Visitors Insurance Pre Existing Conditions for USA

Buy the best Visitors Insurance Pre Existing Conditions for USA

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Visitor insurance with pre-existing conditions

Pre-existing conditions are no more a reason to stop you from enjoying your vacation in the US. NRIOL.net has different visitor insurance plans that cover acute onset of pre-existing conditions and helps travelers to have safe and fun-filled leisure or business travel. 

Conditions like arthritis, heart diseases, diabetes, cholesterol, blood pressure, and more can put your health at risk while you are taking an international trip. Undoubtedly, the US has the most expensive healthcare cost compared to other countries globally, which is why visitor insurance with pre-existing conditions can be a savior! 

NRIOL.net has various plans that suit your travel and health needs no matter what medical conditions you have. As each plan has its own definition of pre-existing and acute onset of pre-existing conditions, consider getting our help before purchasing. Call us or drop us an email; we will get back to you. 

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What is a Pre-existing Condition in Health Insurance? 

Typically, a pre-existing condition is referred to a medical condition that you are diagnosed with before purchasing a health insurance policy. If you are treated for an illness or taking medicines for the a condition and it exists at the time of insurance application, it will be  considered  a pre-existing condition. Pre-existing conditions can be severe or minor. Some of the common ones are diabetes, high blood pressure, cardiovascular diseases, sleep apnea, cancer, asthma, and more. Interestingly, pregnancy can also be considered a pre-existing condition if you have already conceived before getting a plan. The acute onset of some pre-existing conditions can be covered by NRIOL.net’s visitor insurance with pre-existing conditions. 

The coverage and exclusion vary from one provider to another. Therefore, talking to an insurance provider about the plan’s details is recommended. 

Advantages of Visitor Insurance with Pre-existing Conditions

    • Cashless treatment- US travel insurance that covers acute onset of pre-existing conditions helps members receive cashless treatment for the covered acute onset conditions. 
    • Medical benefits– Apart from the pre-existing conditions, visitor insurance covers hospitalization charges, prescription bills, new illnesses, accidents, etc. 
    • COVID-19protection- Visitor insurance covering pre-existing conditions offers COVID-19 protection inside the US. The plans may cover you for the medical treatment if you contract the virus. 
    • Medical evacuation– If your health worsens due to your pre-existing condition and needs to be evacuated to a qualified medical facility, your insurance plan can cover it. 
    • Stress-free travel- Pre-existing conditions insurance for acute onsets ensures that you enjoy a stress-free vacation in the US without thinking about the medical costs you need to bear if you fall sick. 

Why choose us for Visitor Insurance with Pre-existing Conditions?

    • Plans with best rates– NRIOL has different affordable visitor insurance with pre-existing conditions that suit every traveler’s needs. 
    • Global networks– We are not geographically limited to the US. Our plans are recognized inside the US as well as outside. 
    • Customer service– We offer round-the-clock customer service so that our members do not face any trouble while vacationing inside the US. 
    • Easy purchase of plans– Tourists do not have to be stressed about purchasing a perfect plan. With a few clicks, you can sign up for the right policy. 
    • Smooth claim process- We ensure that our members do not face trouble processing claims and reimbursement. 

FAQs

  • Do visitor insurance plans cover pre-existing conditions?

    No. Visitor insurance plans do not cover pre-existing conditions. The plans cover acute onset of pre-existing conditions, which arise suddenly without any warning or symptoms during your travel and need immediate treatment. The medical expenses related to acute onset are covered. 

  • Does the premium change if you add pre-existing condition coverage?

    No, the rates or the premium do not change. US travel insurance that covers acute onset of pre-existing conditions either includes  coverage or excludes coverage . You do not pay an extra premium to add it to your existing plan. You need to purchase a plan with acute onset coverage. 

  • What is the difference between the pre-existing and acute onset of pre-existing?

    Every plan has its own definition of pre-existing conditions and the acute onset of pre-existing conditions. Typically, a pre-existing condition is an ailment you are already have at the time of application  Acute onset is a condition that needs medical attention within 24 hours of the first symptom of the pre-existing condition. It is advisable to check the brochure and certificate of wordings to understand the difference. 

  • Is pregnancy a pre-existing condition?

    Yes, if the policyholder is pregnant while purchasing a plan, it will be considered a pre-existing condition. The visitor insurance plans do not offer coverage for maternity and childbirth.  

  • What are the common pre-existing conditions?

    Cardiovascular disease, diabetes, flu, shingles, high cholesterol, high blood pressure, arthritis, cancer, AIDS, and more are common pre-existing ailments. 

  • What is the lookback period in visitor insurance with pre-existing conditions?

    The lookback period is the time that an insurance company will check to determine if a health issue is pre-existing or not. The lookback period varies from one insurance company to another and can be anywhere between 180 days to 2 years. Depending on the condition it may not be considered a pre-existing condition if the condition is treated before the lookback period. Chronic conditions like high blood pressure, diabetes, cancer, etc. Will always be considered pre-existing conditions. 

  • What is the waiting period in visitor insurance covering pre-existing conditions?

    The waiting period refers to a time after which a pre-existing condition can be covered. It can vary from one insurance provider to another and has a duration of 6 months to 1 year. Some student plans may have a waiting period, but visitor plans have no waiting period as they coves only acute onset. 

  • Should one disclose their pre-existing conditions to an insurance provider?

    No,  The applications do not  ask for any  medical history or physical conditions  while purchasing pre-existing conditions insurance. 

  • How to purchase a plan with pre-existing conditions?

    You can contact us, and we will help you purchase the right plan. Or you can fill in the form present on our website to get quotes. 

  • Can regular check-ups or doctor visits for a condition be covered in the policy?

    Visitor insurance plans cover medical expenses for new illnesses or sickness or acute onset of a pre-existing condition depending on your plan. Doctor visits if you are not well can be covered per the plan’s benefits. Preventive care (regular checks ups or immunizations) or doctors’ visits for pre-existing conditions are not covered under visitor insurance plans. 

Pre-existing condition visitor insurance inclusion 

Depending on the plan, one can understand what can be considered pre-existing ailment and the acute onset of the pre-existing ailment. For example, a diabetic individual falls sick during the trip and goes into a diabetic shock- it can be considered acute onset. But if the individual feels unwell during the journey as he has not taken his medicines may not be regarded as an acute onset. Call us to understand better. 

Pre-existing condition visitor insurance exclusion 

Plans covering pre-existing conditions for visitors to the US vary what they include and exclude. Reading the brochure or talking to our insurance executive for better understanding is suggested. 

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