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Visitors Insurance for High Cholesterol, High Cholesterol Travel Insurance
Insurance companies generally design their travel health insurance policies for people with optimum health. These policies hardly consider people with chronic pre-existing conditions such as high cholesterol, cardiovascular illnesses, etc. Hence, when people have pre-existing conditions travel, the guidelines do not cover the cost of their medical treatment leaving a massive hole in the patients' pockets.
If you suffer from high cholesterol, it is mandatory to purchase travel insurance with high cholesterol coverage before planning your trip. Although pre-existing conditions are excluded in travel health insurance policies, the Visitors Insurance for High Cholesterol offer coverage for an acute onset of the pre-existing condition such as high blood pressure.
Finding suitable visitor insurances for patients with pre-existing conditions is challenging. Visitors Guard is here to help people with high cholesterol purchase the perfect high cholesterol travel insurance.
Popular Plans for Visitors Insurance for High Cholesterol
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 High Cholesterol
High cholesterol leads to a lot of fatal health problems. If you are a patient with high cholesterol, you must be aware of this. While you travel, it is always wise to buy a Visitors Insurance for High Cholesterol beforehand. Below are the benefits of travel insurance with high cholesterol coverage.
- Fast Medical assistance: No matter where you travel, a Visitors Insurance for High Cholesterol will compensate for medical expenses if need be.
- Covers transportation cost: If you need immediate transportation to a better medical facility, the charge is on the insurer.
- A pre-existing condition covered: acute onset of a pre-existing condition is covered. That means the insurance will pay for treatment regarding high cholesterol.
- Covid-19 protection: All health insurance plans cover the cost of treatment against the coronavirus.
- Critical Illness treatment: Your Visitor Insurance plans will cover you for illnesses and injuries that happen aft
Why choose us for Visitors Insurance for High Cholesterol
If you are purchasing high cholesterol travel insurance, It is better to seek the guidance of an expert before buying it. Visitors Guard offers the assistance you need. Here are a few of the many reasons why you should choose us.
- Multiple Insurance options: Several insurance companies are offering their insurance plans. Visitors Guard is the best place to compare, evaluate and purchase your insurance.
- Expert insurance assistance: If you are a first-timer purchasing insurance all by yourself. Our insurance experts will walk you through the process and help you choose the best insurance plan fit for your needs.
- Affordable policies: If you wish to choose an insurance policy covering all your needs but has a pocket-friendly premium, Visitors Guards is here to help.
- Global Support: People from all over the world choose visitors. Guard to be their 1st choice. We sell insurance worldwide.
- 24/7 support: We attend to customer calls all the time on our round-the-clock helpline. Call us if you have a query or doubt.
Tips for People Who Are Travelling with High Cholesterol
When you’re a high cholesterol patient, it is best to buy travel insurance with high cholesterol coverage. But to prevent an acute onset of the condition, various lifestyle changes will help you lower your cholesterol levels and bring them under control. Dietary restrictions include eating less fatty meat–and less meat and adding more fruits and vegetables to your regular meals. Regular exercise also helps, as well as quitting smoking.
Before taking out any travel insurance policy or special coverage, be sure that you understand the details. Ask an agent about questions you have before purchasing.
Can Visitor Insurance Policies Cover High Cholesterol?
Yes! It is possible to purchase travel insurance with high cholesterol. However, many Visitor Insurance policies typically exclude pre-existing conditions in coverage. But, the Acute Onset of a pre-existing condition is covered in most travel health insurance plans. To be 100% sure, get enough information on the pre-existing condition clauses of your chosen travel health insurance policy. Make sure high cholesterol fits into the insurance company's list of pre-existing conditions.
Safe Travels USA and Safe Travel Comprehensive Plans provide coverage for sudden onset like heart attack, stroke, etc., of a pre-existing condition like cholesterol. Suppose it takes place suddenly and without warning. However, these plans do not cover routine care, blood work, and medication of cholesterol.
Most other plans, i.e., Patriot Series, Atlas Travel provide coverage for an acute onset of pre-existing conditions as long as it is a non-chronic condition. High cholesterol, diabetes, etc., typically falls under chronic conditions.
