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Q

If I am in the USA an my hemorrhoid starts to act up. Which plan would cover me for doctors visit or possibly a surgery? How much would it cover?

  
K, 05 Nov 2017
A

The purpose of travel medical insurance is to cover any new and unexpected injuries, illnesses, and accidents that occur after the policy goes into effect. Due to the short-term nature of the plans, travel medical insurance does not provide coverage for pre-existing conditions. That being said, while most travel insurance plans do not cover pre-existing conditions themselves, there are plans that do offer some coverage for an acute onset of a pre-existing condition. An acute onset of a pre-existing condition is defined as a sudden and unexpected recurrence of a pre-existing medical condition. It is extremely important to note that only the doctor can diagnose an acute onset as such and the diagnosis can only be done at the time of visit. If you are looking for a plan that may provide you with some coverage for an acute onset of a pre-existing condition, Liaison Continent A is recommended. For more information on acute onset of a pre-existing conditions, please refer to the article, Acute Onset of Pre-Existing Conditions Explained.

 

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