Short term visitor medical insurance plans are designed to protect against sudden accidents or illnesses and usually do not include benefits for preventive care, immunizations, dental or vision care. These Short term plans also do not cover pre-existing medical ailments. However the plans displayed in this page do provide some coverage for acute onset of pre-existing conditions. Acute onset 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.
Acute Onset of a Pre-existing Condition - up to policy maximum for age up to 69 years, $35,000 for age 70-79 years, $15,000 for age 80-89 per policy period subject to the sub limits as mentioned ( any coverage related to cardiac disease or conditions is limited to $25,000 for age up to 69 years, $15,000 for age 70 years and above)
This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing condition.
Maximum Lifetime Limit for Emergency Medical Evacuation of $25,000
The plan pays, up to $1,000 for the chosen deductible and coinsurance for covered medical expenses resulting from a sudden, unexpected recurrence of a pre-existing condition
while traveling outside the home country.
The plan pays $1,000 subjected to chosen deductible and coinsurance of covered medical expenses resulting from a sudden, unexpected recurrence of a pre-existing condition while traveling outside the 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. Read more.
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.