A pre-existing condition is defined as any existing medical problem that an individual is already suffering from or experiencing prior to purchasing a visitors' insurance plan. Parents visiting from India always fear this when planning their travel to the US. Most of them either suffer from pre-existing health conditions or are anxious that they will experience the acute onset of these pre-existing health conditions during their visit.
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 plan a travel adventure with peace of mind.travel medical insurance plans that cover pre-existing conditions versus those meant for acute onset of pre-existing conditions. It is entirely up to the doctor's discretion to diagnose the problem as one or the other. He will base this on previous health history, current medical and diagnostic tests.
A common question asked is, "How to determine which travel medical insurance to buy based on one's health condition?" Theoretically, the primary idea behind any insurance is to cover any unexpected or unknown risks that could arise during your travels. Not all health issues are due to pre-existing condition.
Some health hazards occur due to an acute onset of a pre-existing medical conditions. Hence, it is very important to protect yourself from any possible accidents and emergencies that may happen to you in the future. Having said that, purchasing a travel medical insurance policy can not only give you peace of mind, but protect your health and your finances as well.
Visitors With Pre-Existing Conditions: This Is What You Should Know
The most common pre-existing conditions are high blood pressure, diabetes, heart disease, asthma, and cancer. Though people with these conditions can be in a healthy, stable condition, they may be dependent on medicines, insulin, or regular checkups.
In the past, travelers with pre-existing conditions hesitated to travel because of a lack of adequate travel medical insurance coverage. Today plans like Choice America take the worry out of every travel plan for anyone with pre-existing medical conditions. Additionally, there are certain ways you can prevent/control any mishaps caused by your pre-existing condition by taking certain precautions during your travels:
- Purchase a travel medical insurance plan with adequate overall coverage as well as coverage for an acute onset of pre-existing condition. An acute onset of a pre-existing condition is defined as a sudden and unexpected recurrence of a pre-existing condition. Although the diagnosis of this is always up to the doctor's discretion at the time of visit, coverage for this could still provide you with a safety-net for your pre-existing condition should any issues arise. To learn more, see: Plans that Cover Acute Onset of Pre-Existing Conditions.
- Although it is not required to purchase visitors' insurance, it is recommended that you have a thorough medical checkup before you travel to the USA. This will be very useful in identifying any hidden medical issues. It will also give you peace of mind during your travels.
- Carry a sufficient amount of medicine from your home country. Be sure to plan ahead in case your flight is delayed. It is recommended that you bring two weeks of extra medication and supplies. In some cases, you can even get your medicines from your home country via regular mail (This excludes any controlled drugs).
- For those with high-blood pressure and/or diabetes: Consider buying self-measuring equipment . These devices don't tend to be overly expensive, but will be very useful for home use. They can often be purchased from any local electronics shops or on the internet.
- Pay attention to your eating habits, walk/exercise, make new friends, and keep measuring your blood pressure and sugar on a regular basis.
- For children who are hosts: Do not make hectic travel plans. Make sure you ask your parents from time to time if they are okay and comfortable. Parents should not be offended to take instructions from your children or the younger generation; especially when it is for your own well-being and safety.
Worried About Traveling To The US With Pre-Existing Medical Conditions?
Herere the BEST travel insurance plans for you
While many travel medical insurance plans do offer coverage for an acute onset of a pre-existing condition, the conditions that are actually covered under this benefit can often be very confusing to many international travelers. ChoiceAmerica Insurance, a new travel medical insurance plan, actually offers limited pre-existing condition coverage as an optional rider to the policy, rather than just coverage for an acute onset. For more information on this unique plan, visit ChoiceAmerica Insurance.
Difference Between Acute Onset Of Preexisting Conditions vs. Preexisting ConditionsAt this juncture it is important to know the difference between pre-existing medical conditions and acute onset of pre-existing conditions. It is not the same.
Pre-existing conditions are medical conditions or other health problems that existed before the date of an individuals enrollment or effective date of a health insurance plan. These could be chronic illnesses like diabetes, high blood pressure, asthma or chronic injuries like back pain. It is important to note that many plans may not cover these conditions.
On the other hand, acute onset of pre-existing condition is a sudden occurrence of the pre-existing condition. This means the medical incident is unexpected and a doctor could not forewarn this . When shopping for visitors insurance policies, its a good idea to inquire with a licensed insurance agent when considering a policy that covers an acute onset of pre-existing conditions vs one that covers pre-existing conditions itself.
Visitors Health Insurance Plans with Acute onset of Pre-Existing Conditions Coverage
CoverAmerica - GoldLearn More Plan Highlights
Comprehensive Coverage Plan
Rated "A" Plan
100% coverage in network after deductible
100% of URC up to medical maximum for out-of-network after deductible
Urgent care copay $20-$25, depending on policy max
Up to $150 Towards Public Health Emergency Screening
Return flight to home country if trip is cut short due to medical reasons
Acute onset of pre-existing conditions coverage up to $125,000 for those 69 and under, and up to $30,000 for ages 70-79.
ChoiceAmericaLearn More Plan Highlights
Limited Coverage Plan
Plan pays fixed amount per incident up to policy maximum
Basic coverage, low cost, less benefits
Coverage from 5 days to 12 months
Limited pre-existing condition coverage
Coverage for border entry denial
Coverage for adventure sports and amusement park injuries
Coverage for loss of passport and essential travel documents
Disclaimer: The information represented on this page is provided by VisitorsCoverage Inc., a US-based licensed insurance service provider.