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Does Asthma Affect Travel Insurance

Do You Need To Declare Your Asthma Even If It Is Mild

Travelling with Asthma | Cover-More Travel Insurance

Its;essential to declare your asthma when completing your quote; no matter how mild it is.

However, we understand that the severity of asthma varies. Thats why,;the multiple-choice;medical;questions allow you to detail how mild or severe your asthma is.

We use this information;to determine your;premium; and;offer a range of fairly priced quotes for you.

Is Asthma A Pre

Yes, it is. Unfortunately, insurers believe someone with an existing medical condition is more likely to make a claim than a healthy person, which makes them high risk, as they might cost the insurance company money. This means that getting travel insurance for people with Asthma may be considerably more expensive. We believe this is unfair, which is why we started our Travel Insurance with Asthma group you can get a quote here.

Are People With Asthma At Higher Risk Of Poor Outcomes From Covid

Despite the lack of hard data, the WHO, the CDC, and lung disease specialists are in agreement: People with asthma have a higher risk of severe illness and death with respiratory infections in general. Because of this, any child or adult with moderate to severe asthma should consider themselves at risk for severe COVID-19 disease and take extra precautions with their health.;

This is especially true for anyone who has been admitted to the hospital for asthma in the last 12 months, or who has ever been admitted to an intensive care unit for their asthma.;

Why is this recommendation in place when there is no hard evidence? Heres why.;

Any infection in the lung can trigger an asthma attack, causing the smallest airways in the lung to tighten up and let very little air in and out. The symptoms are sudden and severe: shortness of breath, wheezing, and cough. If the infection is mild, for example with a common cold, asthma symptoms can usually be managed at home. Most people with asthma have an asthma action plan that tells them how to manage their symptoms when they get worse, and when to seek medical attention.;

If the infection is more serious, a person with an asthma attack may need emergency treatment in the hospital with oxygen, nebulizers, and corticosteroids. Usually things improve pretty quickly. Antibiotics help to treat a bacterial lung infection if there is one, and flu treatments like Tamiflu can help shorten symptoms if the infection is caused by the flu.;

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What Is Medical Travel Insurance

At the very least, allholiday insuranceshould cover some medical costs in the event of illness or injury. The cover can vary wildly from company to company, but this should be a major part of anytravel insurance policy. What many people mean when they talk about specific medical travel insurance is usually a type of policy thats able to take into consideration pre-existing health conditions.

Why Do You Need Travel Insurance For Asthma

Asthma Holiday Insurance

Asthma travel insurance covers you if youre living with Asthma and wish to travel with confidence. This type of insurance covers you for medical emergencies, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are on holiday.

What if your asthma took a turn for the worst while on holiday because you were exposed to a trigger that you do not often experience in your daily life? What if your inhalers are lost or stolen?

These are important considerations, whether your asthma is severe and you use asthma medication daily or you have mild asthma.

If you have a specialist asthma travel insurance;policy, youll be covered if you need;unexpected medication or have to be admitted to hospital during your holiday

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General Precautions For People With Respiratory Conditions

General tips for those with chronic respiratory illnesses such as asthma, chronic obstructive pulmonary disease , idiopathic pulmonary fibrosis, and cystic fibrosis include the following:

  • Take your medication as prescribed and manage your symptoms as well as you can.;
  • Get the flu shot. If you have flu symptoms call your doctor. There are treatments for the flu. However, a flu shot will not protect you against COVID-19.
  • Get the pneumococcal vaccine if recommended by your provider. This will also not protect you against COVID-19, though.;;
  • If you smoke, theres never been a better time to stop. Smoking will increase your risk of severe illness and death from COVID-19.;

What To Do When You Get Sick Overseas

This is the worst-case scenario. Youre thousands of miles away from home, you dont speak the native language, and there is nary a friend, family member or co-worker to help you out. Youre not just under the weather; youre experiencing that cant-get-out-of-bed type of sick that only hits once a decade.

This is when travel insurance with emergency medical and dental benefits becomes invaluable. If, while traveling, you experience a sudden, unexpected illness, injury, or medical condition that could cause serious harm if it is not treated, this benefit can reimburse the reasonable and customary costs of emergency medical care . It can also cover the costs of emergency care for a dental injury or infection, a lost filling, or a broken tooth . Allianz Global Assistance can also guarantee or advance payments, where accepted, if youll be hospitalized for more than 24 hours.

If your illness is so severe that you have to interrupt your travels or go home early, your trip interruption benefits can reimburse you for the part of your trip you didnt get to take . These benefits can also reimburse you for reasonable transportation expenses you incur to continue your trip or return home, or additional accommodation and transportation expenses, if the interruption causes you to stay at your destination longer than originally planned.;;

Read more: How to Survive Traveling While Sick

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Travel Insurance With Asthma

ByRonny Lavie 8th September 2014

In the UK alone, around 5.4 million people are receiving treatment for Asthma that is around 1 in 12 adults, and 1 in every 11 children. The condition affects every person differently, with some having frequent attacks and others managing to go through weeks, or even months, without any attacks with the help of medication.

