When planning a trip to the United States from overseas, one thing to always consider is purchasing a visitors insurance plan. A visitors insurance plan will ensure that you are covered during your trip in the event that you require medical assistance, which otherwise could cost upwards of thousands of dollars. One benefit to consider when deciding on a travel medical insurance plan is the coverage of pre-existing medical conditions.
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 or elderly visiting from overseas often fear that they will need treatment for a pre-existing condition while in the US when making travel plans, which is why choosing a plan which covers these conditions is so important.
It may be difficult to determine which travel medical insurance plan to buy based one’s health condition, especially if it is pre-existing. Theoretically, the primary idea behind any insurance is to cover any unexpected or unknown risks that could arise during your travels.
Luckily, there are options for those who are purchasing a US visitor insurance plan and are seeking coverage for pre-existing conditions. 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 or Visitors Protect.
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.
- For those with high-blood pressure and/or diabetes, consider buying self-monitoring equipment. These devices don’t tend to be overly expensive, and can be very useful for home use. They can often be purchased online.
- Pay attention to your eating habits, walk/exercise, make new friends, and keep measuring your blood pressure and sugar on a regular basis while abroad.
- 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. Rest time is important, too!
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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.
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. Below are three travel medical insurance plans that offer comprehensive coverage and also offer limited coverage on pre-existing conditions.
USVisit-Pro
Comprehensive Coverage Plan
Plan Highlights
- Coverage from 60 days to 180 days
- Plan pays 80% of eligible medical expenses up to the policy maximum within United Healthcare PPO network after the deductible is satisfied
- Plan pays 60% of eligible medical expenses up to the policy maximum outside of PPO network
- Limited pre-existing condition coverage
- Covers COVID-19 the same as any other eligible medical condition
- Covers travelers on an eligible nonimmigrant visa or similar arrangements
INF Elite
Comprehensive Coverage Plan
Plan Highlights
- Coverage from 90 days to 364 days
- Plan pays 80% of eligible medical conditions up to the policy maximum within the United Healthcare PPO network after the deductible is satisfied
- Plan pays 60% of eligible medical conditions up to the policy maximum within the United Healthcare PPO network after the deductible is satisfied
- Limited pre-existing conditions coverage
- Covers COVID-19 the same as any other eligible medical condition
- Not cancellable after the policy effective date
Visitors Protect
Comprehensive Coverage Plan
Plan Highlights
- Coverage from 90 days to 365 days
- Limited pre-existing condition coverage
- Coverage for COVID-19 like any other medical condition
- For international visitors to USA, Mexico, or Canada
- Up to 75% of eligible medical costs up the policy maximum after the deductible is satisfied in-network
- Up to 60% of eligible medical costs up the policy maximum after the deductible is satisfied out of network
Where to Purchase US Visitors Insurance
If you’re ready to compare your options and find the right visitor insurance plan that matches your needs and budget, head over to VisitorsCoverage for instant quotes and additional information to guide you to the plan that will provide you with the most adequate coverage.
Pre-Existing Condition Plan Reviews
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Disclaimer
The information represented on this page is provided by VisitorsCoverage Inc., a US-based licensed insurance service provider.
