Can I get Visitor Insurance with pre-existing conditions?

Yes, a pre-existing condition does get coverage, but knowing the limitations of the coverage and options available would help. Although in many of the plans of the visitor health insurance, a pre-existing condition is included in the coverage terms.

Some pre-existing conditions are fully covered, but some plans may be restricting or excluding them. One should make it a point to disclose all pre-existing conditions right in the beginning while getting a quote for Visitor Insurance so that the person gets his pricing accurate along with detailed coverage.

Sarah was travelling to Canada to meet her relatives, and her pre-existing condition of asthma was a problem. She googled search for “Visitor Insurance Plans” and found a “Pre-existing condition with zero waiting period” feature in one of them. Sarah was able to disclose her asthma when getting a Visitor Insurance Quote and hence got covered for the travel.

The best would be to compare several insurance providers in regard to the insurance coverage and plans offered. First, look for the most reputable insurance companies that offer specific Visitor Health Insurance Plans. Thus, you might ask for travel insurance visitor quotes from different companies.

They should provide details on when your travel will begin and when it will terminate, if necessary. From there, get a few quotes, comparing the coverage options against one another to get the best policy value for your dollars.

David was a businessman who was soon about to fly for a business trip to Canada. He was in search of Visitor Health Insurance Plans that would cover his pre-existing heart condition. He was pretty prompt in getting quotes from different providers and comparing the coverage options available using an insurance comparison tool online.

Simply by shopping around and seeking the best value for his money, David was able to procure one of the best, most competitively priced Visitor Health Insurance Plans, giving comprehensive coverage for the trip.

For instance, say there is a pre-existing condition, but you need Visitor Insurance. For this, you should first disclose this fact at the time of taking the quote for Visitor Insurance. Make sure you accurately tell the truth about your medical history to get the correct pricing and appropriate insurance.

Study each of the policies keenly to come up with the most preferable coverage for you after you get quotes from several of them. If you have any questions or concerns, don’t hesitate to reach out to the insurance provider for clarification.

While Emily was about to travel with her family to Canada, the issue that concerned her was her son’s allergy to peanuts. When she was getting quotes for Visitor Insurance, she finally revealed his allergy. Finally, she came across a plan in which there was coverage of pre-existing conditions, and under it, no exclusion was done. Only because Emily took the time to talk through her concerns with the company’s insurance provider, her family was able to enjoy the holiday.

Travelling to Canada would be quite impossible without Visitor Insurance, as it safeguards from a number of uncertain events such as medical emergencies. As much as Canada does offer good health care service, it’s also not free of charge. Being a guest in their country, you don’t have the same rights to such services as a Canadian citizen would. Visitor Insurance takes the financial burden of unplanned, unexpected medical expenditure off your shoulders and ensures that this will not be a hindrance in promptly getting you the needed care.

Mark and his wife planned a romantic trip to Canada. Suddenly, the wife got sick; she was found to be suffering from appendicitis. Had Visitor Insurance not been there, they would have had to suffer due to an exorbitant medical bill. However, they thanked their stars because Visitor Insurance was bought before the trip. It really came in handy as she had to undergo emergency surgery on reaching there and was eventually hospitalized for a couple of weeks. However, thanks to the Visitor Insurance that covered the cost of her surgery and subsequent hospitalization, they continued with the recovery process rather than thinking over monetary issues.

Coverage for pre-existing conditions, if provided, varies with the Visitor Insurance plan. Some of the plans provide all-inclusive coverage—both the course of treatment and medication are provided—while in some other cases, it might be limited or not allowed. Review the plan terms and conditions of the Visitor Insurance carefully so you know what they consider regarding pre-existing conditions.

Rachel came to Canada to attend a conference, and right while being within Canada, her arthritis flared up. She bought Visitor Insurance, but she was doubtful whether this condition was covered or not. However, when she reviewed the policy, she actually found out that the policy really covered her arthritis, and then she got treated without worrying about the bill.

Yes, you can purchase a Visitor Insurance plan after arriving in Canada, but it is usually advisable to buy a Visitor Insurance policy before landing in Canada. It is also possible to obtain insurance before your arrival, allowing you to travel to Canada and live comfortably for the duration of your stay. However, if insurance is not purchased on the date of the travel and if an extension of insurance coverage is required while in Canada, some insurers allow for the selling of coverage subsequent to the date of arrival.

John, coming for a two-week vacation, has just landed in Canada. However, before his departure, he forgot altogether to buy Visitor Insurance. On the third day of the stay, as he went hiking, he slipped and sprained his ankle. Finally, he managed to purchase Visitor Insurance online and pay off the medical bills. He could not help but regret that he should have bought insurance earlier, which would have saved both trouble and uncertainty.

Of course, if you feel the Visitor Insurance policy is no longer required, you have every right to cancel it at any time. The process and possible charges will be as per the insurance company. Some insurance companies will refund you for the unused portion of the coverage if you cancel the policy. Few may impose a cancellation fee, or the cancellation terms are in the policy. It is important that you check the cancellation policy of the visitor’s insurance plan before buying it.

Maria had planned an entire family trip to Canada, and all the plans were shuffled just an hour before due to a family emergency situation. So, the Visitor Insurance policy that Maria’s family had bought for that trip was standing cancelled. She called her insurer, who advised that she could cancel the policy for a refund of part of the money, which, in reality, really came in handy in easing some financial pressure over a crisis.

Most Visitor Insurance Plans cover emergency medical evacuation back to the home country, which is deemed necessary on grounds of medical liability. Thus, such coverage will guarantee medical treatment in the home country in cases when medical facilities or conditions are not available or adequate in Canada.

However, it is quite important to read and understand the terms and conditions of the Visitor Insurance policy in order to know the exact value for limitation in coverage and the requirements to be adhered to in emergency medical evacuation.

James came to Canada on a visit. He had an acute allergic reaction and needed specialized treatment, in his case. However, the Visitor Insurance plan he purchased covered emergency medical evacuations. James was airlifted to his home country for treatment under that policy. His insurance plan, which allowed him to get the care he needed, thus came to the rescue in time to save his life.