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Question:

Hi, I just had a question about "Acute Onset of Pre-Existing Conditions" Would Ulcerative Colitis, that is currently under control with medicine and a healthy lifestyle/diet, be covered if the traveler needed to visit a doctor if symptoms occurred? I'm looking to help a friend purchase insurance, but they have concerns over their medical conditions and the expense they would occur if this disease affected them in the US. Any information on helping me to understand "Acute Onset of Pre-Existing Conditions" would be helpful. Thanks so much!

Answer:

Thank you for contacting Insubuy for your insurance needs. 

Plan are designed to cover the new accidents and new illness that happen after the effective date of the policy. Plans will not cover routine doctors' visits, preventative care, nor any medications related to pre-existing conditions. 

At most a plan will cover for an acute onset of a pre-existing condition. Please read the following link for more information about this benefit. 

If you would like to provide their age, the state you would need coverage in as well as the visa status upon their arrival we can recommend a plan and send you a quote. 


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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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