Who Needs Acute Onset of Pre-Existing Conditions Coverage?
In your search for visitors insurance, you will come across many different types of coverage, from hazardous sports coverage to emergency evacuation. If you are in seemingly good health at your time of purchase, a type of coverage that you may overlook is acute onset of pre-existing conditions coverage, but in fact, you may need acute onset of pre-existing conditions coverage and not even know it.
In the insurance industry, a pre-existing medical condition is defined as a medical condition, diagnosed or undiagnosed, that existed in a person before the insurance policy became effective. Pre-existing conditions can vary widely from diabetes and heart conditions to asthma and chronic pain.
Acute onset of a pre-existing condition is the unexpected and sudden occurrence of a pre-existing condition. Some travel medical insurance plans provide coverage for these occurrences, with some specific exclusions and limitations.
If there is any chance that a condition you had in the past could reoccur while you are traveling or if you currently have a condition that could cause complications while you are on your trip, acute onset of pre-existing conditions coverage is recommended for you.
As we age, the incidence of medical conditions becomes higher, so plans that include acute onset of pre-existing conditions coverage are recommended for senior travelers, even if it seems that you are in good health when you plan your trip.
It’s important for all travelers to thoroughly assess their health before traveling and purchasing travel insurance. Even if a condition is discovered at the time of a medical incident abroad, if it is found that the condition existed before you purchased your policy, you may not qualify for acute onset of pre-existing conditions coverage.
In addition, if it is discovered that the acute onset of a pre-existing condition was caused by your negligence, like failing to take medication or not following doctor’s orders, you also may not quality for acute onset of pre-existing conditions coverage.
If you experience acute onset of a pre-existing condition while traveling, most insurance companies will only provide coverage it if it is life threatening and requires immediate medical attention. Depending on the plan you choose, you may also be covered for emergency transportation, emergency room treatment and hospitalization.
With any plan, it is imperative that you thoroughly read and understand not only what is covered, but more importantly, what is not covered. Different visitors insurance plans may define acute onset of pre-existing conditions differently so it is important to do your research to make sure your plan meets your specific needs.
Every traveler should consider their health before embarking on a new journey and consider plans that offer acute onset of pre-existing conditions coverage.