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.
Guide: How To Choose A Covid-19 Travel Insurance Plan
Health history forms, the your doctors opinion and lab results all help to determine if a condition will be considered a pre-existing condition.
The three (3) best plans for people with pre-existing conditions are as follows:
Visitors Protect is a comprehensive travel medical insurance plan that offers limited coverage for pre-existing conditions. It can also cover COVID-19 if the virus is contracted after your policy-effective date. This plan is for international visitors traveling to the US, Mexico, or Canada. Its coverage includes up to 75% of eligible medical costs up the policy maximum after the deductible is satisfied in-network (United Healthcare) and up to 60% of eligible medical costs up the policy maximum after the deductible is satisfied out of network.
USVisit-Pro offers a comprehensive coverage plan that includes both pre-existing conditions and new conditions alike for international visitors traveling to the U.S. It also can cover COVID-19 if the virus is contracted after your policy-effective date. Coverage duration is 60 days minimum to 180 day (6 months). Pre-existing condition coverage is up to $30k for ages 14 days through 69 years with a $1,000 deductible. After satisfying the deductible in the U.S., this plan pays 80% of eligible medical expenses within the United Healthcare PPO network and 60% outside of the PPO network.
A limited coverage plan offered by IMG, ChoiceAmerica costs less compared to other plans, but offers an optional limited pre-existing conditions coverage add-on. This plan provides basic coverage and covers certain treatments and procedures up to a specified amount.
The two (2) best plans for people with acute onset of pre-existing conditions are as follows:
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.
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International Medical Groups 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.
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, its 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.
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DisclaimerThe information represented on this page is provided by VisitorsCoverage Inc., a US-based licensed insurance service provider.