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Ask Our Specialists
My dad had hernia surgey recently in India. He will be traveling to US for about a month. He is completely fit now and have rested enough as per doctors recommendations. While visiting US, if the stitches ruptures, or if he needs to do the hernia surgery again because of any unprecedented reason like an accident, will that be covered in acute onset of pre-existing conditions?
An acute onset is an unexpected and sudden emergency. If the stitches were to rupture, that is something that could happen based on his current situation and would be something that could be expected to possibly happen. So it would depend on exactly what were to happen to determine coverage under acute onset at the time of an incident.
Here is our FAQ on acute onset for you to review: /visitor-insurance-acute-onset-of-pre-existing-conditions/
We do have a plan that can provide some pre-existing condition coverage if fit to travel and not traveling to specifically obtain medical care.
However, the plan would need to be purchased before departure from home country, it would include a separate benefit level for the pre-existing cnditions based on his age, and comes with an individual $1500 dedutible. It also has a 90 day minimum purchase so even if you enter in 30 days for example, it would still quote you for 90, and it is not extendable so you would need to purchase for the full duration of the stay.
If you have 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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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