Though the majority of travel medical insurance plans do not provide coverage for pre-existing conditions, people with pre-existing conditions should not be deterred from following their dreams and traveling the world.
In the insurance industry, a pre-existing medical condition is defined as a medical condition, diagnosed or undiagnosed, that existed in a person before the insurance policy became effective. If a person is taking medication and/or being treated for an ailment, this qualifies as a pre-existing condition. Pre-existing conditions can vary widely from diabetes and heart conditions to asthma and chronic pain.
Acute onset of a pre-existing condition is the unexpected and sudden occurrence of a pre-existing condition. Some travel medical insurance plans do provide coverage for acute onset of a pre-existing condition, which means even travelers with health conditions can adventure with peace of mind.
Health history forms, the your doctor’s opinion and lab results all help to determine if a condition will be considered a pre-existing condition.
The five best plans for people with pre-existing conditions are as follows:
A comprehensive insurance plan for non-US citizens, US expats and eligible dependents that provides complete coverage for pre-existing conditions. Doctor’s appointments, lab procedures, specialist care, urgent care visits and hospital stays arising from pre-existing conditions are covered up to the eligible maximum. This is a short-term insurance plan.
For more information on this plan, Pre-Existing Visitors Insurance has details regarding network, policy maximum and deductibles.
With no cancellation fee, this comprehensive coverage plan has an extensive PPO network within United Health and provides 100% coverage in network after the deductible is satisfied. These include unique coverage like that of the loss of a passport, international missed flights, border entry protection and $100 for any travel delays of 12 hours or more. Moreover, if the insured person buys a policy for at least 30 days, he is eligible for a free Public Health Emergency Screening even when a travel warning is in place for the country of destination. Ideal for visitors to the USA, this plan includes emergency dental treatment, eye exams, $15 for urgent care visits and offers up to policy maximum in coverage for acute onset of pre-existing conditions for travelers under 70 and up to $30,000 for travelers age 70-79.
International Medical Group’s Patriot America Plus policy is a comprehensive coverage plan that has a PPO network. Ideal for visitors to the USA, this plan is renewable, cancelable and offers up to $500,000 in coverage for acute onset of pre-existing conditions for travelers who are less than 70 years of age.
This plan from Seven Corners is best for international travelers under 69 years old and offers $30,000 in acute onset of pre-existing conditions coverage. The plan offers coverage from 5 to 364 days and is renewable and cancelable.
A limited coverage plan offered by IMG, ChoiceAmerica costs less compared to other plans, but has limited pre-existing conditions coverage. This plan provides basic coverage and covers certain treatments and procedures up to a specified amount.
As we age, the incidence of medical conditions becomes higher, so plans that include acute onset of pre-existing conditions coverage are recommended for senior travelers, even if it seems that you are in good health when you plan your trip.
However, it’s important for all travelers to thoroughly assess their health before traveling and purchasing travel medical insurance. Even if a condition is discovered at the time of a medical incident abroad, if it is found that the condition existed before you purchased your policy, you may not qualify for acute onset of pre-existing conditions coverage.
With any plan, it is imperative that you thoroughly read and understand not only what is covered, but more importantly, what is not covered. Different visitors insurance plans may define acute onset of pre-existing conditions differently so it is important to do your research to make sure your plan meets your specific needs.
Disclaimer: The information represented on this page is provided by VisitorsCoverage Inc., a US-based licensed insurance service provider.