Pre-existing medical conditions are health conditions that existed before the visitor’s insurance plan comes into effect. Diabetes, high BP, Arthritis, chronic back pain, Asthma, heart ailments etc. are some of the pre-existing conditions. Acute onset of pre-existing conditions refers to their sudden recurrence during the trip. Formally, an acute onset of pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms.

As one of the largest visitor insurance broker in the United States, we have experienced that often the need to purchase visitor insurance is understood but visitors are unable to answer ‘which visitor insurance to buy’. Often it is assumed that the visitor insurance their friend purchased will be good for them too. But, it is not the right thing to do. The first step in buying the right visitor insurance for you is to compare various visitor insurance plans available.

Visitor insurance as the name suggests is the insurance meant for visitors. Do you think you are well prepared for your trip? If your answer is “No”, this blog post is to help you with the right purchase of visitor insurance for you. Here are some of the frequently asked questions from the prospective visitors.

Visitors before buying visitor insurance often wonder if it is expensive. The cost of Visitor Insurance Policy may differ plan to plan. Insurance agents before selling visitor insurance often ask the prospective visitors about their age, start and end dates of their trip, pre-existing medical conditions if any and type of their trip.

Examples- How is Premium Calculated

Let’s take a few examples to understand how certain factors affect the cost of visitor insurance i.e. the amount of premium visitors are supposed to pay: