- Visitor insurance with pre-existing coverage
Coverage for persons with pre-existing conditions
Travelers who already have existing medical ailments need to be aware of the limitations of travel medical insurance
coverage, and seek to buy plans that specifically offer some coverage for pre-existing conditions. The US is known for it's expensive healthcare system for visitors
. The cost of routine physician visit is very expensive in the US. The common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $25,000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000 in 2018. There are visitor insurance plans from INF cover these pre-existing medical ailments
. Insurance customers who are looking for these plans should understand the coverage by referring to the details given below.
How does the insurer determine pre-existing condition?
The most important question asked by customers and the interpretation of pre-existing conditions can vary slightly from insurer to insurer. The generic answer for this question is that, pre-existing condition is a medical condition which the customer already has before purchasing the travel insurance plan. This condition may be diagnosed or may be even unknown to the traveler.