As you search through various travel medical or visitors insurance plans, you may have come across the acute onset of pre-existing conditions benefit on select plans. For travelers who suffer from existing medical conditions, this may be a benefit that interests you when considering which plan to buy.
But what is acute onset of pre-existing conditions and what exactly does it mean when it comes to coverage for pre-existing conditions?
What You Will Learn in This Guide:
- The definition of acute onset of pre-existing conditions in travel insurance
- The key differences between pre-existing conditions and acute onset of pre-existing conditions
- Examples that illustrate what qualifies as an acute onset of pre-existing conditions vs pre-existing conditions
Acute Onset of Pre-existing Conditions Definition
An acute onset of a pre-existing condition is the very sudden, unexpected recurrence of a condition that you have been treated for in the past, but do not currently suffer from, and requires immediate treatment (within 24 hours of the onset of symptoms).
While we understand that this definition can be confusing, understanding the differences between pre-existing conditions and the acute onset of pre-existing conditions can help you further understand what each benefit could cover under a travel insurance plan.
What is the Difference Between Pre-existing and Acute Onset of Pre-existing Conditions?
The general definition of a pre-existing condition is an injury, illness, sickness, disease, or other physical, medical, mental, or nervous condition, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed prior to or at the time of applying for travel medical insurance.
Pre-existing conditions are the medical issues themselves, while the acute onset of pre-existing conditions is the sudden and unexpected recurrence of a pre-existing condition.
Kidney Stones - Pre-existing Condition or Acute Onset of a Pre-existing Condition?
Here are two separate examples of kidney stones in two separate instances - one considered a pre-existing condition, and the other considered an acute onset of a pre-existing condition.
Considered a Pre-existing Condition
You are currently dealing with kidney stones that have not passed yet, and during this time, you purchase travel insurance and then proceed on your trip.
Even though the kidney stones are painful and you may eventually need medical attention, this condition under this circumstance would typically be considered as a pre-existing condition since the policyholder knew about the ailment prior to purchasing their travel insurance policy. In this example, expenses for kidney stone treatment would likely not be covered under travel insurance.
Considered an Acute Onset of a Pre-existing Condition
If however, you have not had any recent problems with kidney stones and then suddenly, out of nowhere, you have another kidney stone that causes extreme pain and you need to see a doctor while on your trip, this may be considered an acute onset of a pre-existing condition.
If you have a travel insurance policy that is currently in effect that offers coverage for the acute onset of a pre-existing condition, this sudden health issue may be covered (final determination from the policy provider).
Pre-existing Conditions Examples
Here are some additional examples of instances that would likely be considered pre-existing conditions.
- You suffer from epilepsy. Due to the nature of this chronic disease, it is considered a pre-existing condition because a seizure is always a possibility at any given time. You may still need medical attention, however, even with an active travel insurance policy in place, this most likely will not be covered.*
- You are being treated for cancer. Before your policy was in effect, you were handling your treatments well. Then while traveling, you have a set back or different health issues occur due to the cancer diagnosis or treatments. This is pre-existing and most likely will not be covered.*
- You are pregnant. You decide to take a trip and purchase travel insurance. While traveling, there is an issue with the pregnancy or you go into labor. This is a pre-existing condition and most likely will not be covered.*
Acute Onset of Pre-existing Conditions Examples
Here are some additional examples of instances that may be considered the acute onset of a pre-existing condition.
- You suffer from and have been treated in the past for asthma. You use an inhaler or take medication for this condition either daily or as needed. As you are traveling, you have a sudden asthma attack, cannot breathe, and need to immediately be seen by a physician and are taken to urgent care or to a hospital to be treated. This may be considered an acute onset of a pre-existing condition.*
- Five years ago you suffered a heart attack. Since that time you have been healthy and are following doctor’s recommendations. While traveling, you suffer another heart attack. This can be an acute onset of a pre-existing condition, as you were treated before, but this is out of nowhere, sudden, and needs immediate attention.*
Best Travel Insurance Plans for Acute Onset of Pre-existing Conditions
- Best Acute-Onset Travel Medical Insurance Plan for Seniors Under 80: Atlas America
- Best Acute-Onset Travel Medical Insurance Plan for Seniors 70 and Older: CoverAmerica-Gold
- Best Basic Acute-Onset Travel Medical Insurance Plan: Travel Medical Choice-USA
Keep Note That Final Determination May Vary for Acute Onset Coverage
Regardless of your situation, it is up to the policy provider during the claims process to determine the final outcome of whether your specific condition will be covered under your policy.
