IMG Patriot Travel medical insurance

Travel Insurance tips for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

1. Choose a travel health insurance plan that covers pre-existing conditions.
2. Read the policy carefully to understand what is covered and what is not.
3. Be aware of any waiting periods for coverage of pre-existing conditions.
4. Consider buying a visitors insurance policy with higher coverage limits.
5. Carry a copy of your medical records and list of medications with you when traveling.
6. Ensure that you carry your medical prescription and medicines during your trip.
7. Know how to access medical care in your destination.
8. Contact your visitors insurance provider immediately in case of any medical emergency.
9. Disclose all pre-existing conditions when buying visitors health insurance.
10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

1. The definition of pre-existing conditions and the look back period under the policy.
2. The eligibility age limit for pre-existing conditions coverage.
3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
5. The deductible and out of pocket expenses for pre-existing conditions coverage.
6. The renewability of the policy and its implication for pre-existing condition coverage

IMG offers Pre-existing conditions with the following plans

Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for pre-existing conditions work?

The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.