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Q
My mother is currently in the hospital and I need to have 6 months medical coverage for her in Florida. Starting from September 17, 2016 - March 17, 2017. Are you are to insure her at the age of 76. Also she is visiting from Jamaica.
  
Valetta, 25 Sep 2016
A
Unfortunately, there is no coverage available for things that have already happened. Things that have already happened are considered pre-existing conditions. pre-existing conditions are not covered under any type of travel medical insurance due to the short-term nature of the plans.   The only thing that is covered in relation to a pre-existing condition is something diagnosed as an acute onset of a pre-existing condition. An acute onset of a pre-existing condition is a sudden and unexpected recurrence of a pre-existing condition and is up to the doctor's diagnosis.   Customarily, travel medical insurance covers anything new that happens, emergency and non-emergency both; like a new illness, sickness, or injury that happens after the policy starts. There are many policies that also cover an acute onset of a pre-existing condition.   For your mother in her 70's, the best policy that also covers an acute onset of a pre-existing condition is Safe Travels USA Comprehensive.   You can get quotes and purchase Safe Travels USA Comprehensive here.   After your deductible, Safe Travels USA pays 80% of the first $5,000 billed, and then 100% thereafter up to the policy maximum. You can choose your deductible in the plan application. When choosing a deductible of $0, you are minimizing your out-of-pocket expense if you were to ever use the insurance.   You can learn more about the plan in the brochure.   You can also view the Description of Coverage.   You will need her passport number and date of birth to purchase the plan.   You can also view, compare, and purchase any of our plans here.

 

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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 For this reason, it is possible that the information given here could be outdated or incorrect.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.