Pre-existing conditions coverage FAQ for parents
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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.
No, the visitor insurance plan will not pay for evacuating a customer back to his/her native country if it is for a pre-existing ailment that is not covered by the plan itself. Even if the plan covers pre-existing condition, it will be very specific coverage, and will not cover evacuation to another country.
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.
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.
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.
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.
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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AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ.
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