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What are Pre - Existing Conditions?
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Pre-existing conditions are health ailments that happened before the customer purchased medical insurance. Pre-existing conditions refers to any injury, disease or illness occurring prior to and including the adequate date of insurance. |
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What are the Pre - Existing Coverage options available for visitors? |
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When travelling, finding an insurance policy that will cover our pre-existing conditions is extremely difficult. Visitor medical insurance provides clear information about Pre-existing conditions. We also explains the terms and conditions covered under Pre-existing conditions. We provide an user friendly tool to find out the best coverage options for short term visitors to the United States or Canada seeking visitor insurance for pre-existing conditions
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What is look back period in the context of pre-existing conditions? |
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The 'Look Back period' for a visitor insurance with pre-existing condition coverage refers to the numbers of days or months that the insurance company will 'look back' to determine if a medical claim is an already existing medical ailment (pre-existing condition). The look back period for international visitor insurance varies from insurer to insurer and usually ranges between two to three years.
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How do insurance companies offer look back period for pre-existing conditions ? |
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The look back period for pre-existing conditions offered by well known visitor insurance providers are-
- For Laison International (Seven Corners)- pre-existing conditions for medical expenses are not covered for last 3 years
- For Atlas and Citizen Secure (HCCMIS )products- Pre- existing conditions afor medical expenses re not covered for last 3 years.
- For Patriot America, GO (IMG) products, pre-existing conditions for medical expenses are not covered for last 3 years
- For Diplomat (Global Underwriters)- pre-existing conditions for medical expenses are not covered for last 3 years
- For Visit USA and WorldMed (Travel Insurance) products, pre-existing conditions for medical expenses are not covered for last 3 years
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Do insurance companies insist on medical tests prior to purchasing pre existing visitor insurance? |
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No, there are no health tests to be done prior to purchasing visitor insurance |
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My uncle suffers from high blood pressure and regularly needs to take medications. Will visitor medical insurance covers the pharmaceutical costs for blood pressure ? |
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No, the pharmacy costs for blood pressure will not be covered under pre-existing conditions. In order to avoid problems with medication, it is recommended that you to carry medications when travelling outside your home country. |
NRIOL has tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their policies. NRIOL is not liable for any problem resulting from the content on this FAQ.
Pre-existing Coverage Conditions questions, comments, suggetions, inquiries about this site, please click here to contact us!
