Health Insurance for Non-US Citizens with Pre-Existing Conditions

Know about health insurance for non-us citizens with pre-existing conditions

The primary thing that you must do is purchase a travel insurance plan when you decide to visit the US. An ailment can occur anytime during the trip and can mar your vacation.

The health insurance policies can cover medical illnesses and emergencies that may happen during your stay abroad, but unfortunately these policies do not might not cover any medical condition that already exists before the effective date of the policy.

However, the good news is that there are certain insurance companies that can provide coverage for some acute onset of medical conditions that may arise during your trip without any extra cost. Let us understand that.

Pre-existing conditions vs. Acute onset of pre-existing conditions

In the world of insurance, pre-existing conditions and acute onset of pre-existing conditions are two different concepts. The major difference between the two is that insurance companies may cover the latter but not the former.

Pre-existing conditions

Often any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application whether or not previously manifested, symptomatic, or known, diagnosed or treated, prior to the effective date of application is typically considered a pre-existing condition. All subsequent, chronic, or recurring complications or consequences related to these conditions are typically excluded from coverage. Each insurance company has its own pre-existing condition definition and it is important to see how it is defined before buying the plan. Conditions like diabetes, heart diseases, mental illness, arthritis, physical disabilities, and more are typically considered pre-existing conditions.

Travel medical insurance plans are supposed to cover new illnesses or injuries during your stay in the US and not for a medical condition that you have received treatment in your home country. For instance, pregnancy is considered a pre-existing condition and is excluded from coverage, but if there are some new illness or unexpected injuries you face in the US, the policy can cover those.

Acute onset of pre-existing conditions

does notEach policy has its own definition for an acute onset of a pre-existing condition. But typically, a sudden and unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care can be considered an acute onset of pre-existing condition. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time does not fall in the acute onset of pre-existing condition. An acute onset of pre-existing condition does not include any condition for which the insured person knew or foresaw would receive or had scheduled or was told that medical care or treatment must be received for the condition. For instance, asthma can be sudden,  and can lead to severe consequences if not treated at the right time. This can be considered an acute onset of a pre-existing ailment. However, the conditions may change from one plan to another.

What conditions are considered pre-existing conditions?

If you have been taking medication for anything or have seen the doctor for an illness/injury or if anything exists at the time of application if you know it or you do not is typically considered a pre-existing condition. If you are taking medication for diabetes, high blood pressure, cholesterol, arthritis, and other conditions or have been diagnosed with these or any other conditions, that would be considered a pre-existing condition and excluded from coverage. Most travel visitor insurance plans will not include pre-existing conditions coverage. This means that any care related to a health problem that you have or had before starting your trip will be excluded from coverage.

Each individual plan will have its own definition of a pre-existing condition. Review individual plan definitions to understand what the plan considers a pre-existing condition. How can you buy health insurance with pre-existing conditions?

There are two ways:

• Purchase from insurance companies directly- visit their website, choose a plan, and make the payment.
• Purchase from an insurance provider like us, Visitor Guard® where you can compare all the available plans and get quotes easily. You can find numerous comprehensive and limited plans for visitors with protection for an acute onset of a pre-existing condition on our website.

Some of the popular plans for non-US citizens are Safe Travel USA Comprehensive, Patriot America Plus, Atlas America, and more. Call us for more assistance.

Things You Need to Know about Health Insurance for Non-US Citizens with Pre-Existing Conditions

The primary thing that you must do is purchase a travel insurance plan when you decide to visit the US. An ailment can occur anytime during the trip and can mar your vacation.

do not. The health insurance policies can cover medical illnesses and emergencies that may happen during your stay abroad, but unfortunately these policies do not might not cover any medical condition that already exists before the effective date of the policy.

However, the good news is that there are certain insurance companies that can provide coverage for some acute onset of medical conditions that may arise during your trip without any extra cost. Let us understand that.

Pre-existing conditions vs. Acute onset of pre-existing conditions

In the world of insurance, pre-existing conditions and acute onset of pre-existing conditions are two different concepts. The major difference between the two is that insurance companies may cover the latter but not the former.

Pre-existing conditions

Often any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application whether or not previously manifested, symptomatic, or known, diagnosed or treated, prior to the effective date of application is typically considered a pre-existing condition. All subsequent, chronic, or recurring complications or consequences related to these conditions are typically excluded from coverage. Each insurance company has its own pre-existing condition definition and it is important to see how it is defined before buying the plan. Conditions like diabetes, heart diseases, mental illness, arthritis, physical disabilities, and more are typically considered pre-existing conditions.

Travel medical insurance plans are supposed to cover new illnesses or injuries during your stay in the US and not for a medical condition that you have received treatment in your home country. For instance, pregnancy is considered a pre-existing condition and is excluded from coverage, but if there are some new illness or unexpected injuries you face in the US, the policy can cover those.

Acute onset of pre-existing conditions

does notEach policy has its own definition for an acute onset of a pre-existing condition. But typically, a sudden and unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care can be considered an acute onset of pre-existing condition. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time does not fall in the acute onset of pre-existing condition. An acute onset of pre-existing condition does not include any condition for which the insured person knew or foresaw would receive or had scheduled or was told that medical care or treatment must be received for the condition. For instance, asthma can be sudden,  and can lead to severe consequences if not treated at the right time. This can be considered an acute onset of a pre-existing ailment. However, the conditions may change from one plan to another.

What conditions are considered pre-existing conditions?

If you have been taking medication for anything or have seen the doctor for an illness/injury or if anything exists at the time of application if you know it or you do not is typically considered a pre-existing condition. If you are taking medication for diabetes, high blood pressure, cholesterol, arthritis, and other conditions or have been diagnosed with these or any other conditions, that would be considered a pre-existing condition and excluded from coverage. Most travel visitor insurance plans will not include pre-existing conditions coverage. This means that any care related to a health problem that you have or had before starting your trip will be excluded from coverage.

Each individual plan will have its own definition of a pre-existing condition. Review individual plan definitions to understand what the plan considers a pre-existing condition. How can you buy health insurance with pre-existing conditions?

There are two ways:

• Purchase from insurance companies directly- visit their website, choose a plan, and make the payment.
• Purchase from an insurance provider like us, Visitor Guard® where you can compare all the available plans and get quotes easily. You can find numerous comprehensive and limited plans for visitors with protection for an acute onset of a pre-existing condition on our website.

Some of the popular plans for non-US citizens are Safe Travel USA Comprehensive, Patriot America Plus, Atlas America, and more. Call us for more assistance.