What exactly do insurance companies mean when they call an illness like arthritis or cancer a pre-existing condition? 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.
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. Fortunately, visitors insurance, a type of travel medical insurance specifically designed to meet the needs of foreign travelers visiting the United States (and in some cases Mexico or Canada), includes a number of plans that cover pre-existing conditions.
Top 3 Travel Medical Insurance Plans for Pre-existing Condition Coverage
We offer the most extensive portfolio of A-rated travel insurance plans with pre-existing condition coverage perfect for visitors to the United States. While you can easily research and compare travel medical plans on our comprehensive marketplace, we've pared the list down to the top three visitors insurance plans for pre-existing conditions. Remember, though, while all plans offer coverage for urgently needed medical care, restrictions may apply. Review all plan documentation to ensure that you understand the requirements and restrictions of the coverage and can verify that your particular pre-existing condition is covered before you make a purchase
In addition to these plans, you can explore more plans for visitors to the U.S. with pre-existing conditions.
Travel Insurance 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 that there are ways to lower your chance of sustaining an injury or contracting an illness. Here are some tips for staying safe and healthy on your next trip:
- 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.
- 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.
- Pay attention to your eating habits, exercise regularly and measure your blood pressure and sugar levels on a regular basis.
- Research doctors and medical facilities in the area you're traveling to so you're prepared if an issue arises.
- Be aware of your limitations. Don't overexert yourself while traveling and take frequent breaks to rest.
- Inform your travel companions or tour guides of any serious medical issues or needs.
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.