Chat with us
Good Neighbor Insurance
  • plans
    • Travel InsuranceFor trips from 2 days to 2 yrs
      • Recommended / All Plans
      • Best for Missionaries
      • Pre-existing Conditions
      • Trip Cancellation
      • Annual Plans/Frequent Fliers
      • Traveling While Pregnant
      • Over 65
      • Emergency Evacuation Only
      • Adventure Sports
      • Inside the USA
      • More Options
    • Int’l Health InsuranceFor relocating/moving abroad
      • Recommended / All Plans
      • Exclusively for Missionaries
      • Nomads
      • Maternity Coverage
      • For Canadians
      • International Term Life
      • For Furlough/Sabbatical
      • Supplemental Plans
      • International Students
      • Local Nationals
      • More Options
    • Group Travel Insurance PlansFor teams traveling together
      • Recommended / All Plans
      • Trip Cancellation
      • Over 65
      • Pre-existing conditions
      • Personal Liability
      • To the USA
      • COVID-19 Coverage
    • Int’l Group Health Plans(For organizations/employers)
      • Group Health Plans
      • International Business Group Plans
      • NGO+ Plans
      • Faith-Based Group Insurance Plans
      • Supplemental Plans
      • Other International Insurance Options
      • Group Insurance Videos
      • Group Resources
  • resources

    Resources

    • Blog
    • Videos
    • Ask Doug
    • Free Guides
      • Trip Guides
      • Top Three Travel Risks
      • Free Guide To Travel Safety
      • Travel Medical Guide 101
    • Free E-Books
    • Helpful links:
      • Ask Jeff
      • Glossary
      • Get Involved
      • Mission Resources
      • Responding to Crisis
      • Social Good Resources
      • Gap Year Resources
      • Volunteer Opportunities Overseas
    • Infographics
  • company

    About us

    • Who We Are
    • Our Values
    • Testimonials
    • Meet The GNI Team
    • Careers
    • Contact Us
    • Get a Quote
(480) 813-9100 Quote Chat

Blog

Good Neighbor Travel Insurance Blog

Waivers and Riders – What are those?

September 23, 2009 By : Doug Gulleson

Let’s say you are a 23 year old female who wants to get health insurance.  At age 20 you played soccer for your university and you busted your knee. A health insurance company will take special notice of that.  Your knee is considered a pre-existing condition.  And that’s not good news for you.

A waiver or rider is an insurance company’s method of excluding certain pre-existing conditions from health coverage.

So, what are you going to do?

Here are options:

1. Accept a “waiver’ or “rider” (same idea) for the knee.  You will be insured for everything else except your knee.

2. Get “capped coverage.”  In this situation the company does not cover the pre-existing condition for the first 24 months, and then limits coverage for the condition to $5,000 a year for the next ten years. This is better than no coverage at all for your knee.

3. Which brings us to the best option, in my opinion.  Accept a temporary rider. Often a company will remove a rider after 24 months if you have had no recurring problems with your knee.  Overall, a health insurance rider is preferable to capped coverage if there is a possibility the rider can be lifted at a later date.

Good Neighbor Insurance – covering International Health and Travel Insurance

Doug Gulleson

Search Results

Individual Kidnap and Ransom international insurance option

May 22, 2017

Individual Kidnap and Ransom international insurance option provided by Good Neighbor Insurance – Good Neighbor Insurance wants to highlight to our clients the importance of Kidnap and Ransom international insurance especially in volatile countries such as Venezuela and Turkey. Below is a part of an article from one of our international insurance carriers (Hiscox) that […]

Read Article

Dental Benefits are an important part of the total medical insurance benefit package

April 27, 2015

Dental Benefits are an important part of the total medical insurance benefit package.  Here is some good information on dental coverage, the benefits, and options you may want to take.  Call one of our agents here at Good Neighbor Insurance at 480-813-9100 for dental insurance options or go to our dental web page at https://www.gninsurance.com/resources/ask-doug/aca-plans/az/arizona-dental-insurance/.  We are […]

Read Article

Reporting value of insurance plans on employee W-2 forms

November 12, 2010

Good Neighbor Insurance (www.gninsurance.com and www.gninsurance.com) is continuing to update our clients on the new health insurance laws.   There are six major coverage options for those in the US and even though some of the rules and regulations are similar for all many differences are there and it all depends on how old you are […]

Read Article

Do you realize your health care plan may not cover you in Canada?

January 20, 2010

Is traveling to Canada from the U.S. for the Vancouver Winter Olympics considered an international trip? Yes. Your U.S. domestic health insurance plan – whether it is individual, group, Medicare or Medicaid – will not cover you in Vancouver for medical evacuation.  They may cover doctor and hospital visits, but they won’t cover you for medical […]

Read Article

What is a Pre-Existing Condition and Will My Health Insurance Cover It?

September 23, 2009

Never lie on your health insurance application. You will be asked about your medical history because the insurance company is looking for pre-existing conditions. This short blog will tell you what a pre-existing condition is and how it will affect your ability to get affordable health insurance.

Read Article

Tips From a Wise Man (My Father) for the Over 65 International Traveler

June 25, 2010

Some senior citizens travel because they want to teach English in China. Others want to build houses in Mexico. There are a growing number of senior citizens who are on study-abroad programs. And then there are some who just want to take a vacation to an exotic place. When it comes to planning your trip abroad, here are a few things to keep in mind.

Read Article

Copyright © 2023 Good Neighbor Insurance All rights reserved.

  • About Us
  • Site Terms
  • Privacy Policy
Scroll Up