Given the concern for pre-existing condition insurance plan for visitors, the common question among elderly travelers is how insurers determine what is considered a pre existing medical condition. No medical examination or doctor’s report is required to purchase short term health insurance.
So, how can they know what is pre-existing? The insurance company will rely on information gathered from the care provider, such as, medications taken, onset of symptoms, etc.
Those travelers with pre-existing conditions have to take extra care while in a foreign country to avoid possible medical emergencies. Visitors with medical history should always purchase a plan with pre-existing medical coverage, otherwise an emergency due to a pre-existing condition may NOT be covered by their insurance.
There are some plans with coverage for acute onset of pre-existing conditions** for all ages. You can compare International health insurance that covers Pre existing conditions and select the one which best suits your unique situation
We clearly explain the policies that provide international health insurance for pre existing conditions coverage and all the terms and conditions that go with it. These insurance plans are ideal for visitors or parents visiting from India.
The best coverage of Pre-existing Conditions can be found with Major Medical plans which are under the Global health insurance section of our website. These plans are ideally suited to someone who wants long term insurance (12 months and above). For more clarifications please refer to the Pre-existing conditions travel insurance FAQ.
Please explain the difference between full coverage for pre-existing conditions and coverage for acute onset of pre-existing conditions by US visitor insurance.
Most of the US visitors insurance plans provide coverage for "Acute Onset of Pre-Existing Conditions**". This basically provides coverage in the event of an existing medical ailment becoming life threatening and needing emergency medical care. This coverage will usually have exclusions for coverage of gradual or slow worsening of the existing ailment.
INF is one of the few companies which offers USA travel insurance plans for visitors to the US with full coverage for pre-existing ailments. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions.
The INF plans treat the pre-existing conditions like any new sicknesses. Prescription Medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions**'. Some of the common pre-existing condition exclusions are:
This also explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment.
Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?
The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions**'Does INF travel insurance really offer coverage for all preexisting conditions?
In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier & INF Elite Network best travel insurance for pre existing conditions.Note: **Both the Premier plan and Elite plan have a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
Compare Best Visitors insurance with pre-existing conditions coverage
There are some USA Covid travel insurance plans available for travel that cover covid19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online. These US covid travel insurance plans are available for visitors to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.
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. Click here to 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.
Travel insurance plans usually cover unexpected or sudden sickness or injuries. Pre-existing condition is a condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required). Some international travel insurance plans offer coverage for acute onset of pre-existing conditions. Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
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I am looking for advice on how to get 3 months of medical insurance for my son while he works in the USA for Americamp. The insurance they provide does not cover an acute onset of a medical condition. He has type 1 diabetes. He would not need prescriptions or any ordinary care as he will be bringing insulin etc with him but I am concerned that if there was to be an incident related to his condition he would not be covered. Please get back to me with any suggestions.Thanks
Hi! You can get insurance to cover what is called "acute onset" of a pre-existing condition. This means that if you have some unexpected emergency due to your pre-existing condition then it should be covered (there are some medical conditions that are excluded from coverage). It depends on the age as to which policies and for how much they will cover you. You can use this link to search suitable plan options for you:Pre-existing coverage
You can get instant quote here by filling this quote form:
Please note that regular medication, treatment, or doctor visits due to a pre-existing condition will not be covered and, of course, the condition must be stable before you travel.
I hope we can find something for your situation. If you want a more specific quote and option, tell us the age as well as your dates of travel and we can make a suggestion for you.
Get free quotes of pre existing visitor medical insurance and compare. Some of the tips for diabetes patients to be healthy. Click here to Read more