It is highly recommended to go over any questions or concerns with your policy’s customer service department to answer any questions you may have in regards to pre-existing condition coverage. Also, should something happen, make sure to keep any and all paperwork and documentation from the doctors that treated you.
Secure Your Travel Medical Insurance Plan with Acute Onset of Pre-Existing Conditions Coverage
We understand that sometimes coverage differences for pre-existing conditions can be confusing. That is why our Customer Success Team is ready to help you with any questions you may have.
Feel free to contact our licensed insurance experts if you have additional questions about travel insurance for the acute onset of pre-existing conditions.
Frequently Asked Questions about the Acute Onset of Pre-Existing Conditions
Should I choose a pre-existing condition coverage plan or an acute onset of pre-existing condition coverage plan?
It really depends on your own needs. Acute onset coverage is sufficient for those who have a health history but have been stabilized for years, ideally. However, if you have a pre-existing condition that you are afraid could worsen during your travels, you may opt for a pre-existing condition coverage plan.
How is an acute onset different from a regular pre-existing condition?
A pre-existing condition is a medical condition, whether known or unknown, that a person currently has. In contrast, the acute onset of a pre-existing condition refers to a sudden and unexpected flare-up of a previous medical condition that was inactive at the time.
Is acute onset defined the same way in all visitors insurance plans?
No, not all visitor insurance plans define acute onset the same way. When comparing plans, it is best to look at the plan’s “Description of Coverage” document and compare how each plan defines acute onset. For example, CoverAmerica-Gold and Atlas America define it differently under their “Definitions” section.
Should I disclose all my medical history when purchasing travel insurance?
Upfront disclosure of medical conditions is not a requirement for all policies. Many plans evaluate whether a condition is pre-existing only at the time you receive treatment or submit a claim. It is essential to always provide truthful answers if questioned.
Does a sudden acute onset of a pre-existing condition require hospitalization?
Yes, if an unexpected occurrence happens, or the acute onset of a pre-existing condition, one of the requirements for travel medical insurance is that you must receive immediate treatment within 24 hours of your first symptoms.
Is acute onset coverage available for seniors?
Yes, there is acute onset coverage available for seniors, no matter the age. Oftentimes, some plans may limit coverage for seniors, so it is always important to examine the maximum age for coverage and any age-specific benefit limitations.
Is travel medical insurance with acute onset coverage available for visitors to the U.S.?
Yes, many of our travel medical insurance plans with acute onset coverage are available for visitors to the U.S. It is important to check the eligibility requirements of the plan you are looking at, and if it states that coverage is for visitors to the U.S. For example, CoverAmerica-Gold’s eligibility requirements say that it is “available for B1 and B2 visa holders, non-immigrant visa holders, or under the visa waiver program residing outside of the U.S., while traveling to the United States and for incidental trips to Canada, Mexico, Central America, Caribbean, and South America.”
What happens if my travel medical insurance claim for an acute onset is denied?
If your visitors insurance claim is denied but you believe it should be covered under your policy terms, take the following steps:
- Carefully review your policy details to fully understand the specific language regarding coverage and exclusions
- Gather additional medical documentation showing how your situation meets the policy's definition of covered events
- For claims related to the acute onset of a pre-existing condition, obtain a written statement from the physician who treated you confirming the sudden and unexpected nature of the episode
- Submit a formal appeal with all supporting documentation
- If you purchased your plan through VisitorsCoverage, our team is available to assist by offering an additional review or by escalating the case if necessary.
