Most travel medical insurance plans are designed to cover new and unexpected illnesses or injuries that occur after the policy begins, so they donâÃÂÃÂt typically cover pre-existing conditions like a previous heart attack or stroke. However, certain plans do provide limited coverage for whatâÃÂÃÂs known as the âÃÂÃÂacute onset of pre-existing conditions.âÃÂàThis means if you experience a sudden, unexpected recurrence of a past condition that requires immediate medical attention, your travel insurance may offer some coverage. For travelers visiting the U.S., here are two plans to consider:
For international travelers (outside of the U.S.), Atlas International provides acute onset coverage up to the policy maximum for travelers under age 79.
Keep in mind that coverage eligibility varies by age, medical history, and destination. Additionally, the attending physician will ultimately determine if a situation is due to a pre-existing condition.
If you have any questions or need help choosing the right plan, please donâÃÂÃÂt hesitate to reach out to us at 1-866-384-9104 or email us at support@visitorscoverage.com for guidance on finding the right coverage for your needs.
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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 For this reason, it is possible that the information given here could be outdated or incorrect.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.
