The short answer is yes. When you run a travel insurance quote with us, you'll be asked to provide details of any pre-existing medical conditions, including whether you've ever suffered a stroke.
If you've had a stroke, you might be quoted a higher premium than would otherwise be the case.
Is a stroke considered a pre-existing condition?
It could exclude all other conditions that developed as a result of your pre-existing condition. For example, if your excluded pre-existing condition was high blood pressure and you had a stroke as a result of your high blood pressure, the health insurance company might refuse to pay for your stroke treatment.
Can I fly if I've had a stroke?
It is recommended that you wait at least two weeks after a stroke to fly
. Symptoms are generally the most intense during the first two weeks following a stroke, and new symptoms may arise, so it is best to avoid flying during this time period (1).
What is not covered by travel insurance?
Baggage delay, damage, and loss
policies don't cover everything in your bags. Common travel insurance exclusions include glasses, hearing aids, dental bridges, tickets, passports, keys, cash, and cell phones.
What benefits can you claim if you have had a stroke?
If you're unable to work for at least 12 months after your stroke, you can file a claim for
Social Security disability benefits
. To be eligible, you must provide proof of your stroke as described in the Neurological Impairment section of the Social Security Administration's Blue Book.
How much does it cost to treat stroke?
According to the Journal of Stroke and Cerebrovascular Diseases, the average cost of hospital stay for a stroke patient ranges from
$20,396 to $43,652
.
Does Flying increase stroke risk?
Air travel increases the risk of developing blood clots in the veins of the legs, which can then enter the bloodstream and block an artery in the lungs, a condition called pulmonary embolism.
In some cases, the opening can allow the blood clot to enter the arteries of the brain, causing a stroke
.
Can insurance companies deny coverage for preexisting conditions?
Health insurance companies cannot refuse coverage
or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.
What medical conditions do you have to declare for travel insurance?
Common conditions that need to be declared
Medical conditions that you will need to declare to claim travel insurance range from
high cholesterol to cancer, and also include conditions or diagnoses that have recently occurred, such as a heart attack or stroke
.
How soon after a stroke can you drive?
Many guidelines for driving after a mild stroke recommend waiting
at least one month
and getting cleared by a medical professional before trying to drive again. This allows your brain enough time to heal. However, for those who have suffered a massive stroke, the wait will be longer.
How long should you be off work after a stroke?
Although impairments after a stroke and recovery time can vary, a stroke survivor may need an extended period of time to recover before returning to work, according to some experts. “For some people, it may take them
six to eight months
to recover,” Trierweiler said. “Employers often aren't aware it may take that long.
Can you recover from a mini-stroke?
Mini strokes resolve quickly and lead to a full recovery
. However, while mini strokes themselves are not life-threatening events, they are a warning sign of a more serious stroke in the near future. Therefore, patients who experience a TIA should take immediate steps to address any stroke risk factors they may have.
What does most travel insurance cover?
Most travel insurance plans cover
medical emergencies, trip cancellation, trip interruption, delays, medical evacuation, and lost, damaged, or stolen luggage
.
Do travel insurance check medical records?
When you buy a travel insurance policy,
it's normal procedure for your insurance provider to ask you for medical information
. The information supplied by you will be used by underwriters to work out the level of risk.
Does travel insurance cover death?
How travel insurance helps with family death. Here's how travel insurance works when a death occurs in the family:
If you have to cancel an insured trip because a family member unexpectedly dies, travel insurance will reimburse you for your pre-paid trip expenses
.
Is having a stroke considered a disability?
A stroke does qualify for disability from the Social Security Administration
. In order for a stroke to qualify for disability, it needs to meet the medical listing outlined by the SSA and be severe enough that you will be out of work for at least 12 months.
Is a mini stroke considered a disability?
A transient ischemic attack, TIA or a “mini stroke,”
can lead to serious disability
, but is frequently deemed by doctors too mild to treat, according to a study in the American Heart Association journal Stroke.
Can you get a blue badge if you have had a stroke?
Even if the person who had the stroke is not the driver, they must be in the car with you if you are using the blue badge
. If you are a carer on your own in the car and you do not have a disability you should not use the blue badge or a designated disabled parking space when parking.
What is the average age of a stroke victim?
The figures show that 38% of people suffering strokes are middle aged (40-69) – up from 33% a decade ago.
The average age for a woman suffering a stroke has dropped from 75 to 73 and for men it has dropped from 71 to 68
.
What time of day do most strokes occur?
The highest risk is found
between 8:01 AM and noon
(a 45% [95% CI, 38% to 52%] increase compared with what would have been expected if there were no circadian variation in stroke onset and a 59% [95% CI, 51% to 68%] increase compared with the normalized rate for the remaining 20 hours of the day); the lowest is found …
How long are you in hospital for after a stroke?
The typical length of a hospital stay after a stroke is
five to seven days
. During this time, the stroke care team will evaluate the effects of the stroke, which will determine the rehabilitation plan.
How soon can you fly after a mini stroke?
Most carriers advise NOT to fly until
10 days after a TIA, or 21 days after a stroke
. Some airlines recommend waiting until 3 months after a stroke, if it has left you with some residual symptoms.
Can you fly with a blood clot in your brain?
Can you Fly on a Plane with a Blood Clot? If you have been diagnosed with a blood clot or only just recently recovered from a blood clot or a condition like deep vein thrombosis,
it is not recommended that you fly immediately as this activity could make the condition worse
.
What are the three types of strokes?
- Ischemic stroke.
- Hemorrhagic stroke.
- Transient ischemic attack (a warning or “mini-stroke”).
Will pre existing conditions be covered in 2020?
Yes. Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition”
— that is, a health problem you had before the date that new health coverage starts.
What counts as pre-existing condition?
Preexisting condition is a term that refers to
a known illness, injury, or health condition that existed before someone enrolls in or begins receiving health or life insurance
. This includes illnesses such as heart disease, diabetes, cancer, and asthma.
What is acute onset of pre existing conditions?
An acute onset of a pre-existing condition is defined as
a sudden and unexpected medical episode related to a pre-existing condition
. To be classified as acute onset, the medical event must occur spontaneously and without advance warning (either confirmed by a physician or by the obvious presence of symptoms).
