Travel Medical Insurance that covers Pre-existing Medical Conditions
Good Neighbor Insurance provides travel medical insurance that also includes pre-existing medical conditions cover, https://www.gninsurance.com/travel/pre-existing.
In this video we will highlight some of the pre-existing medical conditions coverage most common questions and answer those questions that we have received since our founding in 1997 here at Good Neighbor Insurance, https://www.gninsurance.com.
Sophia and her husband Logan called into our office here at Good Neighbor Insurance last week during one of our hot Gilbert, Arizona afternoons. Sophia was sharing how they were working towards going for 10 months to work at a social good organization in Indonesia. They were looking for a good travel medical insurance plan, https://www.gninsurance.com/travel/pre-existing, that covers them for new medical conditions. But they also wanted coverage in the event that their pre-existing medical conditions had any sudden complications.
Sophia added that although they realize that long-term expat medical insurance plans that Good Neighbor Insurance provides, https://www.gninsurance.com/health, would work best for them, they would not qualify for an expatriate medical insurance policy because they are not spending over 12 months overseas.
“So here are Logan and my questions,” Sophia shared with our international insurance agent on the phone here at Good Neighbor Insurance.
Question: I have been on high blood pressure medicine for years, but I’ve never had any heart issues. Do I need to be concerned about having a travel medical insurance policy that covers pre-existing conditions?
- Even if you have never had a heart attack, if you have one while on your trip, it would be considered a pre-existing medical condition because you have a history of high blood pressure.
- If you are on a prescription medication to control a disease or medical condition, you will want to have a travel medical plan with strong pre-existing medical conditions coverage.
Here is a typical definition of pre-existing medical conditions on travel medical insurance policies, Sophia and Logan:
- A pre-existing medical condition means any disease, illness, sickness, malady or condition which was diagnosed or treated by a legally qualified physician prior to the effective date of coverage with consultation, advice or treatment by a legally qualified physician occurring within 6 months prior to the coverage date for the covered person.
Question: Since we will be traveling internationally for many months, will a travel medical insurance policy cover a check-up with a medical specialist outside of my home country?
Answer: No, follow up appointments, check-ups, or regularly taken prescription medications are not covered on a travel medical insurance policy.
Question: Logan does not have any known illnesses, and is not on any prescribed medication. Do we need to worry about having a travel medical insurance plan with good pre-existing medical conditions coverage?
- Any kind of travel medical insurance is to cover you for the unknown risks!
- There are some illnesses that even though you have never been diagnosed or had symptoms may be considered pre-existing conditions.
- Common examples of this would be hernias, kidney or gall stones, heart attack.
- Since Logan and you will be spending quite a few months overseas, we would suggest having a travel medical insurance policy that has a robust pre-existing medical condition cover just in case.
- And we have a couple great travel medical insurance options that will fit you and Logan that not only includes great overseas coverage but also a robust pre-existing medical cover.
Question: Different travel medical insurance plans describe their coverage as either “sudden onset of condition” or “acute onset of condition.” What is the difference?
- A Sudden Onset of a pre-existing condition would be an unexpected recurrence of the medical condition that has been stable.
And Sophia, here is a general definition of “acute onset of a pre-existing medical condition.”
- An Acute Onset of a pre-existing medical condition would be an illness or injury that you have been completely symptom or treatment free or cured from the condition.
- A good example would be someone who had knee surgery years ago who reinjured the same knee.
Here is another general definition of “acute onset of a pre-existing medical condition,” Sophia and Logan.
- A sudden and unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent and speedy medical care.
- A pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an acute onset of pre-existing condition.
We have more definitions on pre-existing medical conditions you can get from us too, if you want Sophia and Logan. Just ask me or any of our team members here at Good Neighbor Insurance and we can provide that for you.
These were great questions, Sophia and Logan. We, at Good Neighbor Insurance, already have two great travel medical insurance options for you and Logan for your time serving in Indonesia. We will send the exact quotes and additional information to you today via email if that is ok with you.