Visitor Health Insurance for travellers with Diabetes as a pre-existing condition

Visitor Health Insurance for travellers with Diabetes as a pre-existing condition
Diabetes commonly referred by doctors with the medical terminology Diabetes Mellitus is a disease where the person has high blood sugar level either due to body’s inability to produce adequate insulin or the body cells do not respond to insulin properly. Initial symptoms include frequent urination, increase in thirst and hunger.

In 2013 it was estimated that around 382 million people in the world had diabetes.

There are 3 types of Diabetes:
  • Type 1 Diabetes: This type of Diabetes affects approximately 10% of the population. In this type, body does not produce insulin. People with Type 1 diabetes have to take insulin injections for the rest of their life.
  • Type 2 Diabetes: In this type body does not produce enough insulin. This type affects 90% of the population.
  • Gestational Diabetes: This affects the females during their pregnancy.
Patients with Diabetes have high risk of heart diseases and hence they need to ensure the blood pressure and cholesterol levels are monitored and maintained. Diabetes is primarily self- managed disease. This include usage of supplies like a test strips, meters and insulin.

People with diabetes who are traveling abroad are often concerned about coverage for diabetes as it is treated as a pre- existing condition. In the US, it was earlier virtually impossible to get health insurance for diabetes but after the Affordable Care Act was passed in 2010, the availability for health insurance has been made easier and affordable for individuals with existing ailments. However the Affordable care act is only applicable to domestic health insurance covering US citizens and US residents, it does not impact travellers who are visiting the US. It is therefore all the more important to know the coverage offered by Visitor insurance for travellers with Diabetes visiting the USA.

Travelers should be aware that visitor insurance plans will not provide any coverage for preventive care, or for regular treatment for an existing ailment. For example in the care of a diabetes patient, visitor insurance will not pay for insulin that a traveller is already using before he or she started this travel.

Here are few of the comprehensive visitor insurance plans along with details of their coverage for a pre-existing condition such as diabetes:
  • Atlas America: If you are younger than 70, you may be covered for an acute onset of a pre-existing condition. Atlas Travel provides a limited benefit up to the medical coverage maximum lifetime for eligible medical expenses. This also includes a $25,000 lifetime maximum for emergency medical evacuation. An acute onset of a preexisting condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
  • Patriot America Plus: This plan covers the acute onset of pre-existing conditions up to age 70 for Non US citizens. The benefit for this is URC which is Usual, Reasonable and Customary charges for that geographical area. For pre-existing condition emergency medical evacuation, this plan covers up to $25,000 medical maximum.
  • Liaison Travel Economy: Waiver of pre-existing conditions for US citizens up to $25,000 for up to age 70 and for people above 70 up to $5,000. Acute onset of pre-existing condition for Non US under age 70 is up to $15,000 or $2,500 if over, but both groups are limited in emergency services and assistance to $25,000."

Ask me a Question ?

Find out more about Pre-existing condition visitors insurance
Frequently asked questions?
Simply put, a pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Read more.
No , there are no medical tests required for purchasing visitor travel insurance to usa with pre existing conditions.
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for acute onset of pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
Many people, although healthy and able to travel, particularly older travelers take medications for certain medical conditions. While these conditions can be called "normal" for a person of their age, not all people have these conditions and they will be classified as "pre-existing" by an insurance company. If you do NOT have coverage for it, then the policy will pay $0 for any incident of it, emergency or not. The coverage you can get is limited to "acute onset" of a pre-existing condition which can cover an unexpected life-threatening emergency of the condition which would then give you as complete coverage as you could get for your travels or visitor. This is why we offer some options with this coverage for nearly all ages of travelers. For more information, go here.
More visitors insurance for pre existing conditions FAQ's

Visitors Insurance Covering Pre-existing Conditions - Article

Insurance Coverage for older travelers with Pre-existing Conditions

Read more »

Pre-Existing conditions insurance for visitors - Review

Best of the Best Coverage for Pre-existing Medical Conditions

Read more »
Visitor insurance with pre-existing coverage

Get quote for visitor medical insurance with pre-existing coverage.

Read More »
Best pre-existing coverage plans

Popular pre-existing conditions for visitors to the USA plans which have coverage for pre-existing conditions.

Read More »
Compare visitor pre-existing plans

Compare pre-existing conditions insurance plans for US visitors and buy the best plan.

Read More »

Resourceful visitors insurance for pre existing conditions information


Pre existing conditions insurance resources

Choose visitors medical insurance with pre existing conditions for travel emergency while outside your home country.

 Know more

Factors for travel insurance with pre existing conditions

Important factors to consider while deciding on the best vvisitors medical insurance with pre existing conditions.

 Know more

Types of travel insurance for pre existing conditions

Understanding different types of Pre-Existing Conditions Insurance Plans for US Visitors, fixed benefits vs comprehensive coverage.

 Know more
Claims Procedure

Travel insurance for pre existing conditions claims procedure

Visitors insurance covering pre-existing conditions claims process for getting medical care in a hospital.

 Know more

Posted On

Leave a Comment

Welcome to American Visitor Insurance  -  Online Chat
Name is required
Email is required Email is invalid
Contact is required