A pre-existing condition* is a medical condition that existed before the start of the travel insurance coverage. One of the biggest concerns for travelers is to buy travel insurance with coverage for pre-existing conditions. Travel insurance with Pre-existing conditions coverage is particularly important for older travelers. However, only some travel insurance plan offer coverage for pre-existing ailments and even there the coverage is either after a look back period and is mainly for acute onset of pre-existing ailments**. Some international travel insurance plans with coverage for pre-existing conditions pay for medical expenses after the first year of coverage or a waiting period.
**Acute onset of pre-existing condition: Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
*General definition of pre-existing condition: "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).
The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the US citizen travel insurance.
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
The price of US traveler medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Travel insurance depends on the coverage region. The cost for US citizen pre-existing condition health insurance for international travel is most expensive.
The longer the duration of US traveler health insurance for acute onset of pre-existing conditions required, the higher will be the cost.
Travelers with pre-existing conditions should be very careful while in a foreign country to avoid any medical emergencies. Travelers with medical ailments should always purchase a plan with coverage for acute onset of pre-existing medical conditions, otherwise even an emergency due to a pre-existing condition may not be covered by their travel insurance plan.
Some plans with coverage for acute onset of pre-existing conditions** are available for all ages. You can compare International travel insurance with Pre existing conditions coverage and select the one that best suits the travelers specific situation.
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