Just like permanent health insurance plans, visitors insurance contains some exclusions of coverage. This measure is practiced by all health insurance companies to prevent false and undue claims from fraudulent customers.
Most health insurance for visitor policies usually carry an exclusion of illnesses caused by pre-existing conditions. For example, if a customer has a condition which causes seizures, the policy will not pay for medical bills involving a seizure incident. This is simply a way of ensuring that the visitor medical insurance provider is not paying for continuous problems and issues for a customer that are caused by a condition which was already present at time of plan purchase.
Another common exclusion of visitor insurance is against visitors who travel to another country for the purpose of seeking treatment for an illness. This is obviously unfair to the visitors medical insurance provider. Similarly unfair is when visitors travel against the advice of their primary care physicians.
Cosmetic surgery is also not usually covered by visitor health insurance plans. The exception to this rule is reconstructive surgery necessary to restore function after an injury or illness abroad.
Insurance for visitors will also not typically cover accidents as a result of voluntary participation in dangerous activities. Racing such things as motorcycles, cars, snowmobiles and horses can be applicable in this exclusion. Optional coverage riders may be purchased for activities like scuba diving if a traveler expects to partake in this activity.
It goes without saying that any injuries suffered while engaging in illegal activities will not be covered by any health insurance for visitors. Criminal activities and the injuries they cause are not covered by any policy, for that matter, and a visitor insurance policy is no different in that regard.
Most visitor insurance policies will not cover pregnancy or sexually transmitted diseases, either. Traveling abroad and practicing unsafe sex should not be grounds for a claim against a visitor insurance company. For these services, a traveler should seek treatment from their primary care physician upon returning home.
visitor health insurance carries quite a few exclusions, but the illnesses and injuries which are covered more than make up for the exclusions. Most people rarely encounter situations which void payment of a claim. Travelling abroad without visitors insurance is simply unsafe.
Most health insurance for visitor policies usually carry an exclusion of illnesses caused by pre-existing conditions. For example, if a customer has a condition which causes seizures, the policy will not pay for medical bills involving a seizure incident. This is simply a way of ensuring that the visitor medical insurance provider is not paying for continuous problems and issues for a customer that are caused by a condition which was already present at time of plan purchase.
Another common exclusion of visitor insurance is against visitors who travel to another country for the purpose of seeking treatment for an illness. This is obviously unfair to the visitors medical insurance provider. Similarly unfair is when visitors travel against the advice of their primary care physicians.
Cosmetic surgery is also not usually covered by visitor health insurance plans. The exception to this rule is reconstructive surgery necessary to restore function after an injury or illness abroad.
Insurance for visitors will also not typically cover accidents as a result of voluntary participation in dangerous activities. Racing such things as motorcycles, cars, snowmobiles and horses can be applicable in this exclusion. Optional coverage riders may be purchased for activities like scuba diving if a traveler expects to partake in this activity.
It goes without saying that any injuries suffered while engaging in illegal activities will not be covered by any health insurance for visitors. Criminal activities and the injuries they cause are not covered by any policy, for that matter, and a visitor insurance policy is no different in that regard.
Most visitor insurance policies will not cover pregnancy or sexually transmitted diseases, either. Traveling abroad and practicing unsafe sex should not be grounds for a claim against a visitor insurance company. For these services, a traveler should seek treatment from their primary care physician upon returning home.
visitor health insurance carries quite a few exclusions, but the illnesses and injuries which are covered more than make up for the exclusions. Most people rarely encounter situations which void payment of a claim. Travelling abroad without visitors insurance is simply unsafe.
About the Author:
Ray Sondeo often writes about health and travel insurance.
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