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Acute onset of a pre-existing conditions are often not covered by travel insurance. They provide coverage through the acute onset of a pre-existing condition benefit. It is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously and without advance warning in the form of physician recommendations or symptoms and requires urgent care.
It is any medical condition, sickness, injury, illness, disease, mental illness or mental or nervous disorder, including congenital, chronic, subsequent, or recurring complications or related consequences or resulting consequences that existed with reasonable medical certainty when you bought the plan or any time in the 36 months before your coverage on this plan began, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed.
This includes, but is not limited to, any medical condition, sickness, injury, illness, disease, mental illness, or mental or nervous disorder for which medical advice, diagnosis, care, or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 months immediately preceding the start date of this plan.
The plan has an optional coverage for Hazardous Activities. If you plan to participate in more adventurous activities when you travel, consider buying this optional coverage.
Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country.
The answer is quite simple — your domestic health insurance at home may not cover you when you travel overseas outside your home country. This will make you responsible for any medical bills if you fall sick or get hurt on your trip. Whether it is for short trips or for extended stays with family, traveling to United States and Canada without medical insurance is extremely risky. The US health care system while most sophisticated is complex, and if you are caught in a medical situation without good travel health insurance, the cost can be prohibitive.