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Travel Medical Insurance Covers Pre Existing Conditions – As attention turns again to the possibility of repealing the Affordable Care Act (ACA), millions of people with pre-existing conditions have reason to worry. Among many other provisions, the ACA prohibited discrimination in private health insurance based on health status—insurers are prohibited from turning people away, charging them more, or changing coverage to exclude their pre-existing conditions.
What are the pre-existing conditions and who has them? As most simply defined, a pre-existing condition is any medical condition that a person has before enrolling in health insurance. A person might know of a pre-existing condition – for example, if they know they are already pregnant. People may also apply for insurance when they unknowingly have an undiagnosed condition – for example, tumor cells may be growing inside but not be diagnosed until months or years later. The pre-existing condition may be mild – for example, seasonal allergies or acne that can be treated with simple medications. Or it may be more serious or require more expensive treatment – such as diabetes, heart disease or cancer.
Travel Medical Insurance Covers Pre Existing Conditions
Estimated that in 2018, about 54 million non-elderly adults in the US (27%) had “deductible” pre-existing conditions that made them uninsurable in the pre-ACA individual health insurance market. Deductible conditions were identified by analyzing health insurers’ underwriting manuals. Insurers kept lists of medical conditions for which applicants would routinely be denied coverage. Deductible conditions included AIDS/HIV, congestive heart failure, diabetes, epilepsy, severe obesity, pregnancy and serious mental disorders. Obviously, not all of these 54 million adults now buy individual health insurance. But the individual market is where people go when they’re between jobs that offer health benefits and are ineligible for coverage under a public plan like Medicare or Medicaid. If health insurance were to revert to pre-ACA coverage in most states, these 54 million adults could be uninsured if they were laid off and lost their job-based health benefits.
What Is A Pre Existing Condition Exclusion Period?
Other estimates put the number of non-elderly adults with pre-existing conditions as high as 102 million, 122 million or 133 million. In addition to conditions that can be rejected, these estimates take into account conditions that would not necessarily cause a person to reject an application for individual health insurance, but which could encourage other negative actions. Hypertension (high blood pressure) is one such common pre-existing condition that affects more than 33 million adults under the age of 65. A study of medical underwriting practices asked individual insurers in the marketplace to consider a hypothetical claimant with high blood pressure who also smoked and was overweight. In 60 applications for coverage, this person was rejected 33 times (55%); offered a policy with premiums added 25 times (42%) and offered coverage with no limits or additional premium fees twice (3%). Pre-existing condition travel insurance is a good option for international travel because without health insurance, international travel can be very risky. Most travelers assume their standard health plan covers them, but it may not. If you have pre-existing medical conditions, it makes things even more complicated.
Most domestic health insurance plans do not cover international travel. Avoid the uncertainty of health coverage with the right international travel insurance plan.
Visitors Protect covers foreign visitors in the US, Canada and Mexico. This temporary travel health insurance covers pre-existing conditions, so you can relax and enjoy your international trip.
Visitors Protect is a plan from International Medical Group (IMG), a well-known and respected provider of travel insurance.
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Let’s take a detailed look at this travel insurance plan and understand its benefits, scope, exclusions and cost.
The Visitors Protect plan is designed exclusively for people traveling internationally to the United States, Canada and Mexico.
If you have parents or a family member visiting the US, you may want to purchase travel insurance for them and this plan should be considered. If your family member has pre-existing medical conditions, the plan will cover them.
Because this plan covers pre-existing conditions, it will allow the visitor to focus more on enjoying their time abroad and less on taking care of their healthcare.
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Visitors Protect Travel Insurance is a product of International Medical Group (IMG), one of the most renowned insurance companies and specialist providers of international travel insurance.
There are very limited options in the market for travel insurance plans that cover pre-existing medical conditions. Visitors Protect is an exceptional plan from this perspective, here are some key features of this travel insurance plan:
Visitors to the United States, Canada and Mexico looking for travel insurance can purchase Visitors Protect insurance.
