

Yes, you can get health insurance even if you have a pre-existing condition. However not all plans provide coverage for pre-existing conditions. Many plans offer coverage for a pre-existing condition only if you have an acute onset. Each plan has its own definition of pre-existing condition and how it would cover an acute onset depending on if the condition is chronic or non-chronic. If you have a medical issue , and if the doctor clears you for travel, it is not going to stop you from visiting unfamiliar places and exploring new cultures in the world. Visitor Guard® visitor insurance plans with acute onset of pre-existing coverage can make you travel safely in various parts of the world. Differentiating between the pre-existing and acute onset of pre-existing can be difficult for you, which is why you have us! Read on to know our outstanding plans.
Apart from these comprehensive medical insurance plans for pre-existing conditions listed above, there are limited plans- Visitor Care Insurance, and Safe Travel Elite. To know which plan suits you the most, contact us.
Yes, under the Affordable Care Act, health insurance companies cannot refuse to cover a pre-existing condition or ask an individual to pay more premium for covering pre-existing conditions because you had a health problem before the effective date of the coverage. However, ACA plans are available only for citizens and residents of the US and not for visitors.
A pre-existing condition exclusion waiting period is the length of time after the start date of an insurance policy that a person must wait before any pre-existing conditions are covered. The time length before the start of the coverage can vary. It can be anywhere from 30 days to 6 months or longer. The waiting period is often longer for individually purchased policies. These waiting periods are typically available only on the international student plans and not the visitor insurance plans.