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Visitors Insurance For Heart Attack & Heart Conditions
A relaxing vacation is the best way to destress chronic cardiovascular patients. However, it’s important to purchase heart attack travel insurance before planning any trip. Visitor Guard® is here to offers you the perfect Visitors insurance for heart attacks and other heart conditions.
After receiving a green signal from your physician, the Visitor Guard® is here to watch your back as you travel to your heart's content, without worrying about your heart conditions. There’s no reason why your heart condition should prevent you from enjoying a tranquil holiday.
And if there is an episode of any heart-related trouble. You can seek the medical attention you need, without worrying about the expense.
As our insurance for heart conditions covers the cost of treatment and hospital admissions if you require treatment for your heart ailment while traveling.
Popular Plans for Visitors Insurance For Heart Attack
Safe Travel USA Comprehensive
$73 / mo (for a 45-year-old with $50,000 plan maximum)- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $5000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
- Coverage for 1 episode of Acute Onset of Pre-existing conditions
- Coverage from 5 days to 364 days
- Brochure
Safe Travels Elite
$38 / mo For age 45 year with $50,000 plan and $0 deductible- Plan maximum limits ranging from $25,000 to $170,000
- Deductible options $0; For ages 79 to 89 yrs: $100, $200
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for 1 Acute Onset of Pre-existing conditions
- Coverage from 5 days to 364 days
- Brochure
Safe Travel USA INSURANCE
$70 / mo For age 45 year with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $5000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
- Coverage for 1 episode of Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
- Brochure
Benefits of Visitors Insurance for Heart Attack
Heart patients need medical help in a matter of minutes after experiencing any symptoms. It is always advisable to have heart attack insurance, handy while traveling. An insurance policy will not only compensate for the expense but also offer the following advantages.
- Treatment cost coverage: A Visitors Insurance for Heart Attack will cover the expense of the treatment and associated expenses, like hospitalization, transportation, prescribed drugs, etc.
- Compensated for the loss of your income: Some insurance policies compensate for the earning loss incurred by the patient due to heart conditions. It can be used to cover household expenses.
- Pre-existing condition coverage: Acute and onset of any pre-existing condition occurring while you travel will be covered.
- Keep up with the rising medical bill: The rising medical bill will not lead you to bankruptcy, as the insurance will bear the majority of the expense.
- Covers Timely check-ups: If you plan on traveling abroad for a long period, your travel insurance with a heart condition will cover the cost of regular health check-ups.
Why choose us for Visitors Insurance for Heart Attack.
There are multiple insurance companies in the market providing Visitors Insurance for Heart Attacks. But Visitor Guard® offers much more than just an insurance policy. Here are the reasons why you should choose us.
- Choice of Insurance Policies: We offer insurance policies from different insurance companies under one roof. You can compare and choose the best one.
- Expert Assistance: It may be confusing to pick one policy from the sea of options available. Worry not our experienced insurance agents will guide and assist you throughout the process.
- Budget-friendly Policies: If you have a limited budget, you can choose the best policy with maximum coverage and affordable premium, with the help of our agents.
- Global Reach: We sell insurance to clients from all corners of the world. With Visitors Guard, the best travel insurance with a heart condition is just a few clicks away.
- 24/7 Assistance: You have a query or complaint regarding any of our policies or services. Connect with us anytime on our 24/7 helpline.
What Visitors Insurance For Heart Attack Covers and Excludes
A Visitors Insurance policy generally does not compensate for a pre-existing condition. However, if you have a heart condition while buying a policy, you need not list it as a pre-existing condition unless and until you had a heart condition episode during the look-back period.
Depending on the pre-existing conditions clause of the plan, you may receive coverage if the condition has been stable and hasn’t required hospital treatment or medical attention for the lookback period.
The duration for the look-back period differs across different heart attack insurance plans. Usually, it’s between 60 and 180 days. However, the look-back period for some policies may be as long as 3 years prior to the start of the plan.
A Pre-Existing Condition that is a congenital condition or that gradually becomes worse over time will not be considered as an acute onset and hence, will not be covered by insurance.
Which Visitor Insurance Policies Covers Heart Conditions?
Visitor Guard® has some amazing Visitors' Insurances that cater mostly to pre-existing conditions like heart conditions, etc. The best amongst those are plans such as Safe Travels USA Comprehensive, Safe Travel USA and Safe Travels International provide coverage for sudden onset of a pre-existing condition like heart attack, stroke, etc. which takes place suddenly and without warning. However, these plans do not cover routine care and medication for heart disease or high blood pressure.
Most other insurances for heart conditions like Patriot Series, Atlas Travel provide coverage for an acute onset of pre-existing conditions as long as it is a non-chronic condition. Heart conditions, diabetes, etc. typically fall under chronic conditions.
Before you purchase a Visitors Insurance for Heart Attack, it is best to get enough information on the pre-existing condition clauses to make sure that the specific pre-existing condition fits into the company’s definition of pre-existing conditions.
Visitors to the US often ask:
- Is high Blood Pressure a pre-existing medical condition?
Yes! High blood pressure or hypertension is a dangerous condition and can contribute to other conditions. It is usually defined as a pre-existing condition for travel insurance applications. - Will Visitor Health Insurance pay for a refill of prescription drugs for a heart condition?
No, if you are taking medications for a heart condition, it would be considered a pre-existing condition. Conditions for heart attack and stroke can be covered by some visitor insurances for Heart Attacks if they are acute onset of a chronic pre-existing condition. - Is stroke considered a pre-existing condition?
