World Health Day is the perfect opportunity to address a topic that particularly affects travelers: stress. Between last-minute preparations, fear of flying, or health concerns while traveling, stress can quickly turn the excitement of a trip into a source of anxiety.
When planning a trip abroad, especially for long periods, it is crucial to ensure that you have adequate coverage in case of a medical emergency. If you have pre-existing medical conditions, the concept of medical stability is key to being properly protected.
But what does medical stability mean, and how can you tell if your condition is stable? Discover everything you need to know with the help of Tour+Med’s exclusive stability calculator.
What is Medical Stability?
Medical stability is a principle used by insurers to determine if a pre-existing medical condition is ‘’sufficiently under control’’’ to be covered during your trip. Simply put, a condition is considered stable if it has not required any changes to your treatment, any adjustments to your medication, if no new symptoms have occurred, or if no recommendations have been made, within a given period before your departure.
For example: If you have diabetes and there have been no changes to your treatment or complications in the 2 months prior to your trip, your condition may be considered stable by your insurer. However, if your medication dosage or frequency was altered during those 2 months, your condition would be deemed unstable by the insurer, and it would be excluded from coverage during your trip.
Why Is Stability So Important?
If a medical condition is not stable at the time of your departure, the costs related to that condition may not be covered by your insurance in the event of an emergency. This means you could face significant medical expenses if you require care for that condition during your trip.
Tip: Before you travel, make sure you fully understand whether your condition is considered stable according to your insurer’s criteria.
How to Calculate the Stability of Your Condition?
Tour+Med offers a simple and easy-to-use stability calculator. This tool allows you to check if your condition is stable, considering the period defined by your insurance (for example, 2, 3, or 6 months before your trip).
How to Use Tour+Med’s Stability Calculator?
1. Access the stability calculator button on our website.
2. Answer a few quick questions about your recent medical history.
3. Get an instant result on the stability of your condition, which will help you make an informed decision before purchasing your insurance.
Possible Scenario: John, a Snowbird, suffers from high blood pressure. Before heading to Florida, he uses the stability calculator. Thanks to the calculator, he discovers that a recent adjustment to his treatment makes his condition unstable. He decides to delay his trip by a few weeks to meet the insurer’s required stability period, ensuring that he will be covered for this condition during his trip.
Conclusion :
Medical stability is a crucial factor for the insurance company when analyzing claims. Make sure you are properly covered during your trip, especially if you have a pre-existing condition.
With Tour+Med’s stability calculator, you can quickly verify whether your pre-existing condition meets the insurer’s stability requirement, ensuring that it is covered during your trip. Take a few minutes to check the stability of your condition and travel with peace of mind!
What is Stress and Why is it Harmful to Health?
Le stress : une réaction naturelle du corps
Stress is a physiological response of the body to a perceived threat. It triggers the release of hormones such as cortisol and adrenaline, designed to prepare the body for rapid reactions. While this mechanism is useful in the short term, prolonged stress can have harmful effects on health.
The Consequences of Chronic Stress on the Body
When stress becomes chronic, it affects various bodily systems:
- Cardiovascular health: increased blood pressure, higher risk of heart attack and stroke.
- Immune system: weakened natural defenses, making the body more vulnerable to infections.
- Digestive system: heartburn, ulcers, and intestinal disorders.
- Mental health: anxiety, depression, insomnia, and emotional exhaustion.
How to Reduce Stress to Preserve Your Health?
Effective Techniques to Better Manage Stress
- Meditation and cardiac coherence: deep breathing helps calm the nervous system.
- Regular physical activity: releases endorphins, the feel-good hormones.
- Healthy and balanced diet: reducing caffeine, consuming omega-3s and antioxidants.
- Quality sleep: sufficient rest helps you better handle stressful situations.
- Relaxation moments: reading, music, creative hobbies, and nature contribute to better mental balance.
Travel Insurance: Your Best Anti-Stress Tool
Nothing reduces a traveler’s stress more effectively than the certainty of being well protected. With Tour+Med travel insurance, you benefit from:
- Comprehensive medical coverage abroad for stress-free travel.
- 24/7 assistance in English and French, wherever you are.
- Coverage for emergency medical expenses, avoiding unpleasant surprises.
- Protection in case of trip cancellation or interruption, to handle unexpected events.
Travel with confidence. We take care of the rest!
Conclusion: Happy World Health Day… and Happy Travels!
On this World Health Day 2025, make a resolution to travel more peacefully. By applying these tips and choosing suitable travel insurance, you can turn stress into positive energy for more enjoyable and secure journeys.
Ready to travel worry-free? Discover our tailor-made travel insurance solutions now at https://tourmed.ca/en/travel-insurance/plans-and-protections/.
