FAQs related to Pre-existing conditions coverage for parents travelling overseas

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No the cost of these regular medications will not be covered. It is recommended that you carry adequate medications required for regular use when travelling outside your familiar home country conditions.

My father-in-law is in the US and suffers from diabetes and he needs a treatment. Will the insurance company pay costs for sending back to native country in order to undergo pre-existing conditions treatment?

My mother suffers from a heart treatment and I would like to bring my mother to the USA to get her medical treatment done. Will these medical costs be covered under visitor medical insurance?

No , none of the planned medical expenses for pre-existing conditions will be covered by any visitor insurance plans. If your mother has a heart pre-existing condition , it will be excluded by the visitor insurance plan coverage. The plans that provide pre-existing coverage do so for acute onset of existing conditions and have very specific limitations for their coverage. Please review the policy brochure for more details. Access more information and brochures using our plans comparison tool.

Is pregnancy covered under pre-existing conditions?

There is very limited coverage for pre-existing conditions and very little coverage for maternity offered for visitors to the US. However there are some insurance plans designed by select insurance providers in the USA that provide limited cover for visitors to the US for pregnancy and maternity related treatments. Pregnant women can consider these plans for financial requirements that arise during pregnancy in a foreign land. Maternity and Pregnancy visitor insurance plans can be purchased prior to the start of one's journey to avail effective coverage while abroad.

Can I invite my parents to the US if they have pre-existing conditions. What are my options in this situation?

Given the high cost of healthcare in the US, there is no solution that provides full coverage for pre-existing conditions. However the visitor insurance plans that do cover pre-existing conditions so do so for acute onset of existing conditions and have very specific limitations for their coverage. Please review the policy brochure for more details. The policy brochures can be accessed through our pre-existing coverage visitor insurance comparison tool.

Once in a week my father-in-law needs to go for kidney dialysis. Will these medicines costs be covered under visitor medical insurance?

No, regularly required medical expenses for pre-existing conditions will be covered by any visitor insurance plans. If your father-in-law has a kidney pre-existing condition which needs planned regular dialysis, this will not be covered by the visitor insurance plan coverage. The plans that provide pre-existing coverage do so for acute onset of existing conditions and have very specific limitations for their coverage. Please review the policy brochure for more details. The policy brochures can be accessed through our pre-existing coverage visitor insurance comparison tool.

My mother-in-law had a heart attack 5 years back. If she again gets heart related problems, will that be covered under visitor health insurance?

The most importance factor determining the coverage will be the attending physicians statement should your mother-in-law need medical care for a heart problem while she is visiting the US. The doctors report will indicate if this treatment was due to the old heart problem or not. The insurance company will also consider If she is currently undergoing any regular medical treatment then it will be considered as a pre-existing condition and the visitor insurance will not cover it.

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