Which is The Best Travel Insurance with Pre-existing Conditions Coverage?
- Many savvy travelers are looking for coverage for what are called "Pre-existing conditions".
- I call them savvy simply because many policies specifically exclude pre-existing conditions from ANY coverage.
- So, if you have a visitor with some condition that you are concerned about, it will be worth your time and peace of mind to check policies that will cover these conditions.
What is a Pre-existing Condition?
- Each company uses a slightly different definition, but basically a pre-existing condition is a medical condition which a person has been diagnosed with, is being treated for, or has before the start date of the policy (with reasonable medical certainly).
- The definition does not mean you have to have a diagnosis for the condition, nor do you even need to know you have the condition when you purchase the policy.
- Some conditions are specifically excluded from any coverage.
💡 Important Exclusions These are usually congenital disorders, HIV infection, cancer, and often some chronic conditions.
How Coverage Works?
- Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition.
- Conditions should be well taken care of (not in need of continued treatment) and then sudden, unexpected emergency situations MAY be covered.
- Persons applying for coverage will not be required to show any medical documentation of health and/or medical conditions.
- When an issue arises, the insurance company will rely on the doctor’s diagnosis and information provided by the insured (medications taken, etc).
Which Travel Insurance Covers Pre Existing Conditions?
Safe Travels USA Comprehensive is a great comprehensive plan which offers coverage for sudden and acute onset of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum. For persons above 70 to 79 Acute Onset benefits is reduced to a maximum of $35,000. For 80 and above, acute onset benefits are limited to a maximum of $20,000. Safe Travels USA Comprehensive cost for a 60-year old traveler starts at $172 per month. Review Safe travels USA comprehensive brochure for more details and buy online.
Another excellent option is found in the Atlas America/International plan (Atlas America is for travel to the US and the Atlas International plan is for travel anywhere else). They cover acute onset of pre-existing conditions. These plans offer limited benefit up to the medical coverage maximum and excludes chronic and congenital conditions. Atlas America cost for a 60-year old traveler starts at $151 per month, while Atlas International cost for a 60-year old traveler starts at $117 per month.
The coverage for pre-existing conditions is available for individuals under 80 years of age. This is a very economical option, particularly if you are traveling outside the USA. You can get free quotes for Atlas Plans and/or to purchase the plan and view the Atlas Travel brochure for more details.
Atlas premium is the latest version of the comprehensive plan provided by the World Trips. This plan also provides all the benefits that are available with the Atlas America and apart from that has some unique benefits. This plan provides higher benefits for political evacuation, repatriation, trip delay, trip interruption and emergency reunion compared to the Atlas America plan.
Another excellent option is the Patriot Platinum plan which can be purchased at high maximums ($8 million for persons below 70 years, $100k for persons over 70 years) or the sister policy Patriot America Plus. Patriot America Plus offers coverage for Non US citizens as usual, reasonable and customary charges. US citizens with primary health plans are covered to the policy maximum purchased and those without primary care plans are covered up to $20,000 only.
Patriot Platinum cost for a 60-year-old traveler starts at $304 per month, while Patriot America Plus cost for a 60-year-old traveler starts at $177 per month. After age 65, both US and non-US citizens are covered only up to $2,500 for any pre-existing condition. You can review the quotes and Buy Patriot Platinum or buy Patriot America Plus plans. To view the details of the plans at Patriot Platinum brochure, Patriot America Plus brochure.
Visitors Protect : This is an affordable comprehensive benefit American visitors medical insurance plan provides coverage for international visitors traveling from their home country to the U.S., Canada, and Mexico.Covers pre existing condition for age 69 and below up to $25,000 and for age s 70 and above it covers up to $20,000 with deductible up to $1,500. Coverage for medical expenses, evacuation, and repatriation. Visitors Protect cost for a 60-year-old traveler starts at $449 for a 3 month period.
Buy Visitors Protect insurance.
A much more economical option comes in the Travel Medical USA plan which covers any pre-existing condition up to the maximum of the plan you purchase one time with benefit limits as listed for the plan. As a fixed plan, it only covers set amounts per each medical expense (see brochure for details). Please note that the coverage for pre-existing conditions is only extended to persons under 79 years old. Get a quote or buy Travel Medical USA. You can look at a Travel Medical USA Basic brochure for more details.
for coverage of pre-existing conditions for US citizens can be found in the Travel Medical Series plans, specifically the Travel Medical Choice Insurance. Including USA: Acute onset of pre-existing conditions are covered with Cardiac Condition and/or Stroke up to $50,000 for age under 69 years and a coverage of $5,000 for age of 70-79, other than Cardiac Condition and/or Stroke it covers up to $75,000 for age under 69 years and a coverage of $7,500 for age of 70-79 for Excluding USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age of 65-79.
