Despite the fact that many people young and old suffer from pre-existing conditions, travel insurance companies are often reluctant to cover pre-existing conditions because they're deemed too high a risk. Consequently, travelers with pre-existing conditions are more likely to avoid traveling to countries where the cost of healthcare is high.
What exactly do insurance companies mean when they call an illness like arthritis or cancer a pre-existing condition?
Definition of Pre-existing Condition for Travel Insurance
In general, insurers regard pre-existing conditions as any illness that has been diagnosed or treated prior to the travel medical insurance plan's effective date. These are things like high blood pressure, diabetes, arthritis, heart problems, dialysis or cancer, among others.
Does Travel Insurance Cover Pre-existing Conditions?
Fortunately, there are some select visitors insurance plans, or travel medical insurance plans designed for visitors to the United States, that offer some form of coverage for pre-existing conditions, whether limited or coverage for the acute onset of pre-existing conditions.
Travel Insurance That Covers Pre-existing Conditions
At VisitorsCoverage, we offer the most extensive portfolio of A-rated travel insurance plans with pre-existing condition coverage that are perfect for visitors to the United States.
Here are our top 3 options for visitors medical insurance with pre-existing conditions coverage.
In addition to these plans, you can explore more plans for visitors to the U.S. with pre-existing conditions.
Tips For Travelers With Pre-Existing Conditions
Any time we travel, there are always some risks involved. Travelers with pre-existing conditions need to be especially mindful of this. The good thing is, there are ways to lower your chance of sustaining an injury or contracting an illness while abroad.
Here are some tips for staying safe and healthy on your next trip.
Get a Physical Performed
Get a thorough and complete medical checkup done before you travel to the U.S. This will be useful for your trip and also help diagnose any hidden medical issues. This also gives you peace of mind to travel worry-free and prepared.
Bring Your Medication
If you take any medication, bring extra doses. If your travel plans change, you'll want to make sure you have enough medication to last the entire trip.
Be Mindful of Your Health
Pay attention to your eating habits, exercise regularly and measure your blood pressure and sugar levels on a regular basis.
Be Prepared for Doctor Visits
Research doctors and medical facilities in the area you're traveling to so you're prepared if an issue arises.
Rest Often
Be aware of your limitations. Don't overexert yourself while traveling and take frequent breaks to rest.
Keep Company Informed
Inform your travel companions or tour guides of any serious medical issues or needs.
Travel With Peace of Mind
While people with pre-existing conditions may have to be more careful than other travelers, they don't have to give up their travel dreams. Opt for any one of these visitors insurance plans and set yourself up for a great trip to the United States!
Frequently Asked Questions
Do short term health insurance plans cover pre existing conditions?
Yes, some short-term health insurance plans do offer coverage for pre-existing conditions. View available visitor insurance plans with pre-existing condition coverage here.
What is a pre-existing condition?
A pre-existing condition typically refers to any medical condition an individual has prior to the start date of their insurance policy. Learn more about pre-existing conditions.
Is there travel insurance for seniors with pre existing conditions?
Depending on your age and the plan, there may be pre-existing condition coverage available for seniors under some specific policies. View our available visitors insurance policies and check benefits and eligibility requirements for more information.