What is High Cholesterol?
The body naturally produces certain lipids (fats) in the liver. These are classified into two main types – good (HDL) and bad cholesterol (LDL). Additional amounts come from the food you eat – mainly from fatty meats. When there is too much bad cholesterol, it can accumulate along the walls of your arteries and cause blockages. Having the right levels of HDL can help prevent this problem
Ongoing High Cholesterol Levels can be a serious problem. As it accumulates, it can cause:
- A narrowing of your arteries
- Coronary heart disease
- A heart attack
- A mini stroke (TIA)
- A stroke.
But sometimes due to our terrible life choices lead to high cholesterol, which may impact our health and our savings. Hence purchasing travel insurance with high cholesterol coverage is recommended.
Treatment
Getting treatment for high cholesterol levels will usually mean medications and restrictions in your diet. Even though your cholesterol levels are under control, it does not mean you will be able to avoid paying more for travel insurance.
What Visitors Insurance will Cover and Exclude
Visitors Insurance typically covers many health issues, but these will vary from one company to the next. Typically, the coverage usually provides funds for medical situations unrelated to a pre-existing condition or connected to a pre-existing condition.
It may exclude a pre-existing condition, mainly if a doctor has treated the pre-existing condition, such as high cholesterol in the recent past.
The coverage is called a waiver of a pre-existing condition. You may also want to get an acute onset of a pre-existing condition coverage if there is a possibility that the disease may return – or if you are taking medication for it. In some cases, the benefit may only apply to conditions not generated or reoccurred within the past 12 months.
When you consider the prices at primary clinics and hospitals, it is easy to understand why coverage is so important. The Coronary Care Unit and Intensive Care is $4,479 per day. A CBC blood test is $78. Many treatments must be pre-certified before you receive them, too. In Manhattan, a doctor’s visit will cost an average of $108. Cholesterol medication, Crestor, will cost about $275 for a 30-day supply. It makes purchasing a Visitors Insurance for High Cholesterol extremely essential.
Comprehensive Insurance Plan for High Colestrol
The Safe Travel USA Comprehensive is underwritten by Crum and Foster. This policy provides accident and sickness medical coverage for individuals traveling outside their home country. The policy can be bought from 5 days to 1 year and later renewed for a total of 24 consecutive months. The policy provides various options for coverage starting at $50K through $1M. An Urgent Care visit has a $30 copay. If you are treated by an in-network provider your deductible and coinsurance are waived.
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, any coverage related to cardiac disease or condition 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. Safe Travel USA Comprehensive can be bought as a Visitors Insurance for High Cholesterol.
Definition of a Pre-existing Condition for Safe Travel USA Comprehensive:
A Pre-Existing Condition is a chronic or a congenital condition that gradually becomes worse over time and needs regular medical care, drugs, or treatments. If it exists before the Effective Date, it is not considered an Acute Onset. A high cholesterol travel insurance covers only ONE (1) Acute Onset episode of a Pre-Existing condition.
Safe Travels USA Comprehensive Insurance
Safe Travels USA comprehensive insurance policy 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
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Visitors Insurance for High Cholesterol FAQ
Yes! As long as your doctor clears you, there is no reason you cannot travel. It is always good to buy a Visitors Insurance for High Cholesterol (e.g., Safe Travel USA comprehensive) beforehand.
Travel insurance applications do not require you to declare any medical condition. Everyone applying for travel insurance gets coverage irrespective of an underlying medical condition. All plans may not cover an underlying medication and hence it is a good idea to read the coverage and exclusions on the plan.
Yes, high cholesterol is considered a pre-existing condition by most visitor insurance plans.
Most insurance plans define Pre-Existing Condition(s) as any health issue at the time of application or before the Effective Date of Coverage under the Certificate. Each Visitors Insurance has its list of pre-existing conditions; it is advisable to read the documents thoroughly before purchase.
Visitors Travel Insurance applications do not require you to declare any medical condition while applying for the policy. The visitor medical insurance plans do not provide coverage for pre-existing conditions. However, many policies can provide coverage for an acute onset of pre-existing conditions. It is good to check the policy details on how the plans cover the acute onset of pre-existing conditions.
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