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Blog

Good Neighbor Travel Insurance Blog

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

September 23, 2009 By : Doug Gulleson

Would an insurance company consider a roller skating accident when you were 3 years old a
pre-existing condition?

Probably not. But you never know.

A pre-existing condition is:  Any injury or sickness that manifested itself prior to the effective date of insurance coverage – regardless of whether you received medical attention for it or not.

A lot of us are perplexed because health insurance companies won’t cover pre-existing conditions. Companies know that if they cover all pre-existing conditions they won’t be in business long. Insuring a person with a pre-existing condition is like insuring a burning building.  Of course no one wants to be compared to a burning building, but we get the picture. You insure a burning building, you are losing money; you insure a person with serious pre-existing conditions, you are losing money.

What you need to know is that different companies put a time limit on what is considered a pre-existing condition. Sometimes a condition can go back to your childhood. One insurance company gives a five-year look-back as the time span for determining a pre-existing condition. Others state time limits at 6 months, 12 months, 24 months, 60 months, etc.

Lesson:  check with your insurance company on their time limits.

Call Good Neighbor Insurance for your international health and travel insurance  needs.

Doug Gulleson

Search Results

Long term care information – 2012

January 11, 2012

Long term care (LTC) is coverage that provides home health care, adult day care, and nursing home coverage for individuals 65 onwards or someone who has a chronic or disabling condition that needs constant supervision.  This benefit package helps provide for the cost of long term care beyond a predetermined period. LTC is not health […]

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Medical advisory – Florence, Italy

December 12, 2012

Good Neighbor Insurance, Inc provides top-notch international travel insurance benefits that include medical advisory. You may view one of our best evacuation travel plans at www.onlineglobalhealthinsurance.com/global-rescue.asp and some of our other travel medical plans here at www.gninsurance.com/travel-A/international_travel_insurance.asp. All of our travel medical insurance plans provide the vital international travel medical benefit of medical evacuation cover. […]

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New Globehopper travel insurance for those over 65

May 7, 2018

Globe Hopper travel insurance for those over 65 (with no maximum age limit) Good Neighbor Insurance has always had some of the best travel insurance plans for seniors. Now we are happy to announce a new plan from IMG: Globe Hopper travel insurance for those over 65 including a unique “NON-MEDICAL EMERGENCY EVACUATION option that we […]

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Couple with travel insurance for those over 65 standing on bridge with big ben in the background

Can I Trust My Credit Card Travel Coverage?

January 18, 2010

The big question is what kind of coverage is provided on your credit card.  Some offer basic assistance benefits, while others will build in a medical evacuation program.  Remember–the devil is always in the details! “Trusting your credit card travel coverage over an overseas health insurance policy is like trusting a canoe to get you […]

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What is emergency evacuation and why it is important

December 15, 2016

What is emergency evacuation, and is it all that important? Emergency evacuation is often the most expensive part of the bill if you are hurt overseas and is often considered the most important part of any emergency travel health insurance. As a layperson, I’ve been learning that it is much more than a simple helicopter […]

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Pre-existing medical insurance for overseas coverage

August 8, 2016

Pre-existing medical insurance for overseas coverage can be an obstacle for someone living or traveling outside the United States. Those residing in the U.S. now have great health coverage that covers all pre-existing conditions, albeit for a higher premium. What is a pre-existing medical condition? A variety of definitions are floating around but here is one […]

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