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One Surprising Thing That Travel Insurance Doesn’t Cover

It’s easy to see a broken bone, but it’s harder to prove you’re feeling too distraught to travel. So if you or a loved one has ever struggled with mental illness, don’t count on travel insurance being there to reimburse you if your condition adversely affects your trip.

Two recent articles by NPR and Consumerist offer a cautionary tale about a couple who was refused coverage for a canceled trip due to their son’s mental health emergency (after a medication change, his doctor suggested that he not be left alone). Despite a letter of support from the psychiatrist, the couple was denied their $1,800 claim.

Travel insurance is not included under the Mental Health Parity Act and Affordable Care Act, which now mandates that health plans must cover preventive services like depression screening for adults and behavioral assessments for children at no cost, and that most plans won’t be able to deny coverage or charge more due to pre-existing health conditions, including mental illnesses. In fact, on the CDC’s website it says to be aware of “exclusions regarding psychiatric emergencies or injuries related to terrorist attacks or acts of war” when purchasing travel insurance. That means that unless your ailment is physical in nature, don’t expect anything in return for your turmoil from travel insurance.

According to NPR, the National Alliance on Mental Illness has received about 10 complaints about travel insurance discrimination over the past year. Travel insurance is state-regulated, so policies, fine print and subtleties will vary across the U.S. Some states flat-out do not offer mental health coverage or consider it a pre-existing condition. Options at this time seem limited for anyone who struggles with bouts of anxiety, depression or even loved ones who may require additional care.

To me, the stigma attached to mental illness reflects an outdated taboo about real disorders and serious conditions that affect one in four adults in the U.S., according to the National Institute of Mental Health. In my opinion it is discrimination, and coverage should extend to families who cope with mental health issues as much as it extends to physical ailments. Everyone deserves to travel and not worry about the consequences if they can’t.

What are your thoughts about travel insurance coverage for mental illness? Have you experienced a similar issue with coverage?

— written by Brittany Chrusciel

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