Most travel insurance plans do not provide coverage for pre-existing conditions, due to the short-term nature of the plans. However, some plans provide coverage for acute onset of a pre-existing condition, which is defined as a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires immediate medical attention. The insured may be covered for pre-existing conditions only if the individual's attending physician determines that his or her pre-existing condition is acute. The acute onset must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. To learn more, visit our page about Acute Onset of Pre-Existing Conditions.
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 For this reason, it is possible that the information given here could be outdated or incorrect.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.