Shopping around for insurance for visitors to the U.S. involves a lot of thought and energy, especially if the visitor has a pre-existing condition. While researching policies, you may encounter the term “acute onset pre-existing condition” in the insurance plans. You must be wondering whether acute onset of pre-existing conditions is the same as pre-existing conditions. Don’t get confused. Depending on your health condition, the coverage could be different. Let’s explore how these terms differ.
Pre-Existing Medical Conditions
Although there are different definitions out there, the complex syntax and how they are defined can be confusing. In general, they are medical conditions or other health problems that existed before the date of an individual’s enrollment or effective date of a health insurance plan. In essence, they’re medical conditions that existed before your policy started.
Some of the commonly understandable “pre-existing conditions” can be chronic illnesses like diabetes, high blood pressure, asthma etc. This can include chronic injuries like back pain too. These vary from person to person depending on their unique medical history or record.
Short-term insurance including travel insurance companies normally don’t cover these conditions.
Acute Onset Of Pre-Existing Condition
This is when a sudden occurrence or manifestation of the prior condition happens. This means the medical incident is unexpected and there is no forewarning by the doctor. Here is one of the definitions that is repeatedly found on the web: An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a prior condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.”
Policies for Pre-Existing Conditions
USVisit-Pro Medical Insurance Plan
VisitorsCoverage offers USVisit-Pro, a travel medical insurance that covers certain pre-existing conditions and also provides benefits such as emergency evacuation. There may be options should your condition worsen or you need to seek medical attention while traveling. Learn more about our newest plan for pre-existing conditions, USVisit-Pro.
CoverAmerica-Gold Medical Insurance Plan
The CoverAmerica-Gold travel medical insurance plan offers acute onset of a pre-existing conditions coverage. This is a comprehensive coverage plan and is especially recommended for senior travelers and relatives visiting the U.S. For more information on this one-of-a-kind plan, visit CoverAmerica-Gold Insurance.
Choosing the Right Policy
Analyze the fine print of the insurance policies thoroughly and make an informed decision. Knowledge of these terms might help you choose the right policy that fits your specific needs. When shopping for visitors insurance policies, it’s a good idea to inquire with a licensed insurance agent when considering a policy that covers an acute onset of pre-existing conditions because of the complexity of the coverage. Many policies that offer coverage for an acute onset of pre-existing conditions exclude coverage for chronic pre-existing conditions (high blood pressure, diabetes, etc). However, there may be an available coverage for you depending on the insured’s age.
If you have any questions or need assistance, our Customer Success Team of licensed insurance experts is happy to help.