Travel Medical Basic Insurance offers policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000.
- Including USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years and a coverage of $2,500 for age of 70-79.
- Excluding USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 64 years and a coverage of $5,000 for age of 65-79. Travel Medical Basic cost for a 60-year-old traveler starts at $168 per month.
Travel Medical Choice Insurance offers policy maximum is available up to $5,000,000 for people up to 79 years and reduces to $10,000 for people above 80 years. Acute Onset of Pre-Existing Conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age of 65-79.Coverage for U.S Citizens while traveling outside of Home Country. Travel Medical Choice cost for a 60-year-old traveler starts at $275 per month.
The most limited plan is with the very popular and economic Visitor's Care plan. This plan offers acute on set of pre-existing coverage up to the plan maximum under 70 years. This plan is only available to non-US citizens. Despite the limitation, it does offer some coverage for all ages. Visitors Care cost for a 60-year-old traveler starts at $40 per month Buy or get a free quote for Visitors Care. View the Visitors Care brochure for detail information.
INF Premier X: This is a Fixed benefit plan providing policy maximum options of $100k, $150k, $300k, $500k and $1M for the age of 0-69 and $100,000 for the age range of 70-99. This is a full pre existing coverage plan where the coverage includes doctor appointments, blood tests, special care, urgent care which would not be covered under “full pre-xisting” coverage plans.
Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 , policy maximum $500,000 covers pre-existing condition maximum of $150,000/$200,000 with deductible $1,000/$5,000 for age 0 to 69 years and policy maximum $1,000,000 covers pre-existing condition maximum of $150,000/$200,000 with deductible $1,000/$5,000 for age 0 to 69 years.
For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000. INF Premier X cost for a 60-year-old traveler starts at $397 for a 3 month period.
INF Elite X X: This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above. Provides policy maximum options of $150k, $250k, $300k, $500k and $1M for the age of 0-69 and $75,000 for the age range of 70-99.
Covers full pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years. INF Elite X X cost for a 60-year-old traveler starts at $1243 for a 3 month period.
INF Elite X Plus X: This plan covers Preventive & maintenance care and coverage for full body physicals. This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above. Provides policy maximum options of $150k, $250k and $300k for the age of 0-69 and $75,000 for the age range of 70-99.
Elite Plus plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years. INF Elite X Plus X cost for a 60-year-old traveler starts at $1823 for a 3 month period.
Covers full pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years. INF Elite X 90 X cost for a 60-year-old traveler starts at $1438 for a 3 month period.
INF Premier Plus X: Premier Plus plan which covers both preventive care, full body physicals & pre-existing conditions for Non-US citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.Provides policy maximum $300k for the age of 0-69 years.
Premier Plus plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years. INF Premier Plus X cost for a 60-year-old traveler starts at $1164 for a 3 month period.
What is Visitors Insurance for Pre-Existing Conditions?
There are several visitors insurance plans available for international travel. However many visitors insurance and travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition.
The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased. However, there are some travel health insurance plans which do offer coverage for pre-existing conditions with the policy clearly defining a look back period and what is covered for pre-existing conditions as well as specifying a limit for this coverage.
Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition.
INF insurance however has the INF Elite X insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.
How Much Does Best Visitor Insurance With Pre-Existing Conditions Cost?
