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.
If you have a pre-existing condition and are planning a trip to the United States, you can have peace of mind by purchasing a travel insurance plan that covers your pre-existing condition, such as USVisit-Pro.
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 USVisit-Pro 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 pre-existing conditions. If a person is taking medication and/or being treated for an ailment, this qualifies as a pre-existing condition. To learn more, see: Travel Insurance Plans that Cover 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.
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Difference Between Acute Onset Of Pre-existing Conditions vs. Pre-existing Conditions
Pre-existing conditions are medical conditions or other health problems that existed before the date of an individual’s 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, an acute onset of a 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, it’s 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.
For Travelers with Diabetes:
Visitors Health Insurance Plans with Pre-Existing Conditions Coverage
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. USVisit-Pro is a comprehensive coverage plan that offers limited pre-existing condition coverage as part of the plan. It covers both pre-existing conditions and new conditions, which is an excellent option for travelers. For more information regarding this plan, visit USVisit-Pro Insurance Coverage.
- Plan pays 80% of eligible medical expenses up to the policy maximum within United Healthcare PPO network after the deductible is satisfied
- Coverage from 60 days to 180 days
- Plan pays 60% of eligible medical expenses up to the policy maximum outside of PPO network
- Limited pre-existing condition coverage
- Can cover COVID-19 if the virus was contracted after the policy effective date.
- Covers travelers on an eligible nonimmigrant visa or similar arrangements
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DisclaimerThe information represented on this page is provided by VisitorsCoverage Inc., a US-based licensed insurance service provider.