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Ask Our Specialists
My FIL is 74 and will be visiting the US in July 2023. 2 years ago he injured his back multiple times but he has recovered now. During travel or when he is in the US if he injures his back again and needs treatment then will it be covered under acute onset of a pre-existing condition? Please note that he had surgery for the injury (fracture) and has recovered. He is taking calcium supplements and no other prescription medicine.
Coverage is always based off of the attending physicians notes at the time of services.
If the new injury is deemed completely independent of the previous injury, then plans would offer coverage. If it is deemed a pre-existing condition but meets the acute onset definition, then it would be covered under plans that offer that coverage.
For further explination it would be best to contact an agent at 1(866)INSUBUY (4678289)
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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