Visitors medical insurance covering pre-existing conditions

A pre-existing condition is a medical ailment that existed before the start of the visitors insurance cover. One of the biggest concerns for travelers is to find good visitor insurance with Pre-existing conditions coverage, this is particularly important for older travelers and parents. Generally not all visitors insurance offer coverage for pre-existing ailments. Some travel health insurance plans offer coverage after the first year of coverage or a waiting period. Global long term insurance offer major medical coverage after the first year and also provide coverage for pre-existing conditions.
Here we present resourceful information about short term visitor medical insurance coverage for acute onset of Pre-existing ailments.
Compare the best visitors insurance for acute onset of pre-existing conditions

1. Select Country / Countries where coverage is required ?

2. Visitor's /Traveler's Citizenship ?

3. Start date (mm/ dd/ yyyy)
4. End date (mm/ dd/ yyyy)
5. Traveler's Age*
6. Spouse's Age ? (If reqd)
7. Number of Dependents under 18 years

1. Coverage Limit (Maximum eligible medical expenses that the plan will cover)

2. Deductible

Deductible is the amount you must pay every year(either per person or per family) before your plan starts to pay its share of benefits. A 500$ deductible means you will have to pay first $500 for treatment and then the insurance company takes care of the rest of the payments. A 0$ deductible means you do not pay anything.

Higher Deductible -> Lower Premium.
Lower Deductible -> Higher Premium.

How do insurance companies determine pre-existing conditions?

The common question among elderly travelers is how insurers determine what is considered a pre existing medical condition. No medical examination or doctor’s report is required to purchase short term health insurance. So, how can they know what is pre-existing? The insurance company will rely on information gathered from the care provider, such as, medications taken, onset of symptoms, etc.

The general definition of pre-existing condition is: "A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

Precautions for travelers with pre-existing conditions

Those travelers with pre-existing conditions have to take extra care while in a foreign country to avoid possible medical emergencies. Visitors with medical history should always purchase a plan with pre-existing medical coverage, otherwise an emergency due to a pre-existing condition may NOT be covered by their insurance. There are some plans with coverage for acute onset of pre-existing conditions for all ages. You can compare the plans and select the one which best suits your unique situation.

Best long term travel insurance for pre-existing conditions in USA

We clearly explain the policies that provide coverage for pre-existing conditions and all the terms and conditions that go with it. These insurance plans are ideal for visitors or parents visiting from India. The best coverage of Pre-existing Conditions can be found with Major Medical plans which are under the 'global health insurance' section of our website. These plans are ideally suited to someone who wants long term insurance (12 months and above). For more clarifications please refer to the Pre-existing Conditions FAQ.
Find out more about Pre-existing condition visitors insurance
Frequently asked questions?
Simply put, a pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Read more.
No , there are no medical tests required for purchasing visitor insurance
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for acute onset of pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
To ensure that any travel and stay in a foreign country is hassle free and memorable travelers should buy proper visitor medical insurance. Visitor travel health insurance can prevent stress by providing good medical cover for unexpected sickness and injury. We come across many travelers especially older travelers, who along with visitor insurance are suffering from existing medical ailments. In other words they need coverage for acute onset of an pre-existing medical condition. Read more.
More faq's

Pre-existing coverage - Article

Insurance Coverage for older travelers with Pre-existing Conditions

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Pre-existing coverage - Review

Best of the Best Coverage for Pre-existing Medical Conditions

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Visitor insurance with pre-existing coverage

Get quote for visitor insurance with pre-existing coverage.

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Best pre-existing coverage plans

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Compare visitor pre-existing plans

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Resourceful visitors medical insurance information

Resources

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Factors

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Claims Procedure

Helping travelers with the insurance claims process for getting medical care in a hospital.


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