Yes, for visitor health insurance pre-existing condition like stroke is also usually considered to be a pre-existing condition and excluded from coverage, if and only if the applicant suffered from it during the lookback period. Based on the age, some plans can cover the acute onset of a pre-existing condition such as stroke.
- What is an Acute Onset of a Pre-existing condition?
A sudden and unexpected outbreak or recurrence of a Pre-existing Condition, which occurs spontaneously and without warning, either in the form of Physician recommendation or symptoms which would have caused a prudent person to seek medical attention before the outbreak or recurrence. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Best Heart Attack Travel Insurance in USA
Visitor Guard® offers you the best Visitors Insurance for Heart Attack, underwritten by Crum and Foster, this policy provides accident and sickness medical coverage for individuals traveling outside their home country. The heart attack insurance policy can be bought from 5 days to 1 year and later renewed for a total of 24 consecutive months.
How is an acute onset of a pre-existing condition covered by Safe Travel USA Comprehensive insurance?
- For ages up to 69 years, the policy provides coverage for an acute onset of a pre-existing condition up to the chosen Medical Policy Maximum purchased per Period of Coverage. However, this Visitors Insurance for Heart Attack policy provides limited coverage related to cardiac disease or similar conditions. Coverage is limited to $25,000 for ages up to 69 years and $15,000 for ages 70 and above. Upon attaining age 70, Acute Onset benefits are reduced to a maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat/reoccurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
- A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing condition. Sudden and Acute Onset of a Pre- Existing Condition Coverage expires upon medical advice that the condition and Onset are no longer acute or you are discharged from a medical facility.
Can you get travel insurance after a heart attack?
Yes, you can buy a travel insurance policy after a heart attack. Medical conditions like cardiovascular diseases should not stop you from traveling or having fun on a trip. However, finding the right plan that covers your medical needs can be challenging as visitor insurance plans do not cover pre-existing conditions. Rather, some plans can cover the acute onset of pre-existing conditions.
If you have a heart attack or have been diagnosed with heart-related problems, you must pay extra attention while buying a travel insurance policy. Though, you need not declare your condition to your insurance provider or submit your medical exam or a note from your doctor proving you are fit to travel, it is a good practice to have a medical exam done before you starting your travel.
Heart disease is considered a pre-existing condition. Visitor insurance plans do not cover pre-existing conditions; instead, these plans can cover only the acute onset of pre-existing conditions. There is no restrictions on buying a travel insurance policy after a heart attack, however the policy may not cover you if you have another heart attack during the trip. Typically, under the acute onset of pre-existing condition, your policy may cover you for a new complication within 24 hours of the first symptom that may arise due to your poor cardiovascular health. Talk to your insurance provider before buying a plan.
Buy Heart Attack Travel Insurance
Safe Travels USA comprehensive insurance policy is the best Heart Attack Travel Insurance that provides medical insurance to non-US citizens and non-US residents while visiting the US. The policy offers coverage for covered medical expenses including hospitalization, surgery, physician visits, and prescriptions. The plan includes one acute onset of pre-existing condition coverage and one well-check visit per policy. For more details, you can review the Brochure.
Purchase now
Tips for Visitors Insurance For Heart Attack
If you’re traveling with heart disease, consider these tips:
- Select your destination prudently
Think carefully about where you plan to go and what you’ll probably do once you arrive there. For instance, a trip to Athens might entail lots of walking, which could place undue stress on your heart. You should also consider public transport.
This is especially significant in warmer climates, where the heat can drain your energy. Moreover, you should consider medical care provisions and whether you’ll have easy access to expert help in case of a medical emergency. Beware that some islands might not have emergency and accident facilities - Arrange the appropriate travel cover
Most people arrange travel insurance before going on a holiday. Take your time to research what's accessible. Specialist policies giving travel insurance with heart condition coverage will pay out if your condition forces you to cancel your trip. An early arrangement will give you the needed peace of mind to enjoy your holiday. - Organize your medication early
It’s imperative you sort your medication before traveling for any duration. If you’re entitled to free prescription services in your home country, the same might not apply in another country. Therefore, ensure you're stocked up before you have to leave.
Take additional medication just in case and maintain a list of prescribed medications, including known names in case you require more in an emergency. - Read your Policy Carefully before Purchase Visitors Health Insurance Policies have a ton of terms and conditions scattered throughout the policy documents. Make sure to read all of them before you purchase the policy. Especially in case of heart conditions, choose travel insurance with a heart condition policy, this will cover the expense of any heart-related issues faced by the policyholder during his/her travel.
Visitors Insurance For Heart Attack FAQ
Yes, heart attack can be covered under a visitor medical insurance plan provided it was not due to a pre-existing condition. If the heart attack was due to a pre-existing condition, visitors insurance may cover the heart attack for visitors depending on the plan you opt for. Many insurance plans cover an acute onset of a non-chronic condition. As heart conditions are considered chronic conditions, they are excluded from coverage by the Atlas travel, Patriot America Plus. Safe Travel USA Comprehensive offers some medical coverage for visitors due to a pre-existing condition for one acute onset episode for heart conditions.
No, none of the plans offer coverage for a planned heart surgery for visitor to the US.
Many visitor insurance plans for visiting parents to USA offer coverage for an acute onset of pre-existing condition. However, there are very few plans that can offer coverage for an acute onset of chronic pre-existing condition pre-existing. As high blood pressure or cholesterol fall under chronic conditions not all plans will cover the hospitalization. Safe Travel USA Comprehensive plan can provide some coverage in the event of an acute onset of preexisting condition like heart conditions resulting in hospitalization.
No, refill of prescription drugs for an existing condition is not considered a pre-existing condition.
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