Travel Insurance: Coverage For Pre-Existing Medical Conditions

Travel Insurance: Coverage For Pre-Existing Medical Conditions


This video describes why pre-existing medical conditions are not covered by most travel medical insurance plans, and why purchasing travel insurance is still a wise choice to make for your international trip to the USA. Visit to learn more about which plans can help you get a travel insurance for acute onset of pre-existing medical condition.

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Video Transcript:
if you are buying travel medical insurance, you are probably concerned about coverage for pre-existing conditions. What is a pre-existing condition? A pre-existing condition is a medical condition that existed before your insurance policy began. For example conditions like diabetes, high blood pressure, heart disease, cancer, are possibly existing in individuals before they purchase insurance. Why are pre-existing conditions not covered? Insurance companies can stay in business only if the total claims processed are less than the total premiums received. Since pre-existing conditions have a higher probability of larger claims, if insurance companies start covering pre-existing conditions the total claims processed can exceed that total premiums received and the insurance companies will go out of business. What determines a pre-existing medical condition? Some of the factors that can help in determining whether your condition was pre-existing include the doctor’s diagnosis, lab test results, and your medical history. When insurance companies evaluate your claims, they review this information, look for any indication of pre-existing conditions, and process your claim accordingly. For example, an individual purchased insurance and then suffered a heart attack. The diagnosis, lab test results, and medical history indicate that the patient has a history of heart problems and the heart attack was due to a pre-existing medical condition. If pre-existing conditions are not covered, then why buy travel medical insurance? Not all medical problems are related to pre-existing conditions. When you travel away from home, you are more exposed to unknown risks and medical emergencies. You should protect yourself from common medical risks like accidents, falls sickness, injury and other medical emergencies that can cost you thousands of dollars and cause severe financial and emotional stress.

Concept, Script & Produced by: Rajeev Shrivastava, CEO, VisitorsCoverage Inc.