When you plan a trip and choose an insurance policy, the chances are that it does not offer coverage for pre-existing conditions. Any condition that arose before your departure will not fall under the assistance offered.
Remember that a pre-existing condition refers to a medical condition diagnosed or treatment recommended before the trip. Then, you don’t have to worry because it will cover everything with an insurance policy that guarantees your safety.
Nowadays, policies can cover any pre-existing condition up to a limit. This insurance allows you to cancel or interrupt the trip, but it must have an exception for some situations.
Pre-existing conditions covered by a visitor’s insurance policy
Among the pre-existing conditions covered by insurance when traveling to the United States are heart disease, blood pressure, and high cholesterol, which are very common pathologies. There are also asthma and respiratory problems that are a variable.
Type one and type two diabetes are covered as chronic stomach issues or cancer. Joint inflammations and mental health concerns cannot be left out.
By way of information, pregnancy is not considered a pre-existing health condition. However, the insurance may cover any complications as long as there have been no previous issues and you are less than 37 weeks into pregnancy.
Operation of this type of insurance
To take out a pre-existing condition insurance policy before going to the United States, you will be asked questions about your health and medical history. You must be honest and accurate. Do not lie about any condition because you may be tested.
The insurer will tailor the system to what you need by being honest. Otherwise, you will be on your own under any eventuality, no matter how serious.
Our recommendation is to evaluate your options and reach an agreement with the company. Establish a budget and talk about it to find out what they can offer you. You must personalize the attention. Moreover, try to make the contract weeks before your trip.
Top three insurance companies for pre-existing conditions
Of course, we must introduce you to three of the best insurers so that you can cover any pre-existing condition and travel without fear.
The Trawick agency is willing to offer you coverage for coronavirus and any pre-existing condition up to age 69 as the maximum age. It should note that the policy is limited to $25,000 for persons aged 69 and $15,000 for those aged 70.
As expected, the coverage is lower for people over 70 years of age. A lifetime limit of $25,000, including medical evacuation, is established.
When a traveler has a recurring condition during the policy period, they are ineligible for extra coverage.
Seven Corners is a company that offers the Liaison Travel Plus COVID-19 insurance, with which you will be able to cover any indication of the disease or even the complete onset. You will also be able to cover pre-existing illnesses with their treatments up to 75 years of age.
In this case, you will have the opportunity to express your medical problems and reach an agreement with the company. Everything will be under control with the budget you have prepared for the occasion.
IMG offers Patriot America Plus Insurance to cover pre-existing conditions up to a maximum age of 70. Depending on your age, the coverage will be higher or lower. They also offer care in case of COVID-19 during the adventure.
It is the ideal insurance for those who wish to visit the United States and not suffer any health risk, no matter how big or small. In any case, the main thing is to enjoy, and for that, you must be in good health at all times.