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Hi, My father is 73 years old, a diabetic and had a heart attack in September 2016. He has made a great recovery and is now fit and ready to come visit us in New York, with my mum (70, no pre-existing conditions). But I'm having trouble finding travel insurance that would cover pre-existing conditions. I did find one plan but it only covers acute onset of pre-existing conditions up to USD20,000. I'm worried this will not be enough for any emergency situation, particularly since I don't know what kind of ailments could be interpreted as falling within the pre-existing conditions bracket. Can you help? They would like to travel around November 26 if possible. Or in early December. The trip would last about 28 days. Thanks very much and kind regards, Ravina

Ravina, 13 Nov 2017

All Travel Insurance policies, irrespective of which company you buy from, will provide coverage primarily for unexpected illnesses or injuries that occur after the policy becomes effective. Due to the short term nature of these plans, they do not offer much coverage for pre-existing conditions and preventive care. There are some policies that provide coverage for acute onset of pre-existing conditions for individuals above 70 however, it is also worth noting that an acute onset of a pre-existing condition can only be diagnosed as such by a doctor at the time of visit. Having said that, it is still important to obtain some coverage, rather than none. Given those limitations, two policies you may want to consider are Safe Travels USA Comprehensive and  Choice America. Before making a purchase, it is strongly recommended that you read the description of coverage for each plan to ensure that you are selecting the policy that best fits your parents travel needs.

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