Pre-existing conditions and how they are(not) covered with travel medical insurance plans
So, what do you do if you do have an existing health condition? Good question; which I'll answer if you can tell me where I left my keys a couple of weeks ago. I still can't find them. I'm really troubled because I can't unlock the Cheetos cabinet until I do. It's particularly aggravating considering all the trouble I went to 'borrow' and copy the warden's key *sigh*. Okay, I'll go ahead since you're not talking. The Beacon Series offers a Sudden Onset of Pre-existing condition benefit up to $15,000. Now, I just got done saying that existing conditions aren't covered. My ADD is bad but it's not Michael Jackson Bad. I always wondered how he came up with the one glove thing. Didn't his other hand get cold? So, pre-ex isn't covered as a general rule, but the Sudden Onset benefit allows for a little wiggle room. It won't pay for maintenance medications, meaning that if you're using an ongoing prescription drug, that's still your responsibility and won't be an eligible expense. However, if you are traveling and have a sudden recurrence, what most of us would call an attack (note: there are certain plan wording specifications regarding this, please see here for the description), the Sudden Onset benefit rides to the rescue with up to $15,000 worth of benefits. Pretty sweet, huh? It's a whole lot better than banging your head against the wall; which is what you will feel like doing when working with other insurance providers.