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Ask Our Specialists
Hi, I'm planning to bring my parents to California, United States for 4 months. My father is 70 years old and looking to buy some travel insurance. I have a few questions on pre-existing and acute onset preexisting condition and wanted to know whether these fall under those types.1. My father had an incident (slipped and hit on the back of the head) couple of years (Apr 2020) before. He was hospitalized and suffered a minor internal hemorrhage at that time. But he was treated and now recovered completely. 2. He also has experiencing discomfort during bowel movement and taking medicine like stool softener. Also consulted with doctor and performed endoscopy. Results looked good. Doctor said the digestion and bowel movement slows due to his age. Occasionally he may also suffer hemorrhoids due to this bowel movement issue.
We have a plan that can provide some coverage for pre-existing conditions.
It must be purchased before departure from home country and can provide coverage in the U.S., Canada, and Mexico.
Acute onset benefits are more limited as they cover a specific type of incident. Nothing to do with hemorrhoids and the digestion and bowel problems would fall under an acute onset most likely. Any coverage would depend on what is stated in the attending physicians report at the time of an incident to see if it were to meet the acute onset definition.
Please see our FAQ page regarding acute onset benefits: /visitor-insurance-acute-onset-of-pre-existing-conditions/
If you are wanting a plan with only the acute onset benefits rather than the more general pre-existing condition coverage, we would recommend this plan:
If you have any additional questions, please let us know.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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