You must legally enter the country of destination on the effective date of coverage and pay the applicable premium on or before that date.
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Those with primary residence or citizenship in the following countries will not be able to purchase this travel insurance:
Citizens of the following countries who wish to purchase US health insurance cannot purchase this travel insurance plan:
These are purchase restrictions for these 2 US states only. Coverage under this travel insurance policy continues even while tourists are visiting and staying in those states in the US.
Read the travel insurance policy document carefully before purchasing health insurance to find out all the details, inclusions and exclusions. Limits apply to coverage for pre-existing medical conditions.
Insurance Coverage For Pre Existing Mental Health Conditions
A pre-existing condition is a medical condition or health problem that the insured person had before the effective date of the policy and for which they were treated or are currently taking medication.
Each insurance company has its own definition and look back when it comes to pre-existing medical conditions, it’s a good idea to look at the explanation in the policy document before you buy a travel insurance plan.
Yes, Visitors Protect Travel insurance provides cover for a pre-existing medical condition as defined in the policy terms and conditions:
When choosing travel health insurance for parents with pre-existing medical conditions, it’s important to consider their insurance needs and any pre-existing conditions they may have.
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If you’re looking for travel insurance to cover a pre-existing condition, you can also check out the following plans:
Note that Hop! TripAssist Plus and Hop! Mindoro are travel assistance plans, not travel insurance plans.
IMG Travel Insurance is owned by SiriusPoint, a multi-billion dollar company with A.M. The best grade “A” gives the offer of travel insurance products of the highest quality.
In most rankings of travel insurance providers, IMG is ranked as one of the best travel insurance companies
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IMG as a travel insurance company has provided global benefits and assistance services to millions of clients in almost all countries of the world
IMG, a travel insurance company through its partnership with other service providers provides several benefits to its clients such as:
Pre-existing conditions are usually excluded from coverage in international health insurance plans, but some plans may provide benefits for the acute onset of pre-existing conditions
The pre-existing condition waiting period may vary depending on the travel insurance plan. Some plans provide coverage only if an acute attack occurs after a certain waiting period, which varies from 72 hours to seven days
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Acute onset of an existing condition refers to a sudden and unexpected recurrence of an existing medical condition that requires immediate medical attention
A pre-existing condition is a health problem or medical condition that existed before the start date of a new health insurance or insurance policy
The pre-existing medical condition exclusion waiver is a provision of the plan that waives the pre-existing medical condition exclusion in the travel insurance plan. This means that you may still be eligible for coverage for medical problems associated with that coverage, despite the exclusion
Yes, you can only purchase medical travel insurance for medical emergencies and unexpected medical expenses while traveling abroad
What Is A Pre Existing Condition?
Unexpected relapse of a pre-existing condition refers to a sudden and unforeseen worsening of an existing health condition that requires immediate medical attention during travel
If you already have a medical condition and are planning to travel, it is important to consider purchasing travel insurance that covers your condition. Visitors Protect from IMG is one such travel insurance policy that offers cover for pre-existing conditions.
Consider purchasing Visitors Protect from IMG or a similar travel insurance policy to protect yourself against unexpected medical expenses and ensure a stress-free trip.
Tags: Acute Onset Pre-existing Condition Covid-19 Coverage Emergency Medical Evacuation Exemptions IMG Insurance for Parents Visiting Parents US Patriot America Plus Patriot Platinum PPO Network Pre-existing Medical Conditions Travel Health Insurance In this article, we discuss why it is important to understand pre-existing medical conditions when choosing travel insurance plans and how INF Elite Plus specifically addresses these issues.
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The only downside is that their most popular plans, i.e. INF Elite and INF Premier, have a minimum purchase period and coverage duration of 90 days to 364 days and must be purchased before leaving the home country.
Business travelers and other non-US citizens and non-US residents visiting the US for less than 90 days can explore other travel insurance options. If you have already arrived in
