Does Visitors Insurance Cover Pre-Existing Conditions?

Visitors insurance with pre-existing conditions coverage is a beneficial when a traveler knows they have a pre-existing condition. There are two different types of pre-existing condition coverage - limited pre-existing condition coverage and coverage of acute onset of pre-existing medical conditions.

Limited pre-existing condition coverage is an option that can cover expenses for known conditions that flare up or require medical attention during your travel. Coverage of acute onset of pre-existing medical coverage is much more defined, and typically only covers costs associated with a pre-existing condition that was not active before travel.

There are plans that cover acute onset of pre-existing medical conditions, but not all pre-existing conditions are guaranteed to be covered under these plans. We have an article for a better understanding of what pre-existing conditions are.

In travel medical insurance, pre-existing conditions refer to any medical condition, whether known or unknown, that existed before purchasing a travel medical insurance policy.

What Is a Pre-Existing Condition?

A pre-existing condition is any medical condition or health problem that started prior to the start date of the insurance. If you file a claim, the insurance company will review medical records to determine whether the claim is related to a pre-existing condition.

Examples of Pre-Existing Conditions

The following medical conditions are considered pre-existing conditions and are not covered under most visitors insurance policies. Some plans, such as USVisit-Pro, specifically include limited coverage for pre-existing conditions.

  • Diabetes
  • High Blood Pressure
  • Heart Problems
  • Cancer

If you do have a pre-existing medical condition, consider purchasing a plan that does offer pre-existing condition coverage such as INF Elite Plus or INF Premier.

Never assume that travel medical insurance will cover any incident. If your claim is related to a pre-existing health condition, it will be denied unless you've opted for a plan that specifically covers pre-existing conditions. Pre-existing conditions are one of the top reasons for denied claims.

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