"travel Insurance And Pre-existing Medical Conditions: A Guide For Australians"

 "travel Insurance And Pre-existing Medical Conditions: A Guide For Australians" - Without medical insurance, international travel can be very dangerous. Most travelers assume their standard medical plan covers them, but it may not. If you have pre-existing medical conditions, it makes things even more complicated.

Most domestic health insurance plans do not cover international travel. Avoid the uncertainty of medical coverage with the right international travel insurance plan.
"travel Insurance And Pre-existing Medical Conditions: A Guide For Australians"



Visitors Protect covers foreign visitors to the US, Canada and Mexico. This temporary medical travel insurance covers pre-existing conditions so you can relax and enjoy your international trip.
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Visitors Protect is a plan from International Medical Group (IMG), a well-known and reputable travel insurance provider.

Let's see this travel insurance plan in detail and understand its advantages, coverage, exclusions and cost.

The Visitors Protect plan is designed exclusively for people traveling internationally to the United States, Canada and Mexico.

If you have your parents or a family member coming to visit you in the US, you may want to purchase travel insurance coverage for them and this plan should be considered. If your family member has pre-existing medical conditions, the plan will cover them.
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Since this plan covers pre-existing conditions, it will allow the visitor to focus more on enjoying their time abroad and less on worrying about their health care.

Visitors Protect Travel Insurance is a product of International Medical Group (IMG), one of the highly reputable insurance companies and a specialist international travel insurance provider.

There are very limited options in the market for travel insurance plans that cover pre-existing medical conditions. Visitors Protect is an outstanding plan from this point of view, here are some highlights of this travel insurance plan:



Visitors to the United States, Canada and Mexico who require travel insurance coverage can purchase Visitors Protect insurance.
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You must legally enter your country of destination on the effective date of coverage and pay the applicable premium on or before that date.

Those who have their primary residence or citizenship in the following countries will not be able to purchase this travel insurance:

Citizens of the following countries who wish to purchase US health insurance cannot purchase this travel insurance plan:

These are purchase restrictions for these 2 US states only. Coverage with this travel insurance policy continues even when tourists visit and stay in these states in the US.
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Read the travel insurance policy document carefully before purchasing health insurance to know all the details, inclusions and exclusions. Limits apply to cover pre-existing medical conditions.

A pre-existing condition is a medical condition or health problem that an insured person had before the effective date of the policy and for which he or she has received treatment or is currently receiving treatment.

Each insurance company has its own definition and review period when it comes to pre-existing medical conditions, it is best to refer to the explanation in the policy document before purchasing a travel insurance plan.



Yes, Visitors Protect Travel Insurance provides cover for a pre-existing medical condition as defined in the policy terms and conditions:
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When choosing travel medical insurance for parents with pre-existing medical conditions, it is important to consider their insurance needs and any pre-existing conditions they may have.

(1) ECONOMIC SANCTIONS: The Company shall not cover any person as an Insured Person if such coverage would expose the Company to any sanctions, prohibitions or restrictions under United Nations resolutions or trade or economic sanctions, laws or regulations of the EU -'s. Union, UK or USA.

(2) WAR; MILITARY ACTION: The Company shall not be liable and shall not provide coverage or benefit for any claim or charge incurred in connection with any sickness, injury, death and dismemberment, or other consequence, whether directly or indirectly, caused proximately or remotely, contributed to, or traceable to any of the following acts or occurrences: war, invasion, foreign enemy hostilities, warlike operations (whether declared or not), or civil war

(c) Any act by any person acting on behalf of or in connection with any organization with activities aimed at overthrowing the government by violence or influencing it by violence of any kind.
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(d) Martial law or a state of siege or any event or cause determining its proclamation or maintenance.