While Asthma is considered a chronic, rather than life-threatening, condition, it currently cannot be cured and can prove fatal and more advancements are needed, both with regards to treatment and patient education, particularly in developing countries.

Is There Any Way I Can Get Cheap Travel Insurance For Asthmatics

How does asthma work? – Christopher E. Gaw

It is important to note that your destination can have an effect on your premiums. Certain places in Europe carry higher medical care costs, and therefore higher insurance premiums. It is worth specifying the exact country or countries you are travelling to while filling out your quote form, to avoid paying higher premiums than you should. Additionally, travel insurance for the North America can be considerably more expensive due to the high cost of medical care in the region.

Another way you can keep your cost down is by joining our Asthma Travel Insurance Group and using the collective buying power you share with other asthmatics to get a discounted quote.

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How To Manage Traveling While Sick

If youre under the weather with impending travel plans, you have two choices: persevering or cancelling your trip.

The Centers for Disease Control cautions people not to travel when they have a fever of 100 degrees F or greater paired with another condition, including rashes, weakness, difficulty breathing, severe coughs, confusion or vomiting.5 ;Your trip cancellation may be covered by your travel insurance policy if your illness is disabling enough to make a reasonable person cancel their trip, and if a doctor advises you to cancel your trip before you cancel it.

If you decide to stay the course, you can take over-the-counter medications to manage your symptoms, or see your primary care physician for something stronger. Flu sufferers may be prescribed anti-viral drugs, the sooner the better, and ideally within 48 hours of symptoms manifesting.iii;Remember to pack all prescription medications in your carry-on luggage, as these can be difficult to replace overseas.

How Asthma Affects Your Oral Health

Asthma medications can affect your oral health, but there are some simple ways you can protect your mouth, teeth and gums.

20 November 20173 min read

If you live with asthma, it can be a daily battle just to breathe easily, so the last thing you need is another health concern.

While your oral health may not always be top of mind, it’s something you should be mindful of, as asthma medications can have a harmful effect on your oral health. Fortunately, there are some easy ways to keep your teeth and gums healthy.

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The Importance Of Declaring All Conditions

Once you have successfully declared COPD you will also need to declare any other recurring illnesses, on-going or lifelong conditions, previous surgeries and any conditions youre currently living with. This is because if you fail to declare your COPD, or any other condition you may have;when taking out travel insurance, you could invalidate any claim resulting from a particular condition.

What Should I Do If I Have A Severe Asthma Attack

World Asthma Day

A severe asthma attack needs immediate medical care. The first step is your rescue inhaler. A rescue inhaler uses fast-acting medicines to open up your airways. Its different than your normal maintenance inhaler, which you use every day. You should only use the rescue inhaler in an emergency.

If your rescue inhaler doesnt help or you dont have it with you, go to the emergency department if you have:

  • Anxiety or panic.
  • Bluish fingernails, bluish lips or gray or whitish lips or gums .
  • Chest pain or pressure.

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What Happens If My Medical Situation Changes After I Get My Insurance

Your policy could be affected if theres a change in your medical condition. For instance, if you have a new medical condition after taking out insurance, youll need to tell us about this change. In many circumstances you may find your insurance is unaffected, but you must check with us first.;

If you have a pre-existing condition and you buy an insurance policy that covers it, your insurance may extend to illnesses related to or arising from that condition. But no policy can cover every eventuality, so its not always clear whether your personal circumstances will be covered.

If youve got insurance with InsureandGo and your situation changes, you should contact us as soon as possible on0330 400 1383.

For more information, visit our;United States page.

What Does An Asthma Travel Insurance Policy Cover You For

Whether your asthma is mild or severe, youre still susceptible to an asthma attack. If anything were to trigger an asthma attack whilst on holiday, or if you lost your inhaler or it got stolen, you want to make sure you will have access to a 24-hour emergency medical assistance line from abroad or to claim for any unplanned medical treatment and replacement medication.

Providing you have fully declared your asthma, and any other condition you live with, a comprehensive policy should cover you:

  • For mild or severe asthma.
  • To use a 24 hour emergency medical assistance line from abroad if something triggers an asthma attack while on holiday or if you lose your inhaler, or encounter any other medical problems.
  • To claim for any unplanned medical treatment and replacement medication*.

*Providers will vary, so do check the cover limits of the policy you intend to purchase.

  • We understand that the severity of asthma varies your asthma might be mild, or it might be severe with a history of hospital admissions.
  • Thats why the medical screening questions are designed to get the relevant information needed.
  • This enables us to offer a range of fairly priced quotes for a policy that meets your specific cover needs.

