Procedures in the US and Travel Insurance

I am going to the US at Christmas and am going to have a medical test done.  I would be doing this as a private pay patient. 

There is a very minor risk that complications could arise afterwards but, if that happened, I am unsure if travel insurance would cover the complications.  By gut says no, since I am choosing to have the procedure but not sure.  Ultimately, I will call travel insurance company and ask but wondered if anyone had experience with this?

I would guess that if you travelled to the US knowing that you were having this test, with the risk of some kind of problem afterwards, filing a travel insurance claim might not be so easy. It might be seen as a previous medical condition. I would call your insurance company and check just in case.

It isn't a previous medical condition, it is a test to see if I have one.  Just called travel insurance and they "didn't know."  Will try again with another person.

I think since you're going to have an 'elective procedure' than any potential complications that may arise as a result would not be covered by travel insurance since that is not what travel insurance is intended for (unforeseen and unexpected delays/accidents/injuries) and not for known potential complications from an elective medical procedure.

However, all policies should detail exactly what is and is not covered and it is just a matter of reading all the fine print, which is a pain but necessary to do.

I think since you're going to have an 'elective procedure' than any potential complications that may arise as a result would not be covered by travel insurance since that is not what travel insurance is intended for (unforeseen and unexpected delays/accidents/injuries) and not for known potential complications from an elective medical procedure.

However, all policies should detail exactly what is and is not covered and it is just a matter of reading all the fine print, which is a pain but necessary to do.

Thanks.  This is what I was thinking and I will read it all.  Helpful to know other people's thoughts/experiences as well. Ta!