Visitors travel insurance covering maintenance for pre-existing conditions
- Thread starter alal123
- Start date
Doesn’t exist. The whole point of travel health insurance is to cover unexpected health issues. Even emergencies for pre-existing conditions are excluded from most policies which is why reading the fine print of policies is very important.
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Insurance broker shouldn’t be able to solve this issue. Travel insurance policies are not supposed to cover routine healthcare or care for pre-existing conditions (need to look at the fine print to determine what would be considered pre-existing condition). In the case of patents, for example, wanting to visit while having pre-existing medical conditions or wanting/needing regular monitoring then they should be planning on more frequent trips back home or to try to secure healthcare appointments in Canada that will need to be paid out of pocket. Accessing certain specialist appointments may be very difficult since there are typically long wait times and provincial healthcare holders are supposed to be prioritized. The healthcare needs of many visitors may dictate how long they are able to visit Canada. Even for supervisa visitors if they only secure 100k of insurance coverage the family needs to be prepared in case there is an emergency that is over 100k. Most hospitals are running deficits and are asking families to pay in full or take out a loan to reimburse the hospital. Hopefully the government will raise the coverage amount to 200k+ at a minimum. To reflect the cost of care these days.
Insurance brokers should be able to find which insurance policies covers routine or pre-existing conditions.
Maybe for emergencies related to pre-existing conditions and that maybe very expensive but not for routine care of that condition. The other big issue as a non-provincial health card holder you may not be able to access routine care especially by specialists because provincial health card holders are supposed to be given priority access.
