If you have pre-existing medical conditions and use travel insurance, you will want to know how changes in medication affect your insurance 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. 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.
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
Changes in medication will have an effect on your stability period for the condition the medication is taken for. Any change in medication can be considered a change in treatment. That’s why it’s important to notify your travel insurance broker of any changes to medication, no matter what kind it is. Be sure to keep a log of any changes in medication or treatment and contact your broker to see how the change will affect your coverage. They can always alter your policy, sometimes even if it’s the day you’re leaving for your trip.
We can help you find a policy to fit your medical situation, but we’re only able to advise you based on the information that you provide. By accurately recording your medical conditions as well as any changes in medications, we can tell you whether you have the best coverage before you leave on your trip.
Watch our video about how changes in medication affect your travel insurance below: