Visitors Insurance for Heart Attack
When you live with cardiovascular disease, taking frequent holidays is an excellent way of relaxing and decreasing stress. However, it’s important you plan carefully when you’ll be away from home for a while. Beware that while insurance for visitors can offer treatment for new injuries and illnesses, the coverage for an existing condition such as heart attack is quite limited.
It’s also imperative you consult your physician before you book any trips. They’ll be able to confirm whether you’re well enough to travel. You can also discuss what you should and shouldn’t do throughout your holiday.
If your physician declares you fit for travel, there’s no reason why your heart condition should prevent you from enjoying a tranquil holiday. Travel insurance for heart conditions covers the cost of treatment and hospital admissions in the event that you require treatment for your heart ailment while traveling. Here’s what you need to know about this product.
What Visitors Insurance Covers and Excludes; Heart-related Condition
If you have a heart condition already when you buy a policy, the application does not require you to disclose it as a pre-existing condition. Depending on the pre-existing conditions clause of the plan, you may receive coverage if the condition has been stable and hasn’t required hospital treatment or medical attention for a specific time period. The duration for the look-back period differs across plans, but it’s usually between 60 and 180 days. However, the look back period for some plans may be as long as 3 years prior to start of the plan.
Plans such as Liaison, Inbound USA, Safe Travels USA and Safe Travels International provide coverage for sudden onset of a pre-existing condition like heart attack, stroke etc which takes place suddenly and without warning. However, these plans do not cover routine care and medication of the heart disease or high blood pressure. A Pre-Existing Condition that is a congenital condition or that gradually becomes worse over time will not be considered as an acute onset and hence, will not be covered by insurance.
On the other hand, plans such as Patriot International, Patriot America and Visitors Care insurance, do not provide coverage for chronic conditions such as heart disease, diabetes etc.
Before you purchase a plan, it is best to get sufficient information on the pre-existing condition clauses to make sure that the specific pre-existing condition fits into the company’s definition of pre-existing conditions.
If you’re traveling with heart disease, consider these tips:
Select your destination prudently
Think carefully about where you plan to go and what you’ll probably do once you arrive there. For instance, a trip to Athens might entail lots of walking, which could place undue stress on your heart. You should also consider public transport.
This is especially significant in warmer climates, where the heat can drain your energy. Moreover, you should consider medical care provisions and whether you’ll have easy access to expert help in case of a medical emergency. Beware that some islands might not have emergency and accident facilities.
Arrange the appropriate travel cover
Most people arrange travel insurance before going on a holiday. Take your time to research what’s accessible. Specialist policies aimed at covering heart conditions will pay out if your condition forces you to cancel your trip. An early arrangement will give you the needed peace of mind to enjoy your holiday.
Organize your medication early
It’s imperative you sort your medication before traveling for any duration. If you’re entitled to free prescription services in your home country, the same might not apply in another country. Therefore, ensure you’ve stocked up before you have to leave.
Take additional medication just in case and maintain a list of prescribed medications, including known names in case you require more in an emergency.
If you’re living with a heart condition and are thinking of enrolling in a plan, consider these ones:
Liaison Series Plans
Liaison Insurance Series has three options of coverage, the Economy, Choice and Elite. Underwritten by Llyods of London/Tramont Insurance Co, this policy offers protection outside one’s home country and can be bought for a duration from 5-364 days
How is an acute onset of a pre-existing condition covered by Liaison Insurance
During your visit in the US, if there is an acute onset of a pre-existing condition and if you receive treatment within 24 hours of this sudden and unexpected recurrence, the Liaison Series pays up to a maximum of $50,000 (ages 70+ limited to $10,000) depending on the choice of coverage i.e. Economy, Choice or Elite. For ages 0-69, the Liaison Economy provides $15,000, the Liaison Choice provides $30,000 while the Liaison Elite provides $50,000. For Age 70 & over: this coverage drops to $2,500 for the Liaison Economy, $5000 for the Choice and $10,000 for the Elite.
The policy provides benefits for eligible medical expenses until the condition is no longer acute or you are discharged from the hospital. This benefit covers one acute episode per pre-existing condition. In addition, the policy also provides up to $25,000 for emergency medical evacuation.
Each Underwriter defines an acute onset of a pre-existing condition differently. For the Liaison Series, an Acute Onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms and requires urgent care. A pre-existing condition that is a congenital condition or that gradually becomes worse over time will not be considered an acute onset. A pre-existing condition will not be considered an acute onset if during the 30 days prior to the acute event you had a change in prescription or treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to your arrival in the US and before the effective date of the policy.
Safe Travel USA Comprehensive Insurance
Underwritten by GBG Insurance ltd 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.
How is an acute onset of a pre-existing condition covered by Safe Travel Insurance
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. 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.
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. Heart conditions, diabetes etc. typically fall under chronic conditions.
When it comes to health, nobody likes the unanticipated, particularly when in a foreign country. Therefore, being prepared and having sufficient cover for your condition is vital to ensuring a relaxing and enjoyable holiday.