Travel Health and Fitness - Do travel insurance plans cover prescriptions?
Aug 13, 12, 10:01 am
I've been looking over sites like World Nomad's Travel Insurance, and my Amex Platinum travel insurance, but all they seem to really talk about is insurance for seriously death/injury/hospitalization. Do any of these international travel insurance plans cover the more simple day to day doctor visit, or dentist appointment, or prescription refill?
Aug 13, 12, 12:21 pm
I don't know the answer to your question (hopefully someone will come along who's had experience), but you might want to call the 800# for the plans & ask them directly.
Also, depending on what goes wrong & what country you're in, it might not be expensive even if you have to pay it out of pocket. I was in Amsterdam a few years ago & got a urinary tract infection. 100E for the doc to come to the hotel; 20Euro for me to go to the doc's, so I went to the doc's office 10 min away. UTIs are pretty basic stuff & easily diagnosed. The prescription at the local pharmacy was 12.70Euros. So it basically cost me $50 for the doc visit/prescription.
However, for more serious things it might be more.
Sep 29, 12, 9:49 am
Some travel insurance cover Rx's that are lost or stollen but you need to read the fine print.
We have 2 layers of travel insurance: basic coverage for matters along travel that are not emergencies and MedJet Evac coverage for disasters.
Both cover Rx's that are needed for illnesses or injuries during travel.
I've found that in most non-US countries Rx's are far cheaper than in the US.
Oct 11, 12, 10:22 am
Hi, trying to find a clearer answer on this since the companies themselves make it so tricky to find out exactly what they're willing to cover and under what conditions. It seems you practically have to have a travel policy already before they'll let you know (other than the standard "pre-existing conditions/electives not covered") This answer (http://ca.answers.yahoo.com/question/index?qid=20101107010229AAv39L3) on Yahoo suggests that new medications aren't covered by travel isurance. But this (http://airmedical.net/resource/travel-coverage-air-ambulance-flights-home/) page suggests medications usually are covered, but its not clear whether that means ones you get prescribed as the result of an incident while traveling. Does anyone know what the "standard" is among travel insurers (or is there one?) for handling existing/new prescriptions. Thanks in advance if anyone can shed some light.
(Btw, I'm in the States if that matters; it seems like almost all of the answers I find are speaking about Canadian healthcare for some reason.)