Visitors Insurance for Pre-Existing Conditions
What are Pre-Existing Conditions?
INF Policies define pre-existing conditions as any condition within the past 12 months which has: 1) Worsened, become acute, or exhibit symptoms which cause a person to seek medical treatment 2) required the used of prescribed drugs (such as Lipitor or Janumet) 3) Been treated by a Doctor or treatment recommended by a Doctor.
INF Visitor Medical Insurance is designed to cover the worsening of pre-existing conditions. When you enroll in a visitors insurance policy for your parents, you want the peace of mind knowing your visitor medical insurance will cover you when anything happens. You get that peace of mind with INF. No other provider offers 100% coverage for pre-existing conditions like INF's full pre-existing coverage plans do.The INF Elite Network & INF Premier Plan (underwritten by CHUBB) cover all pre-existing conditions. This means we cover Out-Patient care (i.e. specialist care, doctors visits, & urgent care clinic) with regard to pre-existing conditions.
Why do only INF Plans cover Pre-Existing Conditions?
The reality is that all insurance companies have access to the same statistics. We all know what the expected loss is when we insured a visitor who is traveling to the United States. The main difference is that other companies do not care what happens to your visitor, if your claim is paid, or if your visitor is made whole.
Can I get a complete Physical Check Up with Visitors Insurance?
Physicals & regular Doctor's check ups are not covered by any visitors insurance policy. These are considered preventive care, which are not covered by these types of policies.
That being said- starting in Q1 of 2020, the INF Advantage plan offers a physical check up benefit for visitors. This one time physical will be available to those who purchase the INF Advantage plan for more than 30 days.
Are dental & vision covered by visitors insurance?
INF Plans come with the Careington POS Discount Card. This plan provides dental discounts of up to 50% of many procedures. The Discount Card also comes with a prescription discount card- which is accepted at 58,000 pharmacies across the country & a vision discount card as well.
Are pregnancy & prenatal care covered by visitors insurance?
Pregnancy & Childbirth are covered under the Standard, Premier, SelectCare, Choice, and Advantage Plan.
Why should I avoid Acute Onset of Pre-Existing Conditions Plans?
Acute Onset of Pre-Existing Conditions are emergency sicknesses caused by an existing medical issue. Acute Onset of Pre-Existing Conditions are very rare- and you will be hard pressed to get any benefits paid from an acute onset plan. The main reason is that insurance companies do not define what "Acute Onset" is- so they have the legal ability to deny claims saying a sickness was not acute onset or was a pre-existing condition.
Most providers who offer acute onset of pre-existing conditions plans have terrible customer experiences when it comes to claims. Moreover- some of their former clients have even sued the providers for false advertising the pre-existing condition coverage and make claims too burdensome! Not to mention- all other visitors insurance uses Non-Admitted Unregulated underwriters who are based on offshore tax havens in the middle of the Mediterranean.
How are Pre-Existing Conditions Determined?
The doctor makes a diagnosis based on a number of factors, including lab tests, patient health history, and an examination of the patients symptoms. From this process, the doctor can determine if a medical condition is caused by a pre-existing condition. This information is then shared with the insurance company.
Who should purchase Pre-Existing Coverage ?
It is highly recommend to enroll for pre-existing condition if you meet any of the following:
It is better to have a visitor medical insurance plans for USA travel than to risk paying for high medical bills, especially when exhibiting anyone one of these risk factors.
Why Should I Purchase Pre-Existing Visitors Insurance Coverage?
We take insurance to protect against the unknown. We don't know when a heart attack may come, but we do know there is an elevated chance if our visitor has high blood pressure or diabetes.
An analysis of our claims data showed the average heart attack in the United States costs $7,300, with San Jose the highest at $10,800. Pre-Existing Coverage for Visitors is the best way to protect your family against an unexpected financial burden of large medical bills.
INF Plans have a claims payments historical rate of 100%. This means we will pay all eligible claims out, no matter what. Get the peace of mind you need with INF Visitor Care.
Will Visitors Insurance cover a surgery I need?
The answer is Yes & No. Surgeries regarding a pre-existing condition will be covered underneath the INF Premier & INF Elite Network Plans pre-existing visitors insurance plans. Emergency surgeries (i.e. acute onset) will be covered underneath the INF Choice & INF Advantage visitors insurance plans. That being said, if your intent is enrolling in the insurance to seek medical treatment, there is no insurance which will cover the surgery.
Will Visitors Insurance cover heart attack or blood pressure?
Yes. INF plans will cover any complication related to the heart. Whether you have a heart attack, stroke, or just a sudden increase in blood pressue, INF visitor medical insurance will cover any complication which could arise. Even with INF's acute onset coverage- our visitors insurance plans will cover you visit an emergency as per the policy requirements. With INF- get the coverage you want, and the peace of mind you need.