Visitors Coverage For Parents with Pre-Existing Conditions
Visitors coverage, otherwise known as Visitors Insurance or Visitor Medical Insurance, is meant to protect visitors to USA from unexpected medical bills. Most visitors insurance plans cover acute onset of pre-existing conditions. Coverage for acute onset of pre-existing medical conditions is misleading.
Plans that cover acute onset of pre-existing condition have exclusions in the policy language that allow them to deny claims. For example- none of these insurance companies define what "acute onset" even means. Is an asthma attack acute onset? Or how about an allergic reaction? This grey are allow other travel medical insurance providers to deny claims left and right. Pre-existing conditions are not covered by plans which claims "acute onset of pre existing condition" coverage.
What is an acute onset of pre-existing conditions? INF defines acute onset as any emergency sickness which requires immediate medical treatment. Acute Onset of Pre-Existing Condition plans do not cover pre-existing conditions, and hardly ever pay claims because it is very difficult to meet the criteria of acute onset. Visitors coverage plans which say they cover acute onset are much cheaper because they tend not to pay claims.
Do acute onset of pre-existing condition plans cover heart attack or stoke? Visitors coverage plans which cover acute onset of pre-existing conditions may not cover heart attack or stroke. The reason is that many of these plans have very ambiguous terms and conditions which will allow them to deny a claim.
Changed your medication? Claim Denied. Recently underwent a procedure in your home country? Claim Denied.
Parents with pre-existing conditions need visitors coverage
Had sporadic check pain over the last few days? Claim denied. Acute onset of pre-existing conditions do not cover pre-existing conditions- they don't even cover emergency sicknesses. Don't take the risk of enrolling in an acute onset plan.
Is there a visitors coverage that covers pre-existing conditions? Yes. INF Elite Comprehensive and INF Premier Fixed Benefit plan cover all pre-existing conditions. These are the only international health insurance plan which cover pre-existing conditions. Parents visiting the USA tend to have a few pre-existing conditions, like blood pressure, diabetes, thyroid, or kidney issues. INF visitors coverage provides coverage for pre-existing conditions- something no other company can do.
Visitors Coverage for Parents FAQ
Why does only INF offer pre-existing visitors coverage for visiting parents?
The reality is- all insurance companies have the same data. All insurance companies use the same data because they insure the same type of person- visitors traveling to the USA. The other companies are more interested in denying claims and making money off of unsuspecting individuals.
For example, several visitors insurance providers offer $1,000,000 coverage with 100% co-insurance after a deductible of $0. The price of this coverage for a 65 year old ranges from $365 to around $669 for 30 days.
You are probably thinking, "Wow- that's a great deal! For only $365 - I am going to get $1,000,000 in coverage? That's too good to be true!" And you are right- it is too good to be true. If these companies offering $1,000,000 in coverage ever paid anything close to that amount- they would bankrupt their underwriter in an instant.
If just 1000 people were able to get $1,000,000 full benefit paid out- the cost would be $1 BILLION - larger than the entire travel medical insurance industry itself. It is foolhardy to think any of these insurance companies pay any claims. Acute onset of a pre-existing condition plans are a waste of money and only worth the paper they are printed on.
INF charges more money for, optically, less coverage. But at the end of the day- INF can guarantee you will be covered for any worsening pre-existing condition when enrolled in the Elite or Premier plan.
Ask another insurance company- "If my parent has a heart attack, will you cover me up to $1,000,000, 100% and I do not pay anything?" If the company says yes, in writing, please let us know.
Does visitors coverage for acute onset of pre-existing condition cover diabetes?
No. Visitors coverage plans that only cover acute onset of pre-existing conditions typically will deny claims related to diabetes related issues. Since diabetes is a chronic condition, it is hard for doctors to say where diabetic shock is truly an acute onset of pre-existing condition.
Moreover, most acute onset plans have wording to prevent claims from being paid for pre-existing issues related to diabetes. Diabetes is a chronic issue which requires chronic care. However, sometimes people forget to take their medicine or check their levels- which can reuslt in a drop or spike in blood sugar
Which is the best visitors coverage for parents age 70-79 with pre-existing conditions?
We recommend the INF Elite or INF Premier plan as the best options for visitors coverage. Any visiting senior citizen should buy a visitors coverage plan which covers pre-existing conditions. Our claims data tell us that whenever a senior above age 70 visits an emergency room, they average bill comes out to over $30,000.
A majority of the these large bills are due to two main costs: in-patient hospital room & blood work. Because your visiting parent does not have any medical records, they will certainly run many tests to find you what's going on with them. This is why its important to have a plan which will cover you no matter what happens.
Where is INF visitors coverage plans accept in the United States?
INF visitors coverage plans use two PPO networks: Multiplan and First Health Provider Network. When you visit an in-network provider- you get access to discounted medical rates, cashless claims, and the insurance will be accepted. Hospitals will always accept INF insurance, but you should be mindful to visit an in-network clinic or urgent care should the time arise,
Don't risk your parents health with an Acute Onset visitors coverage plan
Is there a visitors coverage that covers doctor visitor or urgent care for pre-existing conditions?
Yes. INF Elite & INF Premier cover all pre-existing conditions, including out-patient care such as doctors visits, urgent care, and specialist care. Full pre-existing coverage means INF treats pre-existing conditions like new sicknesses.
Full pre-existing visitors insurance means that your visiting parents are covered for the full scope of medical services required- not just emergency hospitalizations.