Unfortunately if you're diagnosed with a condition while in the US and you don't already have travel insurance it will be considered a pre-existing condition. Pre-existing conditions are not covered under any type of travel medical insurance due to the short-term nature of the plans. The only thing that is covered in relation to a pre-existing condition is something diagnosed as an acute onset of a pre-existing condition. An acute onset of a pre-existing condition is a sudden and unexpected recurrence of a pre-existing condition and is up to the doctors diagnosis. Customarily, travel medical insurance only covers anything new that occurs, emergency and non-emergency alike; like a new illness, sickness, or injury that happens after the policy starts.
Couldn't find an answer to your question?
Our Customer Success Team of licensed insurance specialists can help. Just click the button below and submit your question. Our experts will typically respond within 48 hours.Ask the experts
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 For this reason, it is possible that the information given here could be outdated or incorrect.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.