Travel Medical Insurance that covers Pre-existing Medical Conditions

“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?
Answer:
• 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?
Answer:
• 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?....

For the most up-to-date information on our travel medical insurance plans that also provide pre-existing medical conditions cover options please –
• or call one of our international expat and travel insurance agents at 480-813-9100 or toll free at 866-636-9100 here in Gilbert, Arizona, USA

Safe Global Travels – from your GNI Team here in Gilbert, Arizona!

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