Travel & Holiday Medical Insurance for Mental Health Conditions (2024)

FAQs

Travel & Holiday Medical Insurance for Mental Health Conditions? ›

Travelers

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.

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

That means you can choose to include or exclude these conditions on your policy, providing the anxiety is not medically linked to another pre-existing condition. Please note there is no cover for suicide or self harm on any policy. If you aren't insured for your anxiety, your policy may become invalid.

Pre-existing mental and behavioral health conditions are covered, and spending limits aren't allowed. Marketplace plans can't deny you coverage or charge you more just because you have any pre-existing condition, including mental health and substance use disorder conditions.

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.

No Limits is an online travel insurance provider, specialising in providing peace of mind to holidaymakers with various pre-existing medical conditions.

Cost: Travel insurance will add to the overall cost of your trip. Some may choose to forgo it to save money, especially on shorter or less expensive trips. Exclusions and Limitations: Policies may have various exclusions and limitations, so it's essential to read the fine print.

Is there a difference between travel insurance and travel health insurance? ›

Travel insurance provides cover for emergency treatment while you're abroad for a shorter period. International health insurance, on the other hand, provides comprehensive healthcare for those relocating from their home country for a sustained period.

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.

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.)

Pre-existing medical conditions, including mental illnesses such as depression, can increase the premium of your Travel Insurance. However, premiums are not based on this alone. Policies are tailored to you based on your medical history, destination, duration, and age.

We offer policies designed specifically for people with existing health conditions, including bipolar disorder*. There are plenty of other reasons to choose Free Spirit too: No upper age limit on single trip policies. A choice of two cover options: 'Super' and 'Super Duper' – click here for details.

Under the Affordable Care Act

Your mental health is just as important as your physical health. That's why federal law, under the Affordable Care Act (ACA), says that mental and behavioral health services are essential health benefits that must be covered.

Travel-related stress can spark mood changes, depression, and anxiety. Travel can worsen symptoms in people with existing mental illness. Below are some steps you can take before and during travel that may help reduce stress and protect your mental health.

Do you have to declare antidepressants on Travel Insurance? Yes, when applying for Travel Insurance, declare any pre-existing medical conditions, including mental health conditions for which you are taking medication, such as antidepressants.

Conclusions. Most people with mental disorders travel uneventfully, but in some cases psychiatric evaluation is necessary. Airport medical services may be able to provide valuable assistance.