- Coverage for pre-existing conditions and the acute onset of pre-existing conditions are different.
- The pre-existing condition benefit can cover the unexpected worsening of a pre-existing condition.
- The acute onset of pre-existing condition benefit can cover the sudden recurrence of a pre-existing condition.
- Most travel insurance plans do not offer coverage for pre-existing conditions.
Shopping around for insurance for visitors to the U.S. involves a lot of thought and energy, especially if the visitor has a pre-existing condition. While researching policies, you may encounter a benefit listed as coverage for the acute onset of pre-existing conditions, rather than just coverage for pre-existing conditions.
At first glance, you may think that an acute onset of pre-existing conditions benefit covers pre-existing conditions. However, there are key differences when it comes to coverage for pre-existing conditions and coverage for the acute onset of pre-existing conditions, so it is important to understand the distinctions between the two to choose the right plan.
What Are Pre-Existing Medical Conditions?
Although the definition of a pre-existing medical condition may vary from plan to plan, generally, pre-existing conditions refer to medical conditions or other health issues that existed in the policyholder before the effective date of the individual’s travel health insurance plan. A condition could be considered pre-existing even if the individual was unaware that they had such a medical condition before enrolling for their policy.
Some of the commonly recognized pre-existing conditions can be chronic illnesses like diabetes, high blood pressure, asthma, and more. This can include chronic injuries as well, such as back pain. Pre-existing conditions will vary from person to person depending on their unique medical history and records.
What Is Acute Onset Of Pre-Existing Conditions?
When it comes to the acute onset of pre-existing conditions as it relates to travel insurance benefits, this refers to the sudden and unexpected occurrence or manifestation of a prior health condition, with no forewarning by a doctor or medical professional and no advance warning of symptoms.
Also, for treatment for the acute onset of pre-existing conditions, the medical event must be an emergency or life threatening and typically, treatment must be obtained within 24 hours of the sudden outbreak in order to be eligible for coverage.
Pre-existing Conditions vs. Acute Onset of Pre-existing Conditions Coverage
When looking at the coverage for these types of benefits, it is important to know the difference, especially if you have had a medical condition in the past or currently suffer from one.
Pre-existing conditions coverage can cover a policyholder in the event that an eligible medical condition suddenly worsens during one’s travels and requires medical care.
Acute onset of pre-existing conditions coverage can offer coverage for the sudden and unexpected recurrence of a pre-existing condition that is not considered chronic or that the policyholder is currently taking medication for.
Travel Insurance for Pre-Existing Conditions
If you have a pre-existing condition, you may want to consider a travel insurance plan that offers coverage for pre-existing conditions. The following plans can offer coverage for pre-existing conditions or the acute onset of pre-existing conditions.
Choosing the Right Pre-existing Conditions Policy
To find the right pre-existing condition travel insurance plan, it’s important to analyze the fine print of the insurance policies thoroughly and make an informed decision.
It’s also important to understand the difference between coverage for pre-existing conditions and the acute onset of pre-existing conditions so you can choose a plan that best fits your needs.
Secure Pre-existing Conditions Coverage Through VisitorsCoverage
When shopping for travel medical insurance policies, it’s a good idea to inquire with a licensed insurance agent when considering a policy that covers an acute onset of pre-existing conditions because of the complexity of the coverage.
If you have any questions or need assistance, our Customer Success Team of licensed insurance experts is happy to help.
Frequently Asked Questions
Does travel insurance cover pre-existing conditions?
Most travel insurance plans do not offer coverage for pre-existing conditions. However, some plans can offer coverage for the acute onset of pre-existing conditions or limited pre-existing conditions coverage.
How do I choose between a pre-existing condition coverage plan and an acute onset of pre-existing condition coverage plan?
When selecting a travel insurance plan, it is important to evaluate your own needs. If you have a pre-existing condition that you are afraid could worsen during your travels, you may opt for a pre-existing condition coverage plan.
When are pre-existing conditions covered in travel insurance?
Plans that cover pre-existing conditions often only offer coverage if your condition worsens rapidly and unexpectedly and requires emergency medical attention. It’s important to review a plan’s policy wording to understand coverage details.
Is pregnancy a pre-existing condition?
Yes, most travel insurance companies will consider pregnancy a pre-existing condition.
What is considered a pre-existing condition?
Any condition that a policyholder had before the start date of their plan, such as heart disease, high blood pressure, or diabetes, can be considered a pre-existing condition.
Can I get travel insurance with pre-existing condition?
Yes, individuals with pre-existing conditions can still get travel insurance coverage. Coverage would protect the traveler from illnesses or injuries that occurred during their trip unrelated to their pre-existing condition.
