Travel Insurance Cover for Bipolar Disorder
Generally travel insurance tends to exclude cover for pre-existing medical conditions, and this can include bipolar disorder. Bipolar disorder, formerly known as manic depression, is a condition that affects your moods, which can swing from one extreme to another. If you have been diagnosed with bipolar disorder, you will need to disclose it when applying for travel insurance to ensure that you are covered before and while on your trip. For travel in Europe, you should also ensure that you have a valid European Health Insurance Card (EHIC).
What does travel insurance for bipolar disorder cover?
A travel insurance policy which covers bipolar disorder offers you protection in the event of any complications whilst on holiday. You would be able to access a 24 hour emergency medical assistance line, with operators fluent in many languages who can speak to medical staff wherever you are. Expenses such as ambulance and hospital admission costs, and repatriation to the UK, also tend to be covered by the medical expenses section of a policy. Cancellation cover would mean that if you were deemed unfit to travel before your holiday, for reasons relating to complications of bipolar disorder, you would be entitled to make a claim. Please be aware that different insurers offer different levels of cover, and you should check the cover limits of the policy prior to purchase.
How to get travel insurance that covers your bipolar disorder
Our online medical screening makes it easy to compare travel insurance that covers pre-existing medical conditions at MedicalTravelInsurance.co.uk. When entering your details you will be asked some questions relevant to your condition, any treatment you have received, and any medication you are taking. The answers you provide will allow us to quickly assess your current health situation and tailor travel insurance quotes that will provide suitable cover for you.
For further information and advice on travelling with a bipolar disorder, you may find the links at the below helpful.
This page uses information from the following sources:
FAQs
Bipolar disorder, formerly known as manic depression, is a condition that affects your moods, which can swing from one extreme to another. If you have been diagnosed with bipolar disorder, you will need to disclose it when applying for travel insurance to ensure that you are covered before and while on your trip.
Does health insurance cover bipolar disorder? ›
More Coverage from California
California law provides added security by requiring every health plan in the state to cover certain mental health conditions, including the following: Major depressive disorders. Autism or pervasive developmental disorder. Bipolar disorder.
How much medical travel insurance is enough? ›
How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.
How do you prove illness for travel insurance? ›
Regardless, if you feel too sick to travel it's important to have your opinion confirmed and your diagnosis documented by a doctor. Medical documentation will be required if you're looking to be reimbursed for your non-refundable trip costs if you have to cancel your trip.
Is bipolar considered a medical problem? ›
Bipolar disorder (formerly called manic-depressive illness or manic depression) is a mental illness that causes unusual shifts in a person's mood, energy, activity levels, and concentration.
Is it hard for bipolar people to travel? ›
Traveling can be stressful for everyone, but even more so for me, as I have bipolar disorder. External stressors like delays and even snarky passengers make dealing with the condition much harder.
What benefits can I claim for bipolar? ›
As with other mental health conditions, people with bipolar disorder may be eligible for Social Security Disability benefits. The Social Security Administration (SSA) considers bipolar disorder as one of many mental illnesses that may qualify for benefits.
Is bipolar considered a permanent disability? ›
You can absolutely qualify for long term disability benefits due to bipolar disorder. However, you will need to provide strong evidence to your insurance company of your disabling symptoms to get your claim approved.
What category does bipolar fall under? ›
Bipolar disorder is a category that includes three different condition--bipolar I, bipolar II, and cyclothymic disorder. Bipolar and related disorders are given a chapter of their own in the DSM-5, between depressive disorders and schizophrenia spectrum disorders.
Is $250,000 enough for medical travel insurance? ›
Emergency Medical Evacuation insurance can cover these transportation costs, which can easily rise to tens of thousands of dollars. For most international destinations, we recommend travelers carry $100,000 in Medical Evacuation coverage, and up to $250,000 for cruisers or travelers going to a remote destination.
Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.
What does travel insurance not cover? ›
Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.
What conditions are not covered by travel insurance? ›
Injuries or illnesses which occur during your trip are covered-unless they relate to a pre-existing injury or illness. However, some policies cover some pre-existing injuries or illnesses if you pay a higher premium. There may be exceptions to this such as terminal illnesses, mental disorders and heart conditions.
Why travel insurance claims are denied? ›
The most common reasons for a denied claim include: There's insufficient documentation or evidence to support a claim. These include a lack of receipts, proof of payments or proof of the incident that you're making the claim for, such as a cancellation, necessary medical care or anything else that cost you money.
What is not covered by Allianz travel insurance? ›
Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered (coverage can vary by state.)
Can you get travel insurance if you have mental health issues? ›
There is no reason why travel insurance should not be available to you with many providers offering comprehensive cover. Some more severe mental health conditions may not be covered as standard and will likely require you to speak with a more specialised insurance broker to help you find a suitable policy.
Can you fly if you have bipolar? ›
With the modern management of many psychiatric conditions, air travel should not be a problem for the majority of individuals. It is however essential that the condition is stable and if medication is required it is taken regularly.
Does bipolar disqualify you from life insurance? ›
What Life Insurance Companies Want to Know About Your Diagnosis. A diagnosis of bipolar disorder does not inherently disqualify you from life insurance coverage. You are more likely to be asked for additional information regarding your mental health history.
Does bipolar qualify as a disability? ›
The Americans with Disabilities Act (ADA) classifies bipolar disorder as a disability. The ADA defines a disability as any mental or physical impairment that significantly affects a person's functioning in a major area of life. Bipolar disorder can cause such disruptions.
