Most of the US visitors insurance plans provide coverage for "Acute Onset of Pre-Existing Conditions**". This is insurance coverage when an existing medical ailment becoming life threatening and needs emergency medical care. This coverage will have exclusions for coverage of gradual or slow worsening of the existing ailment which are not life threatening.
INF is one of the few US travel insurance companies offering visitor travel insurance to the US, Canada or Mexico with full coverage for pre-existing ailments. INF offers the best US travel insurance for pre-existing medical conditions with full Pre-existing conditions coverage. INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits and anything related to pre-existing conditions.
Since the INF plans treat 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 common pre-existing condition exclusions are:
This additional coverage 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
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 guaranteed coverage explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions**'
Even though it is hard to believe, the answer is Yes. INF insurance does cover any pre-existing conditions ranging from Diabetes, Blood pressure, Arthritis and diseases due to Kidney complications. These medical conditions are all covered by the INF Premier & INF Elite travel insurance for preexisting conditions.
Any form of travel can be challenging if one is suffering from Arthritis. Irrespective of whether one is suffering from rheumatoid arthritis, osteoarthritis or psoriatic arthritis, handling baggage, being cramped during a long flight, or having to walk long distances during the journey can all be challenging.
It can be particularly difficult if there is an emergency involving hospitalization of requiring any emergency treatment. Most travel insurance plans will not cover for treatment to existing medical situation, however some travel insurance plans do cover acute onset of a medical condition. It is important to understand the travel insurance coverage details for pre-existing conditions.
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No. When you purchase any of our travel insurance plans, they offer guaranteed coverage with no medical questions. However, be aware that they all exclude pre-existing medical conditions. So, please take any medications you use regularly or for flare ups of your conditions since these will not be covered by travel insurance.
As far as I know, arthritis cannot lead to a life-threatening situation, so will be excluded from coverage by short-term travel policies. If you are a frequent traveler and want major medical coverage in any country to which you travel, you can opt for global medical policies which will (after the first year, generally) cover all aspects of health costs.
You can Compare and buy Global health insurance policies. To apply for these policies, you will have to reveal your entire medical history and you are not guaranteed coverage. The application must go through underwriting and you can be approved, rejected, or approved with exclusions. In any case, you can opt out of the policy 10 days from your approval for no cost to you or simply reject the exclusions they require on the policy.
Note that these policies are best for people who want health insurance for a whole year, or better, longer. Once you are approved on the plan, you are guaranteed coverage yea after year and the price is determined by your age group, not your individual medical history. So, in the case of a global medical insurance application, you would have to declare your arthritis on the application and you may or may not be covered for that illness by the policy they offer you.
No. Travel health insurance is meant to cover a sudden illness or accident, such as you get a stomach flu or you twist or break your ankle. Since arthritis is not a life-threatening illness, it will not be covered by a short-term travel plan. Should you require regular medications or ointments, you should bring them or purchase ointments available in the visiting country for your condition.
Some countries may not require prescriptions to purchase medications.
However, you should be cautious in using a new medication since there may be side-effects of concern. You may want to stick to what you know or consult with your own physician if you can.
Yes. Any medical condition you have been diagnosed with or are being treated for will be considered pre-existing to a new travel policy. If you take regular medication for your condition, this will not be covered by the policy. However, should you, for example, have an accident and break a bone, this would be covered even if your condition may have made you a little more vulnerable to the break (unless you were being particularly reckless).
Accidents are generally always covered (car accidents are more complicated because if you were not at fault, the driver's insurance may cover part of your injuries) unless caused by intoxication.
So, even if you have osteoarthritis or some other pre-existing condition, you are still eligible for coverage by a travel insurance policy which will protect you from sudden illness or accident/injury while you are on your trip.
Absolutely, yes! Travel insurance is meant to cover you in the unlikely event of a sudden illness or accident while you are on your trip. Even if you have a pre-existing condition that complicates treatment, that is not relevant to the coverage for an unexpected illness or injury. Naturally, your pre-existing conditions themselves are excluded from coverage, so you should pack as much medication as you will comfortably need for your trip.
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