Autism blog Not long ago i have travelled to Indonesia for work so that as a part of my preparation … and because I enjoy prepare yourself I wanted to organise Holiday insurance. This is my first overseas trip for work since my children had been diagnosed with Autism. They weren’t travelling with me … but I guess I needed it at the back of my head once i was organising my travel cover.
Autism blog I needed thought having the travel insurance ought to be pretty simple … I really could not believe how wrong I had been. A few things i discovered very quicly that while you may think that we now have 1000s of different holiday insurance policies available .. well really that's not true. Actually you can find really on a small number of business offering holiday insurance and underwrite for other manufacturers (more often these days just paste the PDS in the underwritter). And lots of of these aren’t really fans of men and women with Autism … well at least their polices aren’t
So how exactly does creating a child with Autism that's not travelling impact what you can do to get holiday insurance?
I know this might appear to be a bit confusing and never make many sense … however, this is how it functions. In accordance with all of the insurance providers I spoke to Autism will be counted as a “Pre-existing Medical Condition”. Pre-existing Medical ailments of not only the travelling party, but travelling companions and non-travelling relatives have to be considered when getting travel cover.
Why would that make a difference? Well if you need to cancel your vacation and be repatriated quickly due to a thing that pertains to a Pre-existing Medical ailments that might be very costly. That is why you obtain travel insurance. But how can Autism be seen like a potential cause a claim on travel cover. Well after i was speaking with the insurance companies I obtained different responses to how they would think about the following.
Senario - Your youngster ends to the road and gets run over with a car. They're hurt badly and also you must go back home.
Response - All insurance comapnies asserted they'd buy repatriation.
Senario Expanded - Then i asked if this type of could this transformation when it was known the child had autism understanding that one of the facets of their condition was that they had a desire for cars together a broad lack of awareness of road safety.
Response - Mixed. Some declared they might pay, some unsure … a few said not at all.
IMHO travel insurance information mill unfairly (and i also wonder if illegally) discriminating against people who have non-travelling relatives with Autism. Many don’t or won’t provide coverage for autism and potentially will twist what to extend unreasonably the effect on autism to pay well just about anything. Case wrong.