchase it, but it is affordable, flexible, and covers all kinds of adventures, so if you're going to hiking, boating, skiing, sporting about... Its a good one.

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