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Visitor Insurance Is A Must For People With Pre-Existing Conditions

Author : Cameron Rochelle   Top Author

Many people, especially as they age, develop what are known as pre-existing medical conditions. These pre-existing conditions are health issues that are known and are being or have been treated in the past. Typical pre-existing conditions include diabetes, AIDS/HIV, asthma, stroke, high blood pressure or even if you are pregnant while you are traveling. Some pre-existing conditions require medications to manage or control the health issue while others only need treatment in the event of a subsequent illness or injury. Visitor insurance, just like other types of insurance, can cover for pre-existing conditions based on the specifics of the policy.

It is important if you or a person you are purchasing travel insurance for disclose any pre-existing conditions during the application. Visitor insurance will require the people obtaining the policy to confirm that all information provided is accurate and true. Should you fail to disclose a pre-existing condition and then seek medical care for this issue or a health issue that is a result of the pre-existing condition there can be serious consequences. In most policies, failure to accurately report a pre-existing condition or to omit information about pre-existing conditions will result in immediate cancellation of the policy. This will leave you, as the patient or the insurance policy holder, responsible for all health care bills related to any medical services. You may also be held legally responsible for falsification of documents based on the policy of the insurance company.

Since so many reputable and highly recognized visitor insurance companies offer pre-existing coverage options for travelers it is not difficult to find very comprehensive coverage. Many people are surprised, and pleasantly surprised, about the low cost of policies that offer pre-existing coverage. Typically most policies that offer pre-existing coverage are classified as comprehensive policies. This means that the total coverage is offered for most medical expenses without specific caps on each category of coverage. Your pre-existing health issue is covered up to a capped amount in policies that are comprehensive in type. The amount of this coverage will range from policy to policy and it is important to evaluate the type of medical care you may require because of the health condition. Typically there will be two types of maximum coverage amounts, one for eligible medical expenses and one for emergency care and evacuation should it be required.

Pre-existing conditions with visitor insurance may also have a look back period. This is a set period of time during which the pre-existing conditions cannot have required medical attention to be covered by the policy. A good example of that is a stroke. Often the look back period on this type of coverage is 3 years. This means that if the last stroke was prior to three years before the application of the policy it will not be counted as a pre-existing condition. If the person has another stroke during the policy period it is not covered under the pre-existing limits but rather as a separate health issue.

Understanding all the language and the details for pre-existing coverage on visitor insurance is important if you do have medical issues. Pregnant women should also carefully review the policy to ensure that they have the ability to seek medical care in the United States and have insurance coverage in the event of any type of emergency with the pregnancy. While typically women do not travel close to their expected delivery date there are always risks involved and to have as much medical insurance coverage as possible is a great idea.

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Tags:   visitor insurance, visitors insurance, visitor insurance policy

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Submitted : 2012-02-23    Word Count : 596    Times Viewed: 986