Are You Fit to Travel?
John Harkins, ACS, FLMI
Partner, Employee Benefits & Pensions

You may say “yes” but your travel plan provider may say “no”.

The various carriers that offer group benefit programs usually offer a deluxe travel benefit for their plans. These plans are designed to assist the member in dealing with the high cost of a sudden and unexpected accident, illness or injury.

Most of these plans contain language around "sudden and unexpected wording or pre-existing condition" wording, whereby in the event you require hospitalization or treatment due to a documented medical condition you had prior to traveling you may not be covered. As an example, if you suffered a heart attack four months ago and your doctor has suggested rest and relaxation. Why not do this in FLORIDA????? Your policy may have an exclusion that voids any payment should you require any treatments related to your previous heart attack. Some policies allow for travel after a certain period of time has passed or possibly with medical clearance from your physician.

Wording varies from policy to policy so we encourage you to inform your employees in advance of them traveling and if they are unsure we recommend they contact the insurance company directly.

Incurring medical costs or a hospital stay while traveling in itself is difficult enough. Don’t add to this by finding out the hard way that you don’t have proper coverage.

THE NEXT STEP IS YOURS. TAKE THE FIRST STEP ON THE RIGHT PATH.

CALL US TODAY!