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Visitor Insurance for Arthritis

Visitor Guard® is a Virginia-based agency specializing in visitor insurance. We offer the best quality Visitor Insurance for Arthritis in the USA. Contact us to get your Arthritis Travel Insurance.

Is arthritis a pre-existing condition, and will the visitor’s medical insurance cover it while traveling? This is one of the largest concerns for visitors when traveling outside of their home country. It is not uncommon to see travelers with arthritis taking medication to regulate the pain while visiting family living in the US.  If your doctor clears you to travel, arthritis should not stop you from taking a vacation. 

The common question that many visitors to the US ask is: if I buy visitors insurance, will the policy cover me for arthritis?     

Arthritis is considered a pre-existing condition which means it may or may not be covered. Be sure to understand the benefits and exclusions of the policies you are considering to find the plan that best suits your needs.  

There are various policies now that offer coverage for an acute onset of a pre-existing condition

 

Visitor Insurance for Arthritis

Popular Plans for Visitor Insurance for Arthritis

Safe Travel USA Comprehensive

$66 / 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 2 years
  • Brochure
Purchase Now

Safe Travels Limited Benefits

$30 / mo For age 45 year with $50,000 plan and $100 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 2 years
  • Brochure
Purchase Now

Safe Travel USA INSURANCE

$62 / 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
Purchase Now
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What will Visitors Insurance Cover and Exclude? 

Visitors to the US traveling with a pre-existing condition like arthritis need to be sure that they understand the conditions of their visitors insurance policy.  Visitor insurance plans will cover you for illnesses and injuries that happen after the effective date of the plan which are not linked to a pre-existing condition. Many plans will include benefits for an acute onset of a pre-existing condition for people under the age of 70 years. Some plans may extend this benefit to travelers above the age of 70 years. Depending on the plan, this benefit may not cover arthritis and other conditions that are be considered congenital or chronic. 

Pre-existing conditions are medical conditions that may have existed up to two years prior to obtaining the coverage. Whether or not an official diagnosis or treatment was given by a doctor, if the condition exists within the look back period, it will be considered pre-existing. Different companies will use different lengths of time to determine pre-existing conditions, so be sure to read the policy terms carefully.

Arthritis Travel Insurance

The term arthritis is a general reference to joint pain or joint disease. Arthritis is not a single disease since there are over 100 different types of arthritis. All ages, sexes, and races can have arthritis, and it is the leading cause of disability in the United States. The typical symptoms of arthritis include: 

  • Swelling
  • Pain
  • Stiffness
  • Decreased range of motion

These symptoms may go away and return, and they can be mild, moderate or severe in intensity. Arthritis can permanently damage joints and make walking, performing daily activities, and climbing stairs difficult. 

Most of the visitor’s insurance plans do not offer coverage for doctor office visits or for treating arthritis, especially if you travel to the US with the intention of getting treated. You should carry pain medication if needed, from your home country. Few plans might offer coverage for an acute onset of a pre-existing condition. It is important to see how the plans define a pre-existing condition. Arthritis is typically considered a chronic condition. Make sure the plan you choose does not exclude chronic conditions. 

Arthritis Travel Insurance

Treatment

There are steps one can take to preserve their joint function, mobility, and quality of life. Because arthritis is a misunderstood disease, it is essential to research and learn about the best treatment options for arthritis, which for mild to moderate cases include: 

  • A balance of activity and rest
  • Hot and cold therapy
  • Maintaining a healthy weight
  • Regular physical activity
  • Using assistive devices

Arthritis Travel Insurance Tips 

Arthritis is a pre-existing condition because people most likely have arthritis before their visitor’s insurance goes into effect. The best way to cope with your arthritis during your travels is to follow recommendations for decreasing joint stiffness and reducing pain associated with arthritis.    

If you have arthritis and are planning to travel, try following a few simple steps to decrease joint stiffness and reduce pain while traveling:   

  • Move and stretch frequently
  • Travel light
  • Pack your medicine
  • Drink fluids
  • Consult your physician

It is also wise to have visitor’s insurance when traveling and being aware of what your coverage will and will not cover in regards to your arthritis 

Which plan can offer coverage for pre exiting conditions for visitors to US?

Safe Travel USA Comprehensive Insurance

The  Safe Travel USA Comprehensive, underwritten by Crum and Foster, 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. You can choose from the 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.

Definition of a Pre-existing Condition for Safe Travel USA Comprehensive: 

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 is no longer acute or you are discharged from a medical facility.  

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.    

travel insurance usa

Safe Travel 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

Purchase Now

Visitor Insurance Arthritis FAQ

No, visitor travel insurance plans do not go through Underwriting and hence your medical history is not evaluated. You can apply and get a visitors insurance in spite of having a preexisting condition like arthritis. However, how the plan will cover the illness will depend on how pre-existing conditions are covered by that plan. 

Typically, most plans will consider arthritis as a preexisting condition. Most visitor insurance plans will cover illnesses and injuries that happen after the effective date of the policy which are not linked to a preexisting condition. Regular treatment for a preexisting condition like arthritis will be excluded. based on the plan you choose, some visitor insurance plans might cover you for an episode of an acute onset of a preexisting condition. 

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