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Visitors Insurance- Travelers With High Cholesterol 

Many travel insurance companies set their rates for people who do not have existing medical conditions. This works well for people in that category, but if you have a pre-existing condition, such as high cholesterol, which causes emergency health problems while abroad, it may not cover your medical need. To be covered, it is necessary to buy visitors insurance for high cholesterol. 

Though, preexisting conditions are excluded, there are various policies now that offer coverage for an acute onset of a pre-existing condition such as high blood pressure. 

pre-existing-condition-high-cholesterol-visitors-medical-insurance

Can Visitor Insurance Policies Cover High Cholesterol?  

Visitor insurance policies typically exclude preexisting conditions however might include an acute onset of a preexisting condition.  Before signing up for a plan, it is always a good idea to get enough 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. 

Plans such as Safe Travels USA and Safe Travel Comprehensive 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, blood work, and medication of cholesterol 

Most other plans i.e. Patriot Series, Atlas Travel Liaison Travel, Inbound USA provide coverage for an acute onset of pre-existing conditions as long as it is a non-chronic condition. High cholesterol, diabetes, etc. typically falls under chronic conditions. 

What is High Cholesterol? 

The body naturally produces certain lipids (fats) in the liver. These are classified into two main types – good (HDL) and bad cholesterol (LDL). Additional amounts come from the food you eat – mainly from fatty meats. When there is too much of the bad cholesterol, it can accumulate along the walls of your arteries and cause blockages. Having the right levels of HDL can help prevent this problem

Ongoing  High Cholesterol Levels can be a serious problem. As it accumulates, it can cause: 

  • A narrowing of your arteries 
  • Coronary heart disease 
  • A heart attack 
  • A mini stroke (TIA) 
  • A stroke. 
Can cholesterol treatment be covered by visitor medical coverage?

Treatment 

Getting treatment for high cholesterol levels will usually mean medications and restrictions in your diet. Even though your cholesterol levels are under control, it does not mean you will be able to avoid paying more for travel insurance. 

visitor insurance parents high cholesterol

 What Visitors Insurance will Cover and Exclude 

Purchasing visitor’s insurance normally covers a lot of issues, but these will vary from one company to the next. Coverage usually provides funds for medical situations that are not related to a pre-existing condition, or that can be connected to a pre-existing condition. 

Exclusions can include a lot of things, particularly if a doctor has made a note of it in the recent past – such as high cholesterol. If a doctor has ever said you need to watch your cholesterol, this likely will be excluded if a claim should ever be made. You can, however, get additional coverage for exclusions. 

The coverage is called a waiver of a pre-existing condition. You may also want to get an acute onset of a pre-existing condition coverage if there is a possibility that the condition may return – or if you are taking medication for it. In some cases, the benefit may only apply to conditions not generated or reoccurred within the past 12 months. 

When you consider the prices at major clinics and hospitals, it is easy to understand why coverage is so important. The Coronary Care unit, and Intensive Care is $4,479 per day. A CBC blood test is $78. Many treatments must be pre-certified before you receive it, too. In Manhattan, a doctor’s visit will cost an average of $108. Cholesterol medication, Crestor, will cost about $275 for a 30-day supply. 

Is stroke considered a pre existing condition for visitors travel medical insurance

Safe Travel USA Comprehensive Insurance

$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. The plan provides protection for covered medical expenses including hospitalization, surgery, physician visits and prescriptions for illnesses and injuries that happen after the effective date of the policy. The plan also includes one acute onset of 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 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.  

Safe Travel USA Comprehensive Insurance 

TheSafe Travel USA Comprehensive is underwritten by Crum and Foster. 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. The policy provides 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 is waived. 

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.  

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

where to buy visitors insurance with high cholesterol

Safe Travels 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
travel insurance usa high cholesterol coverage

Tips for People Who Are Travelling with High Cholestrol 

If you have high cholesterol and want to reduce your risk of heart-related problems before you take your trip, there are some things you can do. Various lifestyle changes will help you lower your cholesterol levels and bring it under control. Dietary restrictions include eating less fatty meat – and less meat in general and adding more fruits and vegetables to your regular meals. Regular exercise also helps, as well as quitting smoking. 

Before taking out any travel insurance policy or special coverage, such as the Seven Corners Plans, be sure that you understand the details. Ask an agent about any questions you have before purchasing. 

Visitor Insurance High Cholesterol FAQ

As long as you are cleared by you doctor, there is no reason why you cannot travel. It is always a good idea to apply for a travel medical insurance (e.g. Safe Travel USA comprehensive) There should be no reason why having high cholesterol should stop you enjoying your travel/ vacation. If you will be travelling by air, it is a good idea to get up and move around as often as you can and try and stretch when you are seated.

Travel insurance applications do not require you to declare any medical condition. Everyone applying for travel insurance gets coverage irrespective of an underlying medical condition. All plans may not cover an underlying medication and hence it is a good idea to read the coverage and exclusions on the plan.

Yes, high cholesterol is considered a pre-existing condition by most visitor insurance plans.

Most insurance plans define Pre-Existing Condition(s) as any medical condition, Sickness, Injury, Illness, disease, Mental Illness or Mental or Nervous Disorder, regardless of the cause, including any Congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom, that with reasonable medical certainty existed at the time of application or prior to the Effective Date of Coverage under the Certificate, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed. This specifically includes, but is not limited to, any medical condition, sickness, Injury, Illness, disease, Mental Illness, or Mental or Nervous Disorder for which medical advice, diagnosis, care, or Treatment was recommended or received or for which a reasonably prudent person would have sought.

Visitors travel insurance applications do not require you to declare any medical condition while applying for the policy. The visitor medical insurance plans do not provide coverage for pre-existing conditions. However, many plans can provide coverage for an acute onset of pre-existing conditions. It is a good idea to check the policy details on how the plans cover acute on set of pre-existing conditions.

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