Any claim, charge, illness, injury or other consequence occurring or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely caused by, or contributed to by , traceable to or arising in connection with, any of the said occurrences shall be deemed and considered as consequences for which the Company shall not be liable under the Main Policy or this Certificate, except

(3) TERRORISM: The Company shall not be liable for and shall not provide coverage or benefits for any claim or charge, illness, injury or other consequence, whether directly or indirectly, proximately or remotely caused by, contributed to or traceable to any terrorist act. The Company shall not be liable and shall not provide coverage or benefit for any claim, charge, illness, injury or other consequence, whether directly or indirectly, proximately or remotely caused by, contributed to or traceable to the following:



(b) Any act of terrorism occurring in a location, post, area, territory or country for which a travel warning or emergency travel advisory has been issued or is in effect on or within six months of the Insured Person's arrival.
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(c) Any act of terrorism occurring in a country, post, area, territory or location for which a travel warning or emergency travel advisory is in force or is in force on or after the date of arrival of the Insured Person, and The Insured Person unreasonably fails or refuses to heed such warning and remains at the said location.

(4) MATERNAL AND NEWBORN CARE: This travel insurance plan does not cover antenatal, birth, postnatal or newborn care, including complications of pregnancy, miscarriage, childbirth or newborn.

(b) Is not presented to the company for payment by means of a completed proof of claim within 180 days of the charges incurred.

(d) Not necessary for the diagnosis, treatment or management of the physical condition. If the attending physician prescribes, recommends or approves, this applies.
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(h) Incurred by an insured person who was HIV+ on or before the initial effective date of this coverage, whether or not they knew their HIV status prior to the effective date and whether or not the charges relate to or as a result of said status. This exclusion includes charges for any treatment or supplies related to or arising from or resulting directly or indirectly from HIV, the AIDS virus, AIDS-related diseases, ARC Syndrome, AIDS and/or any other disease resulting from any complication or consequence of any of the above conditions.

(m) Required or recommended because of complications or consequences of any treatment, illness, injury or supply received prior to coverage under this insurance or that is excluded from coverage or not otherwise covered by this insurance.

(11) Fees for genetic medicine, genetic testing, surveillance testing, and wellness screening procedures for genetically predisposed conditions indicated by genetic medicine or genetic testing, including amniocentesis, drugs, adenovirus vector-based gene therapy -recombinant companion and other drug treatments linked to diagnoses related to genetic testing and discovery, genetic screening, risk assessment, preventive care and genetic screening.



(12) Costs of mental ability, intelligence, aptitude, personality, and stress management testing. Psychometric, behavioral and educational tests are possible.
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(14) Fees for educational or rehabilitative care that trains or retrains an insured person to function normally. Counseling, occupational therapy, speech therapy, and job or vocational training may be provided.

(15) Fees for weight modification or any inpatient, outpatient, surgical or other treatment of obesity (including morbid obesity), including dental implants and all forms or procedures of bariatric surgery by any name, or variation thereof, including intestinal bypass, gastric bypass, gastric banding, vertical band gastroplasty, biliopancreatic diversion, duodenal switch, or gastric reduction.

(16) Fees for body modification to alter or improve the Insured Person's physical appearance or psychological, mental or emotional well-being (such as sex reassignment surgery or surgery to improve sexual performance)

(17) Cosmetic or aesthetic charges or treatment, except for reconstructive surgery that is medically necessary and directly related to and subsequent to an operation covered by this insurance.
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(19) Charges for any treatment or supply that promotes or prevents conception, insemination (natural or otherwise), or childbirth, including artificial insemination, oral contraceptives, treatment for infertility or impotence, vasectomy, reversal of vasectomy, sterilization, reversal of sterilization , surrogacy, or abortion.

(21) Any illness or injury sustained while participating in, practicing or training for amateur athletics, professional athletics or athletic activities sponsored by any Governing Body or Authority, including the National Collegiate Athletic Association, any other collegiate or international sanctioning body Olympic Committee.

(22) Any illness or injury sustained while participating in activities defined as adventure sports, which are limited to the following: sliding; BMX; bobsled ride; jump from heights; canyoning; caving; hot air balloons; jungle zip lining; skydiving; paragliding; prescending; rappelling; skydiving; spelunking; wildlife safaris; and windsurfing



(23) Any illness or injury sustained while participating in activities defined as Extreme Sports, which include, but are in no way limited to the following (and include any combination or derivative of the following): BASE Jumping; cave diving; cliff diving; mountain biking and downhill racing; extreme skiing; free diving; free flight; free running; free skiing; freestyle scooter;
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