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Ask Our Specialists
MY FATHER HAD AN HEART SURGERY AND PLACED A STENT FEW YEARS BACK- HE IS FINE AND WENT FOR A MEDICAL CHECKUP BEFORE TRAVEL. NOW IF HE TRAVELS TO USA AND IF WE PURCHASE A COMPREHENSIVE COVERAGE - DOES HOSPITALIZATION OR ANY URGENT OR EMERGENCY CARE VISIT RELATED TO HEART ISSUES OR ANY OTHER REGULAR CHECKUP IF HE HAS A DISCOMFORT IN BREATHING. DOES IT COVERED UNDER A TRAVEL OR VISITOR INSURANCE IN USA OR IT GOES TO A PRE-EXISTING CONDITION AND INSURANCE DOESNT COVER THIS COST.
A pre-existing condition is generally defined as any condition whether known or unknown that either exist in the body or occurs prior to the policy effective date. Many visitors insurance plans will have a lookback period of either 2 or 3 years. So if any condition existed in the body or occurred during the look back period it is defined as a pre-existing condition.
Visitors Insurance plans are primarily designed to cover someone for new illnesses, injuries or accidents that either exist in the body or occur after the effective date. Many plans will include coverage for what is called an acute onset of pre-existing condition, and there is one plan called Visitors Protect that will include some coverage for pre-existing conditions.
At the time of the incident, the claims department will make the determination on whether or not a condition is considered new, an acute onset, or pre-existing existing based on the medical records and attending physicians statement (doctors notes). If you'd like to learn more about the pre-existing condition coverage limitations in Visitors Protect or what could be considered an acute onset of pre-existing conditions, please use the links below to view helpful articles we have created.
Visitors Protect Insurance Pre-existing Conditions Coverage and Exclusions
Acute onset of pre-existing conditions FAQ
If you have any additional questions or would like further help, please contact our office at +1 (866) INSUBUY 467-8289.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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