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Pre-Existing Conditions for Visitor Insurance

You may have read enough about Pre-Existing Conditions for Travel Insurance, and yet may not have found a visitor insurance 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(common example: Blood pressure, Diabetes, Arthritis, Heart problems, dialysis, tumor, etc) but unfortunately there is no visitor medical insurance plan which fully covers pre-existing conditions for visitors.

Our users/customer often ask - Is it worth buying a 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%. You surely need a health insurance to protect yourself from escalating health expenses.

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

  • The most common health concern is general sickness/illness due to change of weather, food habits etc.
  • Accidents, since the traveler will be making road trips within USA is another major unforeseen health problems.

Having 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 condition, they 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 a situation where a pre-existing condition might not take toll on you.

Here are few common and proven tips:

  • First, buy a good Visitor Medical Insurance Plan. Prefer a comprehensive PPO kind of coverage like Liaison International.
  • Get a thorough and complete medical checkup done before you travel to USA. This will be useful while bring up hidden medical issue if any. This also gives you a peace of mind to travel worry free and prepared.
  • Carry sufficient amounts of medicines from your home country.
  • People with High-blood pressure and/or Diabetes consider buying self measuring equipments .These do not cost a lot but, they will be very useful for home use. The price range for these vary between $15 to $100. Children inviting their parents to USA can buy these from any local electronics shops or the Internet. Did know that you can even get your medicines from your home country via regular mail? (Except any controlled drugs) .
  • Pay attention to your eating habits, walk/exercise, make friends, keep measuring your blood pressure and sugar on regular basis.
  • For children who are hosts: Do not make hectic travel plans, make sure you ask your parents from time to time if they are alright or have any problems. Parents should not be offended to take instructions from your children or the younger generation, since it is for your own well-being and safety.
  • Read More about claims concerning pre-existing conditions.
  • Read - service not covered by insurance policy
Atlas America
  • Covers for Acute Onset of a Pre-existing Condition

    If you are under age 70, you are covered for acute onset of a pre-existing condition. Coverage is available up to $20,000 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 Inbound USA plan "Inbound USA" provides some limited coverage for Heart and stroke related problems for up to certain limit. Click here for more details.



Inbound USA Insurance 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


visitor insurance Pre-existing conditions Explained: Watch this Video



Pre-existing conditions Explained

Most Visitor and travel insurance policies do not cover pre-existing conditions. Here is a video that explains why pre-existing conditions are not covered, and what visitors can do about it.



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