All the plans that we offer are short-term travel medical insurance plans. These cover only for any unexpected new sickness or injury that begins after the policy goes into effect. These do not cover pre-existing conditions, preventive care, dental or vision. So if someone has an existing condition, such as diabetes, that would be treated as a pre-existing condition, and the plan would not cover for anything related to that, including doctor check-ups, preventative lab tests or medication.
However, a few plans do provide coverage for what is called "acute onset of a pre-existing condition." Acute onset is a sudden and unexpected recurrence of a pre-existing condition that happens without warning and requires immediate medical attention. It is always up to the attending physician to determine if a given medical situation occurs because of a pre-existing condition or not, and also if it would be considered acute and unexpected, given their medical conditions and history. Remember with any of our plans, you can visit any doctor or hospital of your choice. If the situation is considered an acute onset by the physician, then some plans would cover it. You can consider the CoverAmerica - Gold plan for travelers to US, especially those who are seniors or have pre-existing conditions. This plan provides coverage for acute onset of pre-existing conditions up to the policy maximum limit for people 69 years and younger, and $30,000 for people 79-79. You can find detailed information about acute onset coverage in the plan brochure and description of coverage. Please feel free to call us at 1-866-384-9104 or email us at [email protected], if you have any further questions or need assistance with purchasing a plan.
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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 For this reason, it is possible that the information given here could be outdated or incorrect.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.