Visitors Medical Insurance for parents with pre-existing conditions
Let us look at the situation of elderly parents visiting the US to see the future generation of their family and to spend some with them . They normally are in the age range of 55 onwards. This is the time when people develop certain health conditions depending on their busy lifestyle and other factors.
This indicates the possibility of an existent health condition commonly known as pre-existing conditions. Visitor health insurance plans are available in the market but it is important to choose a plan carefully with sufficient coverage for existing medical conditions. An extremely important point to note is that the coverage for pre-existing condition is available only for the acute onset of the pre-existing condition. Any prescription medication or any kind of routine checkup or maintenance work that is associated with the condition, will not be covered. The visitors medical insurance coverage for acute onset of pre-existing condition varies with the age. It is available to its maximum limit up to the age of 65 or 70 after which it reduces in some plans and is excluded in others.
Most people are not very clear about the meaning of the pre-existing condition. It is a health condition that the person has already been diagnosed with before the insurance becomes effective. Insurance companies use "look back " period for determining if the condition is pre-existing or not.
Some of the most popular visitors insurance with the coverage for pre-existing condition would be :
For people up to the age of 65: Almost all the comprehensive and fixed benefit plans cover pre-existing condition up to this age. Patriot America Plus, Liaison Travel plans, Atlas Travel plan, Atlas Premium America plan, Safe Travels USA Comprehensive plan are some of the popular comprehensive plans that cover pre-existing condition.
For people above 65: Atlas America and Atlas Premium America are the plans that cover pre-existing up to age 80. Safe Travels USA Comprehensive cover up to the age of 89.
Please note that any existing condition that is considered chronic is excluded from coverage. It is recommended to purchase comprehensive travel medical insurance plans as opposed to a Fixed benefit insurance plan due to it's limited coverage.