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Visitor Insurance for Diabetes 

Will travel insurance cover Diabetes? This is the most common question that travelers and visitors to the US have.  

Visitors insurance plans to the US provide coverage for illness and injury after the effective date not related to a pre-existing condition.  Preventative care, preexisting conditions, and maternity are typical exclusions on the policies.  However, some plans provide coverage for an acute onset of a preexisting condition.   

What is an acute onset of a preexisting condition?  

An acute onset of a pre-existing condition is defined as a sudden and unexpected recurrence of a pre-existing condition that occurs spontaneously and without advance warning (either in the form of physician recommendations or symptoms), is of short duration, is rapidly progressive, and requires immediate medical attention. 

It is important to understand how the plan defines a pre-existing condition as every plan defines pre-existing conditions differently.  

medical  insurance  for preexisting conditions for visitors in the US
Insurance for visitors with diabetes

What Visitors Insurance can  Cover & What it Excludes

Diabetes patients who visit the US often have concerns regarding their health insurance coverage as diabetes is considered a pre-existing condition. It is important to know that visitor insurance plans will not cover preventative care or regular treatment for an existing ailment. i.e. if you want to see a Doctor for an annual examination to see if your blood sugar levels are in control. Visitor insurance will not pay for insulin a traveler is already using before travel or for blood work done on a regular basis. Each insurance company has its own definition of a pre-existing condition and an acute onset of a pre-existing condition. Also, the lookback period for pre-existing conditions is different for different companies. 

Under plans such as  Safe Travels USA Comprehensive, a sudden onset of a pre-existing condition like a sudden flare-up of diabetes, diabetic coma, etc.  can be covered under acute onset benefits as long as it meets the policy criteria. On the other hand, plans such as Atlas America, Patriot International, Liaison Travel, and Visitors Care insurance, do not provide coverage for chronic pre-existing conditions such as heart disease, diabetes, etc. 

So, before you buy an insurance plan, it is important to get information on the pre-existing condition clauses. 

Understanding Diabetes

Diabetes or diabetes mellitus is a grouping of metabolic diseases in which a person has high blood glucose. The high blood sugar level is due to inadequate insulin production, failure of the body’s cells to respond appropriately to insulin, or a combination of both. People with diabetes experience frequent urination, excessive thirst, and hunger. Weight gain, unusual weight loss, fatigue, numbness, and tingling in hands and feet are also common symptoms. Estimates indicate that over 382 million people throughout the world have diabetes. 

There are 3 types of Diabetes are Type 1, Type 2, and Gestational.  

Type 1 Diabetes is a chronic condition in which the body does not produce insulin. People with Type 1 diabetes have to rely on insulin injections for the rest of their life. 

Type 2 Diabetes is a chronic condition that affects the way the body processes blood sugar. With type 2 diabetes, the body either doesn’t produce enough insulin, or it resists insulin. This type affects 90% of the population. 

Gestational Diabetes is a form of high blood sugar affecting pregnant women. Those who develop gestational diabetes are at higher risk of developing type 2 diabetes later in life. 

Can insulin and blood sugar be covered by visitor insurance?
Treatment For Diabetes

All types of diabetes are treatable. Diabetes type 1 has no known cure. Type 2 lasts a person’s lifetime typically, but some people manage to rid themselves of the Symptoms without medication through exercise, diet, and weight control. Treatment for individuals with type 1 diabetes includes regular insulin injections as well as dietary choices and exercise. Tablets, exercise, diet, and occasional insulin injections are the treatment for those with type 2 diabetes. 

Patients with Diabetes may be at a high risk of heart diseases and hence need to ensure the blood pressure and cholesterol levels are monitored and maintained. 

Visitors Insurance Plans that can Include Coverage for Acute Onset of Preexisting Conditions:

travel insurance for visitors with diabetes usa

Safe Travel USA Comprehensive

Safe Travel USA Comprehensive Insurance provides coverage for 1 acute episode per pre-existing condition covered up to policy medical max for non-cardiac ($25,000 limit for cardiac) conditions for 69y & under and for 70y & above the policy covers up to $35,000 for non-cardiac ($15,000 limit for cardiac) conditions. Pre-existing condition coverage is for acute onset only, and treatment within a 24 hour period is required. You can read more in the brochure.

Quote

Safe Travel USA Comprehensive

$66 / mo (for a 45-year-old with $50,000 plan maximum)
  • Coverage for Hospitalization, ER, Dr. Office Visits, Prescription Drugs
  • Urgent Care – $30 copay and No Deductible
  • Well Visit/Physical Check UP
  • In Network, Deductible and Co-insurance waived
  • Brochure
Purchase Now

1 acute episode per pre-existing condition covered up to policy medical max for non-cardiac ($25,000 limit for cardiac) conditions for 69y & under; covered up to $35,000 for non-cardiac ($15,000 limit for cardiac) conditions for 70y & above 

Safe Travel USA Comprehensive 

Non-US citizens and non-US residents visiting the US can consider the Safe Travels USA Comprehensive medical insurance policy. 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. 

Safe Travels USA Comprehensive waives the deductible and co-insurance if you use in-network providers. In the event you use out-of-network providers, the plan will pay 80% for the first $5,000 after your deductible has been met—and then 100% for up to the chosen policy maximum. Urgent care visits have a $30 co-pay. The plan offers a range of deductible options, ranging from $0 to $5,000. If you need athletic sports coverage, you can add the optional athletic rider. 

travel insurance for visitors with diabetes usa

Pay attention to your eating habits and measure your sugar on a regular basis as you travel if you have diabetes. If needed, you can pick up a diabetes monitoring kit at Walgreens. Also, keep your doctor’s contact information handy so you can keep in touch with him/her during your trip if required. Although diabetes is considered a pre-existing condition, some visitor insurance plans will cover the acute onset of a pre-existing condition. Research one of the high-quality plans mentioned above to find more information regarding visitor insurance coverage for diabetes. 

Visitor Insurance Diabetes FAQ

No, the plans will not cover you for regular blood tests or for insulin refills. The plans do not provide preventive care for preexisting conditions. The plans may provide coverage for an acute onset of pre-exising conditions. The plans define preexisting conditions differently. Typically, if the plans exclude chronic conditions then, preexisting conditions like diabetes will be excluded.  

Yes, diabetes is considered a pre-existing medical condition and will be excluded from coverage unless a policy states that it can cover an acute onset of a preexisting condition. 

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