Hi I was wondering if anyone has an insurance company they use when travelling that will cover prostate cancer. We are travelling from Canada to the U.S for one week and having trouble finding a company that covers pre existing conditions I.e. prostrate cancer. Is there a company out there or do most travel without insurance and hope for the best?
Thanks for any advice.
Most insurance plans have pre-existing conditions clause and will not cover anything you are being treated for outside the country. Ask your insurance provider if they have any foreign provisions. I'm fortunate to have 100% worldwide coverage through Anthem Medicare employer provided plan.
travel insurance isn’t designed to be health insurance , it is primarily accident and travel sickness insurance. Covers things that occur on trip .
Our travel insurance didn't cover pre-existing conditions like prostate cancer, but it still covered everything else, so we weren't concerned. It was unlikely that the cancer would cause any problems while we travelled. This would be especially true for a short trip like yours of just one week. Just take out the least expensive travel insurance that covers what you want and go and enjoy yourselves.
I am not familiar with Canadian plans, sorry, but for the USA,if you buy the insurance within a couple of weeks of paying for portions of your trip , they waive the pre existing condition clause
Could you elaborate? In years past before PC I purchased a BCBS (I believe) travel insurance that was good for a year or maybe the calendar year, for perhaps $130 or something like that. I don't remember the details at this point but seems like there was a list of hospitals where you could use it in each country, not sure worked at any hospital? But I think it paid If you needed to be flown back to US in a medical plane? Didn't have Pre existing conditions so don't remember anything along that line. Is this what you're referring to? What is the waiving of pre existing by paying for trip about?
We always use TravelGuard for travel outside the country. To get a pre-existing condition rider one must purchase the policy within two weeks of booking a trip.
We have looked in to travel insurance before and we have checked with our regular insurance company. They do not cover pre-existing problems. For US citizens who first go on to Medicare the Medicare Advantage and Medicare Supplemental plans, which ever you opt for, are required to give you full coverage for your health, including pre-existing conditions. However, if you have a break in coverage, then you probably would lose coverage for pre-existing conditions. I'm not sure what would happen if you try to change the separate plan and go for a higher level of coverage plan. I am not an expert but my spouse is "certified" for Medicare knowledge as she worked as a customer software rep for a company that provides software to insurance companies who provide Medicare plans.
I have found that most all medical insurance companies, Medicare or otherwise, often provide coverage for getting back to your country to get treatment. I don't remember if that is only for emergencies but I would think that if it is not an emergency that you should be able to get back yourself. They will provide "stabilization" coverage for air or ambulance or limited medical care until you get back. They don't cover you if it is not an emergency or you opt not to go back.
I think there are a very limited number of insurance providers that can offer a more extensive coverage in a foreign country. I'm not absolutely sure about that. I am sure that if you can find it, it will hav many exceptions and be very expensive. I have heard that Canadians are in a special case though because your government is involved. But that could just be another misconception that most Americans have about Canadian healthcare.
If you are taking up some form of residency in the other country you might be able to get insurance from a company in that country. Sorting out insurance is never fun.
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