A pre-existing condition is a medical ailment that existed before the start of the visitors insurance cover. One of the biggest concerns for travelers is to find good visitor insurance with Pre-existing conditions coverage, this is particularly important for older travelers and parents. Generally not all visitors insurance offer coverage for pre-existing ailments. Some travel health insurance plans offer coverage after the first year of coverage or a waiting period. Global long term insurance offer major medical coverage after the first year and also provide coverage for pre-existing conditions. Here we present resourceful information about short term visitor medical insurance coverage for acute onset of Pre-existing ailments.
Compare the best visitors insurance for acute onset of pre-existing conditions
How do insurance companies determine pre-existing conditions?
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.
The general definition of 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).
Precautions for travelers with pre-existing conditions
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 the plans and select the one which best suits your unique situation.
Best long term travel insurance for pre-existing conditions in USA
We clearly explain the policies that provide coverage for pre-existing conditions 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 FAQ.
Find out more about Pre-existing condition visitors insurance
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. Read more.
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.
To ensure that any travel and stay in a foreign country is hassle free and memorable travelers should buy proper visitor medical insurance. Visitor travel health insurance can prevent stress by providing good medical cover for unexpected sickness and injury. We come across many travelers especially older travelers, who along with visitor insurance are suffering from existing medical ailments. In other words they need coverage for acute onset of an pre-existing medical condition. Read more.