Is a heart attack a pre-existing condition? Would you consider giving me some advice based on your experience?
Pre-existing conditions are usually defined as any medical condition(illness or accident) that the insured is being treated for and/or is on medication for before the policy becomes effective. It typically deals with chronic conditions like: high blood pressure, diabetes, etc.
A heart attack may or may not be due to a pre-existing condition. It is up to the attending physician to determine whether a condition is considered a pre-existing condition or not. If the attending physician determines that a problem that started after the policy became effective was due to a pre-existing condition, then most of the plans will not cover it.
If you are interested in pre-existing condition coverage, and the visitor is below the age of 70, then you can purchase the Atlas America Plan at
Free Quote: Atlas Travel
It will not cover for regular supplies and testing that you need for the management of the pre-existing condition. However, this plan covers up to $100,000 (updated August 11, 2014) for an acute onset of a pre-existing condition.
You can find more information on the plan in the Plan Brochure
You can also compare and purchase any of the other visitors plans at
All plans would only provide coverage for new and unexpected illness or injury. These would not cover for pre-existing conditions and related issues, preventive care, dental or vision. A pre-existing condition is defined as a…
The plans that we offer are short-term travel insurance plans. Like all travel insurance policies, these plans only cover new and unexpected illness or injury that starts after the policy goes into effect. These do…
Diabetes and high blood pressure would be considered pre-existing conditions. Unfortunately, travel medical insurance does not provide coverage for routine check-ups and preventative care to manage pre-existing conditions. The following article will help: Travel Insurance:…
A medical examination is not necessary as the diagnosis of a pre-existing condition is always up to the discretion of the attending physician. Read more about pre-existing conditions here: Pre-Existing Conditions for Visitor Coverage.
There is one plan that would offer coverage for acute onset of a pre-existing condition for cancer, but it would cover only an expected flare-up of it. Meaning, not long-term coverage or planned treatment. Acute…
Unfortunately, there is no visitors insurance plan that will offer coverage for planned treatments or preventative care physician visits. Any expenses related to an existing condition will be the patient's responsibility. For coverage related any…
Information provided here in the form of Questions and Answers is for general purpose only and may not be current and accurate at all times. Insurance terms and conditions, benefits, and coverage are subject to change at any time. For this reason, it is possible that the information given here could be outdated or incorrect. VisitorsCoverage inc. assumes no responsibility or liability for the accuracy of these answers. Any use of the information on our website is subject to our terms and conditions and user agreement. It is recommend that you review the latest Evidence of Coverage and Plan Contract (Policy) for a detailed description of coverage benefits, limitations, and exclusions. Please read the Policy Brochure and Plan Details for complete and accurate information. Only the Terms and Conditions of Coverage listed in a particular policy are binding.