Visitor Insurance and Pre-Existing Conditions

So you have read enough about pre-existing conditions, and did not find any plan which actually covers pre-existing conditions. It is true that majority of the aged people traveling to USA or abroad do have some form of pre-existing conditions, but unfortunately there is almost no visitor medical insurance plan which fully covers pre-existing conditions.

Our users/customer often ask - “Is it worth to to buy visitor health insurance if pre-existing conditions are not covered?" This question is quite obvious from a buyers perspective, but think broadly and be practical. Not all health issues are due to pre-existing conditions. The probability of any health hazard due to pre-existing condition in most cases is 5 to 10%, but what about the rest 90%. Lets not kid yourself; you surely need a health insurance to protect yourself from big expenses.

Lets us share our experience what we have been hearing from customers, there are two major health risk for visitors coming to USA

• Number 1 and most common General Sickness/illness due to change of weather; food habits etc.
• Accidents, since the traveler will be making road trips within USA. And there are many other unforeseen health problems.

Having the health insurance can surely give you the peace of mind to relax and enjoy your vacation or business trip.

Is there any solution for Visitors with Pre-existing conditions?

The most common pre-existing conditions we hear are Blood pressure and Diabetes. Though People with these conditions can be in good and stable conditions but may dependent on medicines, insulin or regular checkup.
While it is true that, pre-existing conditions might not be covered, however there are certain ways you can prevent/control and take precautions to avoid and prepare yourself for such situation where a pre-existing condition might not take toll on you.

Here are few common and proven tips:

1. First of all must buy a good Visitor Medical Insurance Plan. Prefer a comprehensive PPO kind of coverage like Liaison International.
2. Get a thorough and complete medical checkup done before you travel to USA. This will be very useful to bring up any hidden medical issue if any. This also gives you a peace of mind to travel worry free and prepared.
3. Carry a sufficient amount of medicines from your home country.
4. People with High-blood pressure and/or Diabetes consider buying self measuring equipments .These do not cost a lot but this will be very useful for home use. The Price range for these varies from $15 to $100 or so. Children inviting their parents to USA can buy these from any local electronics shops or on the internet. Did know that you can even get your medicines from your home country via regular mail (Except any controlled drugs) .
5. Pay attention to your eating habits, must do some walk/exercise, make some friends around, keep measuring your blood pressure and sugar on regular basis.
6. For children who are Host: Do not make hectic travel plans, make sure you ask your parents from time to time if they are OK or have any problem, or they are comfortable enough. Parents Don’t be offended to take instructions from your children or the younger generation; it is for your own well-being and safety.
7. Read more about claims concerning pre-existing conditions.
8. Read - Handling the situation for non covered services.

Atlas America Covers for Acute Onset of a Pre-Existing Condition If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. (Note : This plan is not available for people with address in NY state) Atlas America - Click here for more details People age 70+ You may want to take a look at a Hospital only plan "Inbound Hospital" which provides some limited coverage for Heart and stroke related problems for up to certain limit. Click here for more details. Inbound Hospital Plan Details.

I am sure if you follow these, you will have a better control on your health problems and have a pleasant travel and stay in USA

Related Links :

• How to handle services Not covered by your insurance policy.
• Compare all Top rated Visitor Insurance Plans.
• Visitor Medical Insurance FAQ.
• Visitor Insurance - Smart Buyer Tips.
• Need help to decide which plan may suit your need ? Take this online assessment to learn more : Suggest-a-Plan

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