Visitors Medical Insurance for parents with pre-existing conditions

International travel has become a fairly very common activity today with people from different age groups traveling across countries while wanting to create memorable memories depending on the occasion. People even in their 60s and 70s travel quite often outside their home country. This might not be such an easy decision for some, given the concerns of safety and health. Given that at this age, travelers cannot take their health for granted it is important to take travel insurance for parents while traveling long distances.

Let us look at the situation of elderly parents visiting the US to see the future generation of their family and to spend some with them . They normally are in the age range of 55 onwards. This is the time when people develop certain health conditions depending on their busy lifestyle and other factors.

This indicates the possibility of an existent health condition commonly known as pre-existing conditions. Visitor health insurance plans are available in the market but it is important to choose a plan carefully with sufficient coverage for existing medical conditions. An extremely important point to note is that the coverage for pre-existing condition is available only for the acute onset of the pre-existing condition. Any prescription medication or any kind of routine checkup or maintenance work that is associated with the condition, will not be covered. The visitors medical insurance coverage for acute onset of pre-existing condition varies with the age. It is available to its maximum limit up to the age of 65 or 70 after which it reduces in some plans and is excluded in others.

Most people are not very clear about the meaning of the pre-existing condition. It is a health condition that the person has already been diagnosed with before the insurance becomes effective. Insurance companies use "look back " period for determining if the condition is pre-existing or not.