Because travel medical insurance does not typically cover for pre-existing conditions, it is unlikely that a new policy would cover for a procedure that has already taken place. You may try to negotiate with the medical provider. Here is an article that may help: Dealing With Cost and Billing. Unfortunately, medical costs in America are high. So, when buying travel medical insurance, it is best to select a policy maximum that is sufficient in case of any emergencies. This will lower your liability.
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