When many US visitors who are seniors are asked about visitors insurance, their worry is simply that pre-existing conditions are generally not covered. However, there are a few things to consider before rejecting the idea totally.
First, there are a few plans that offer limited coverage for pre-existing conditions. For example, there are plans that offer $5,000 for hospitalization resulting from heart attacks or strokes. Another plan provides US citizens traveling outside their country coverage of upto $15,000 for the sudden occurrence of a pre-existing condition.
And then, there is the question of how each plan defines visitors insurance pre-existing conditions. Usually, any medical condition that the plan holder has been diagnosed with, or is taking medication for is considered a pre-existing condition. An important term, the look-back period, also helps determine what exactly is covered.
The look-back period is the period just before the plan start date that the insurance company checks, to determine whether a condition for which a claim is made is pre-existing. For visitors insurance, it is generally six months. If there was an absence of any symptom or treatment during the look-back period, the condition is not pre-existing, according to the insurance company. So, you see, there is more than one reason to visit your son in the US, and also to purchase that visitors health insurance plan!