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Ask Our Specialists
I have my parents visiting US for 5 months. I want to have their insurance. My mother have issue with nerve and bone so I want to take her to specialist visit. Is there any insurance plan that covers her to take to doctor?
There is not an insurance on the market anywhere that will cover pre-existing conditions for visitors to the U.S. The plans for visitors will cover new injuries and new illnesses that manifest after the effective date of the policy. Anything to do with a pre-existing condition as you have described below would just be out of pocket expenses.
Depending on the age of your mother, some plans do have an Acute onset benefit for pre-existing conditions, however this benefit is for sudden and unexpected acute onsets of pre-existing conditions that come on without any warning, are rapidly progressing and require immediate treatment within 24 hours. This benefit is a possibility of coverage for these types of situations and not a guarantee of coverage as it would be based on the attending physicians report at the time of claim. But again, this is for urgent situations requiring immediate treatment so anything where there is time to set up an appointment and go to a doctor for treatment would not qualify under this benefit.
Please look at our Visitors Insurance section to view the plans that we offer to cover visitors here in the U.S. You will be able to see which plans also include the Acute onset benefit in the list.
I hope this answers your questions. If you have any more or need further assistance, 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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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