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Severe Asthma Impacts Relationships Activities And Emotions

This research project of the Asthma and Allergy Foundation of America was made possible with support from AstraZeneca.

Its obvious that asthma affects your health. But how does it impact other areas of your life? The results of our My Life With Asthma online survey showed us how severe asthma can affect relationships, emotions and activities.

The study looked at two groups:

  • People with severe uncontrolled asthma
  • People with not severe uncontrolled asthma

Taking Care Of Your Medication

Access to Asthma Medications
  • When travelling it is vital you are organised with your medication and that you and those travelling with you know what to do in an emergency situation. Keep a doctors note to hand of all your medications and their doses.
  • Having this in your native language as well as a translated version could save time in an emergency. Just make doubly sure the translation in correct if you decide to do this.
  • Keep medications in their original packaging not in unmarked containers.
  • Store your medications safely, whether this is refrigerated or kept in safe packaging.
  • Its always important to carry backup medication, in case you run out or it gets lost.
  • Be prepared that different countries have different names for medication.
  • Paracetamol;is known as;Acetaminophen;in the;United States, Japan,;Canada, Venezuela, Columbia and Iran. There may be a local alternative to your medication that may be easier to obtain. Consult your GP before taking any alternative medications.

    Lastly, before travelling check if your medication is allowed in another country, different rules and regulations apply for the type of medication and also the quantity.

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    Global Health Insurance Card

    If youre travelling or going on holiday to an EU country, you can apply for a free GHIC card. This allows you to get reduced cost, or free, state healthcare in the EU, including emergency healthcare if you have an asthma attack on holiday.

    The GHIC card replaces the old EHIC . You can still use your EHIC card if it remains in date. Once it expires youll need to apply for the GHIC card instead.

    The GHIC, like the old EHIC card, is not an alternative to travel insurance.

    You can find out more about the GHIC card, what it covers, and how to apply on the NHS website.

    You Gave Up On Your Trip Too Soon

    The day of Keith’s scheduled flight to France, a surprise winter storm grounds his connecting flight. After sitting in the airport for 12 hours, he gets furious and decides to cancel the whole trip. However, his trip cancellation insurance claim is denied.

    We know trip delays are aggravating. But don’t cancel your entire trip because of a short delay! To make a trip cancellation claim, your travel carrier must have been unable to get you to your original itinerarys destination for at least 24 consecutive hours from the originally scheduled arrival time.

    Keep in mind that your trip cancellation benefits can also help you get to your original destination another way! You can be reimbursed for the reasonable cost of alternate transportation, less available refunds; and the cost of any lost prepaid accommodations caused by your covered delayed arrival, less available refunds.

    You may also be able to file a trip interruption claim if you miss at least 50% of the length of your trip due to a travel carrier delay or other covered reason.

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    Cancer Travel Insurance Cover

    If youre receiving treatment for cancer, its essential to declare your condition and acquire a specialist cancer travel insurance policy.

    Dont just assume you wont be able to find cover, or worry that your premium will be sky high. There are a number of providers who offer comprehensive cover at competitive rates across all forms of the disease including breast cancer travel insurance, prostate cancer travel insurance and skin cancer travel insurance.

    Asthma Travel Insurance Cover

    Asthma Attacks Greatly Reduced By Taking Vitamin D

    Many people suffer from asthma, young and old. For some, it is such a part of their everyday life that they forget about it when they come to;buy travel insurance.

    Children often suffer from asthma. If you are a parent with an asthmatic child, don’t forget that you will need to declare their illness on their behalf when you buy family travel insurance.

    There are a number of specialist insurance companies that can provide asthma travel insurance cover.

    Also Check: How Do People Control Their Asthma

    How Does Asthma Affect Canadians

    For the purpose of this fact sheet, we have focused on the subset of individuals with active asthma including only those who have had asthma symptoms or used asthma medications in the past 12 months. In 2009-10, more than 1.8 million Canadians were living with active asthma.

    Only one in three had their asthma well-controlled.

    • Canadians under the age of 65 years, people with total household incomes below $80,000, and people living outside of an urban core were less likely to have their asthma well controlled. Current smokers and people with high blood pressure were also less likely to have their asthma controlled.
    Table 1: Indicators of poorly controlled asthma.

    Definition: “poorly controlled” asthma is defined as having at least one of the following indicators: Percent of active asthma respondents
    Experienced asthma symptoms 4 days per week on average. 21.9%
    10. Outdoor air pollution 46.1%

    Each of the following triggers were reported by 43% or fewer of respondents: change in temperature or weather, chemical fumes or gases , perfumes or colognes, fumes from a wood stove or wood furnace, feathers in items such as pillows, quilts or duvets, laughing or crying, stress, certain foods, and certain medicines.


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