Visitor Insurance for Pre-existing conditions
Visitor insurance is necessary when traveling to the US or Canada given the high costs of medical care in these countries. However while purchasing visitors insurance, it is important to be aware of all details of the insurance plan, in particular any exclusions or limitations.
Visitors insurance usually will not cover preventive care or cost of treatment for pre-existing conditions. Visitors are usually not sure of the definition of pre-existing conditions. Even though, different insurers can vary on their interpretation of pre-existing ailments, given below is a definition that will be accepted by most insurance companies definition of a pre-existing ailment.
Definition of Pre-existing condition
A Pre-existing Condition is any illness, injury or mental or nervous disorder that, with reasonable medical certainty, existed on or at any time prior to the initial effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated or disclosed on the application or on any claim form or otherwise, including any chronic, subsequent or recurring complications or consequences associated therewith or arising or resulting therefrom.
It is always recommended that you look at the policy brochure for the specific definition of clauses such as pre-existing ailments for given products.
There are a few plans that provide some limited coverage for pre-existing conditions. We have developed a utility which will allow you to get quotes and gives specific details of pre-existing condition coverage. Please use our Pre-existing condition coverage insurance comparison tool.