Can anyone give me advice on travel medical insurance to USA?

Question

I have just been diagnosed with a congenital heart disease and about to have surgery in UK, but have a holiday booked to Los Angeles is September. It;s the only thing to look forward to but I'm scared of needing hospital treatment and not sure how things work with insurance etc.

Answer 1

youll be fine just pray your heart out

Answer 2

Buying health insurance for someone that is sick is like buying car insurance for a car that has been wrecked and expecting the insurance company to fix your car. No health insurance company will cover her current condition. They always exclude pre-existing conditions for up to 12 months. Depending on the severity of illness she may be declined for coverage or you may need to pay a higher rate.

For traveling a great option is to get an international medical policy that is designed to cover anyone outside their home country. The best bet for international coverage would be International Medical Group IMGlobal.com. Visit the website then call the 800 for assistance.

Answer 3

YOU WILL NOT GET MEDICAL INSURANCE WHICH COVERS A PRE-EXISTING CONDITION!!

if it is on your records you have a heart condition your insurance WILL NOT cover it. and if you get sick there you will HAVE TO PAY FOR IT! just for a stay in hospital (no tests or consultations or anything costs at least $3,500 per DAY!)

wait until you have your operation or go somewhere else, I almost ended up with a $200,000 bill because of this! dont do it!

Answer 4

Try a company that specialises in pre-existing conditions- the only one I know of personally is ALL CLEAR.

If you have already booked your holiday before the diagnosis, then perhaps you have already bought the insurance too? If so, ring the company for advice.

Above all, if you cannot get proper insurance, DON'T GO.

I know that sounds harsh but the cost of medical treatment in the US (should you need it) is way beyond the cost of the holiday. It's really not worth the risk.

Good luck with your op.

Answer 5

Travel medical insurance is a temporally health insurance.  I can be obtain through your airlines while your are abroad.  

Your credit card company...specially American Express, does have a free health insurance for traveler included on your annual fees.  Check or call your credit card company...  and the last but not least your own insurance in the UK...might be able to reimburse you for medical expenses in the U.S. After paying for it...

I hope it helps

I've travel many times around the world and my American Express credit card cover me on anything while I was traveling abroad. ( Rent a car, lost luggage, etc)

By the way...POPPY is correct.. Only covers EMERGENCY situation, not existing issues

Answer 6

You need to ask different insurance companies about what they will cover you for. Be honest and they will find something that will cover you. Maybe after the operation it will be safer for you to go as the point in the operation is to make you better so it would have cost you less than before you had the operation.