Watch our video about changes to medication and travel insurance
Wondering about Changes in Medication?
There are many misunderstandings concerning how changes in medication will affect your travel insurance. In this video we will explain what is considered a change in medication, how it can affect your insurance coverage and what you can do to ensure you are travelling with confidence.[1 second pause]
What is considered a change in medication?
Any of the following would be considered a change in medication:
• The addition of a new medication
• Stopping a current medication
• Either an increase OR a decrease in your current dosage
• Replacing a current medication with a new medication for the same condition
So, how do changes in medication affect your coverage?
Changes in medication will have an effect on the stability period of the condition the medication is taken for. Any change in medication can be considered a change in treatment. It is important to notify your broker of all medication changes, no matter what kind it is. When it comes to travel insurance, an increase in medication is not necessarily a bad thing, and a decrease or stop in medication is not necessarily positive. For example, a drug that is successfully treating a condition could have serious side effects that necessitate changing its dosage or stopping its use.
Here’s what you can do to make sure you have the right coverage for your situation:
Report any medical changes that have occurred in the past year
If you’ve been to a doctor and they have changed, or suggested a change to your medication, document the change and date and contact your broker to ask if there is any impact to your policy. They can always alter the policy, sometimes even the day you leave. If you don’t you may be travelling with an invalid policy.
Do not disregard your doctor’s advice
Some people refuse treatment or a change in medications against their doctor’s advice because they think it will affect the cost of their travel insurance or that they will be refused coverage.
This is NOT a good idea! In addition to the fact that you may not be receiving the correct treatment for your condition, if a doctor recommends a change in medication, and you do not accept that change, the insurance company will still treat this as an unstable pre-existing medical condition. And in certain situations this may mean that your entire policy is invalid. Ultimately you are in charge of your own health decisions, but do not make a choice regarding your health based on insurance implications.
Be sure to disclose all your medical conditions
Even with a change in medication, you have options. We can help you find a policy that fits your situation, but we are only able to advise you based on the information you provide. By accurately reporting your medical conditions as well as any changes in medications, we can tell you if you have the best coverage before you depart on your trip.
For more information on selecting the right insurance coverage or our other travel insurance topics, please visit our website at www.mediquote.ca