Florida · Lost medication
Lost, stolen or damaged medication in Florida
Bags get left at theme parks, luggage goes missing at the airport and floodwater ruins medicine cabinets. Here's how to get back on track.
Step 1: call your pharmacy
- If refills remain, ask the pharmacist to request a lost or damaged medication override from your insurer
- If the insurer says no, ask for the cash price of a short supply; generics are often inexpensive
- If you're traveling, a chain pharmacy near you may be able to transfer your prescription from your home store
Step 2: if there are no refills, or no transfer is possible
Contact your prescriber. If they can't be reached or you're away from home, request a $39 refill review. A photo of your old label speeds things up a lot.
Damaged in a storm or flood
Medicine soaked in floodwater, or insulin exposed to extreme heat, shouldn't be used. During a hurricane warning or declared state of emergency, Florida's early-refill law requires insurers to cover replacement refills. See hurricane season and your medications.
Prevent it next time
- Carry medicines in your carry-on bag in their original labeled containers when you fly or cruise
- Keep photos of every label on your phone
- Bring a few extra days' supply on any trip
Common questions
Do I need a police report for stolen medication?
Not usually for non-controlled medicines. Some insurers ask for one before covering an early refill; ask your pharmacy. Controlled medicines have stricter rules, and we don't prescribe them.
My suitcase with my medicine was lost by the airline. What should I do?
Call a nearby pharmacy, ideally the same chain you use at home, about transferring your prescription. If that isn't possible and you're physically in Florida, request a refill review.
Will insurance pay for a replacement?
Sometimes. Many plans allow a lost-medication or vacation override once in a while. If not, ask for the cash price.