Visitor Insurance are very popular given the increase in the number of people traveling outside their home country. People who travel internationally, are often insecure about the coverage for healthcare, while they are in a foreign land. It is because the healthcare is hugely expensive, when it comes to developed countries like the Canada ,US and other parts of Europe. It is intimidating to be without health insurance in a foreign land which means you will have to pay out of pocket in case of unexpected injury or sickness that might need medical assistance.
With all this being said, people are eagerly looking to buy health insurance plans for visitors before leaving their home country in order to have this protection shield while traveling. There are various travel health insurance plans also known as visitor insurance plans available online.
Before buying health insurance plan for a temporary basis for visit to a foreign country, it is necessary to remember certain points:
- Duration of the visit
- Age of the visitor/visitors
- Home country citizenship
- Destination country
- Any extra coverage needed for the visitor’s existing health condition.
Let’s talk about the heart related condition for a pre-existing condition:
The most important exclusion in the insurance for coverage of pre-existing condition is that, the prescription medication and the routine maintenance involved in treating the condition is not covered. Only any emergency or urgent situations, which can be reported by the doctor as acute onset or sudden recurrence of the pre-existing condition will be covered.
Heart diseases including heart attack rates have increased greatly in the recent years. Studies show that people suffer from various kinds of heart related diseases. As far as the visitor health insurance is concerned, if the condition has occurred prior to the insurance plan becomes effective, it is considered as a pre-existing condition. Heart Attack is one such heart related pre-existing condition. Most of the visitor health insurance for pre- existing condition plans available in the market today, have coverage for the acute onset or sudden recurrence of pre-existing condition. People with age of below 69 qualify for the maximum coverage available for the acute onset of pre-existing condition in a plan. Pre-Existing Conditions or related Medical Conditions as follows: a) For ages 69 and under on the Start Date, any Pre-Existing Condition or Medical Condition that was not Stable and Controlled during the 180 day period immediately prior to Your Start Date. For people above age 70, the options get limited and similarly the amount covered also reduces. Most comprehensive visitor insurance plans provide minimum coverage for even people above age 70. The bottom line is to find the right plan for your specific needs