So you have read enough about pre-existing conditions, and did not find any plan which actually covers pre-existing conditions. It is true that majority of the aged people traveling to USA or abroad do have some form of pre-existing conditions, but unfortunately there is almost no visitor medical insurance plan which fully covers pre-existing conditions.
Our users/customer often ask - “Is it worth to to buy visitor health insurance if pre-existing conditions are not covered?" This question is quite obvious from a buyers perspective, but think broadly and be practical. Not all health issues are due to pre-existing conditions. The probability of any health hazard due to pre-existing condition in most cases is 5 to 10%, but what about the rest 90%. Lets not kid yourself; you surely need a health insurance to protect yourself from big expenses.
Lets us share our experience what we have been hearing from customers, there are two major health risk for visitors coming to USA
- Number 1 and most common General Sickness/illness due to change of weather; food habits etc.
- Accidents, since the traveler will be making road trips within USA.
And there are many other unforeseen health problems.
Having the health insurance can surely give you the peace of mind to relax and enjoy your vacation or business trip.
Is there any solution for Visitors with Pre-existing conditions?
The most common pre-existing conditions we hear are Blood pressure and Diabetes. Though People with these conditions can be in good and stable conditions but may dependent on medicines, insulin or regular checkup.
While it is true that, pre-existing conditions might not be covered, however there are certain ways you can prevent/control and take precautions to avoid and prepare yourself for such situation where a pre-existing condition might not take toll on you.
Here are few common and proven tips:
- First of all must buy a good Visitor Medical Insurance Plan. Prefer a comprehensive PPO kind of coverage like Liaison International.
- Get a thorough and complete medical checkup done before you travel to USA. This will be very useful to bring up any hidden medical issue if any. This also gives you a peace of mind to travel worry free and prepared.
- Carry a sufficient amount of medicines from your home country.
- People with High-blood pressure and/or Diabetes consider buying self measuring equipments .These do not cost a lot but this will be very useful for home use. The Price range for these varies from $15 to $100 or so. Children inviting their parents to USA can buy these from any local electronics shops or on the internet. Did know that you can even get your medicines from your home country via regular mail (Except any controlled drugs) .
- Pay attention to your eating habits, must do some walk/exercise, make some friends around, keep measuring your blood pressure and sugar on regular basis.
- For children who are Host: Do not make hectic travel plans, make sure you ask your parents from time to time if they are OK or have any problem, or they are comfortable enough. Parents Don’t be offended to take instructions from your children or the younger generation; it is for your own well-being and safety.
Inbound Hospital
- Covers Pre-Exisiting Conditions for Heart Related Problems for Emergancy Hospital Services Only.
(Applicant with Heart related Problems may consider buying this Plan as an additonal plan to covers themself)
Click here for more details |
I am sure if you follow these, you will have a better control on your health problems and have a pleasant travel and stay in USA.
Read : - Handling bills for services not covered by your insurance policy.
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