We have recently decided to jump feet first and take the plunge into an overseas trip with our children - one of whom suffers from severe food allergies. This decision has been years of family negotiation, concerns and doubts regarding food. It is not just the allergies - it is un-adventurous children eating in a foreign country. Well, with lingering concerns the flights are booked and we are going overseas (Japan) with our young ones it tow.
So, if by any chance they attempt to eat anything other than rice, where do we stand on medical expenses if an allergic reaction were to occur.
Ah, where indeed. It turns out that we will get lucky with this trip...let me explain why - Its because we have one of those credit cards that provide international travel insurance as long as we pay for a portion of our trip on our credit card.
I started to diligently read the PDS (Product Disclosure Statement) over a mug of strong coffee. The first thing I spotted was that existing medical conditions would not be covered - but a exemption to this rule could be applied for.
Great, so I can request the paperwork and go thought the process of ensuring the insurer knows about the allergies, knows how we manage them, knows about the reaction history and then, maybe we will have cover for an allergic reaction and any possible medical expenses. Seems painful but reasonable.
But, after reading on a little further I discovered that the policy had some 'exclusions' to the existing medical condition exclusion.
"Provided the following existing medical conditions are stable and you or anyone else to be covered are not waiting for treatment, on a hospital waiting list or awaiting results of medical tests or investigations in relation to any of these conditions, cover is automatically provided. Allergies - such as allergic rhinitis, chronic rhinitis, hayfever, sinusitis, anaphylaxis, dermatitis, eczema, psoriasis, urticaria, food intolerance, latex allergy"
So, happy days are here. Our travel insurance from our credit card will cover allergic reaction related medical expenses. Another task ticked off the list.
If you, or someone you are traveling with, have food intolerances or allergies, travel insurance is vital. Shop around and speak with each possible insurer to ensure they understand your concerns and will cover you adequately. (For our trip our international holiday will be covered by the ANZ Platinum Card - so if you have one, make some use of it).