Visitors Medical Insurance for parents with pre-existing conditions

International travel has become a fairly very common activity today with people from different age groups traveling across countries while wanting to create memorable memories depending on the occasion. Parents even in their 60s and 70s travel quite often outside their home country.

This might not be such an easy decision for some, given the concerns of safety and health. Given that at this age, travelers cannot take their health for granted it is important to take travel medical insurance for parents while traveling long distances.

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 health insurance that covers pre existing conditions plan carefully with sufficient coverage. 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. American Visitors Insurance website provides an excellent quote compare facility to buy health insurance for people with pre existing conditions with the required input in the form and view the available plans for the input provided. This makes it easier to filter the visitor insurance for parents according to the information in the quote form.

The age, preferred start and end date during which the plan will be effective, preferred policy maximum, preferred deductible, citizenship and destination are the details required in this form. Getting quote for best medical insurance for parents with pre existing conditions on this input ,will show a summary page which consists of the available plans for the entered information along with their price information for the given duration. Changing the deductible value or the policy maximum option will result in a premium price change accordingly. The equation between the deductible and the premium price is inversely proportional. Lower the deductible, higher the premium price.

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, Travel Medical 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.

Purchasing best health insurance for parents provides coverage that is custom designed for the US healthcare system. Local US healthcare knowledge and network ties are hugely beneficial while navigating the US healthcare landscape. Health insurance for visitors to USA with pre-existing conditions integrates seamlessly with local healthcare providers and will be advantageous for your expenses. Most US travel insurance plans have a network of healthcare providers (PPO network) within the US. This network facilitates a significantly lower billing for hospitalization costs as well as manage the direct billing arrangements and provides easier access to medical services.

It is much easier dealing with a US-based insurance provider as they offer the advantage of easier communication due to language and time zone proximity. US-based travel insurance providers have a better understanding of US laws and regulations governing insurance simplifying the claims processes. US travel insurance plans provide comprehensive global assistance services, 24/7 support including emergency medical evacuation. US travel insurance providers also offer specialized coverage that cater to specific needs of international travelers, such as coverage for pre-existing medical conditions or for extending the trip and renewal of an existing policy.

Frequently asked questions?