I have the Patriot America insurance for my mother-in-law which has a max limit at $50,000. She had to have an emergency surgery and the hospital is not releasing her immediately. Our bills have exceeded the policy maximum and I am wondering if we have the option to buy extended coverage to cover the remaining balance over $50,000, or if we have to pay for it out-of-pocket?
We are sorry to hear about your mother. Hopefully she is doing well now and recovering quickly.
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 want 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.
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.
You do not need a medical examination before purchasing travel insurance. For some additional information on visitors insurance, check out our Knowledge Center.
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:…
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…
No, travel medical insurance only covers for unexpected sickness or injury that might happen while traveling. Our trip insurance plans cover trip-related incidents such as trip delay or cancellation, baggage loss and lost passport and…
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…
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