The cost of cheap travel insurance for visitors with chronic illnesses ranges from $39 to $229 per month, depending on factors such as visitor’s age, duration of coverage, medical maximum, and deductible.
| Plan Name | Medical Maximum | Deductible | Acute onset coverage | Cost |
|---|---|---|---|---|
| Safe Travels Advantage | $25,000 | $0 | Up to 89 yearsopen_in_new | $39 |
| Visitors care | $25,000 | $100 | Up to 70 yearsopen_in_new | $40 |
| Safe Travels Elite | $25,000 | $0 | Up to 89 yearsopen_in_new | $50 |
| Visit USA Budget | $50,000 | $250 | Up to 65 years and aboveopen_in_new | $49 |
| Safe Travels USA Cost Saver | $50,000 | $250 | Up to 69 yearsopen_in_new | $139 |
| Visitors Preferred | $50,000 | $250 | Up to 70 yearsopen_in_new | $148 |
| Atlas America | $50,000 | $250 | Up to 79 yearsopen_in_new | $151 |
| Patriot America Plus | $50,000 | $250 | Up to 70 yearsopen_in_new | $164 |
| Travel Medical Basic | $50,000 | $250 | Up to 79 yearsopen_in_new | $168 |
| Safe Travels USA Comprehensive | $50,000 | $250 | Up to 69 yearsopen_in_new | $172 |
| Venbrook Premier | $50,000 | $250 | Up to 70 yearsopen_in_new | $176 |
| Diplomat America | $50,000 | $250 | Up to 70 yearsopen_in_new | $229 |
Source: American Visitor Insurance®
The visitor health insurance USA pre existing conditions cost starts from $55 to $233 per month. The cost depends on the visitor’s age, duration, medical maximum coverage and deductible.
| Plan Name | Medical Maximum | Deductible | Acute onset coverage | Cost |
|---|---|---|---|---|
| VisitorSecure | $50,000 | $100 | Up to 70 yearsopen_in_new | $55 |
| Atlas International | $50,000 | $250 | Up to 79 yearsopen_in_new | $117 |
| Patriot International Lite | $50,000 | $250 | Up to 70 yearsopen_in_new | $121 |
| Travel Medical Basic | $50,000 | $250 | Up to 79 yearsopen_in_new | $121 |
| Intermedical | $50,000 | $250 | Up to 80 yearsopen_in_new | $121 |
| Atlas Premium International | $50,000 | $250 | Up to 79 yearsopen_in_new | $164 |
| Safe Travels International | $50,000 | $250 | Up to 69 yearsopen_in_new | $233 |
Source: American Visitor Insurance®
How Can You Tell If a Condition Is Considered Pre-Existing for Travel Insurance?
A pre-existing medical condition refers to any health problem you had before your travel insurance started, even if you didn’t know about it.
Insurance companies check your recent medical history (called the look-back period, usually 60 to 180 days) to decide if something counts as pre-existing.
This includes any condition where you:- Were diagnosed or treated by a doctor.
- Were taking medicine for the condition.
- Had symptoms or tests related to it.
- Were advised to see a doctor for it.
If you took medicine for high blood pressure or diabetes a few months before your trip, that will be seen as a pre-existing condition.
Why Should I buy Visitor Insurance for Pre-Existing Conditions?
There are several compelling reasons for buying Visitors Insurance for Pre-existing conditions. Some of the important reasons are :
- Coverage for Sudden Medical Emergencies: Visitor insurance that includes acute onset of pre-existing conditions provides protection if a long-term health issue (like diabetes or heart disease) suddenly flares up during your trip. This helps travelers get timely treatment without facing large medical bills.
- Comprehensive Medical Support: These plans not only help with sudden complications of pre-existing conditions but also cover new illnesses, injuries, and doctor or hospital visits that may occur while you’re in the U.S.
- Protection Against COVID-19 and Other Infections: If you contract COVID-19 or another covered illness while visiting the U.S., your insurance can help pay for the necessary treatment, ensuring your trip isn’t disrupted by unexpected medical costs.
- Emergency Assistance and Evacuation: If your condition worsens and requires transportation to a better-equipped hospital or your home country, emergency medical evacuation benefits can take care of those arrangements and expenses.
- Financial Security During Travel: Visitor insurance with pre-existing coverage helps you travel confidently knowing that if your health condition unexpectedly worsens, you won’t face overwhelming out-of-pocket expenses.
- Ideal for Senior Travelers: This type of coverage is especially valuable for parents or elderly travelers visiting the U.S., providing peace of mind and essential medical protection throughout their stay.
Why Choose American Visitor Insurance to buy the Best Pre-Existing Condition Travel Insurance?
These are some of the important reasons to use the American Visitor Insurance platform to buy the Best Pre-Existing Conditions Visitors Medical Insurance
- Over two decades experience and Thousands of satisfied customers: The staff at American Visitor Insurance have over twenty years of experience in the US visitors Insurance domain. American Visitor Insurance has helped Thousands of international travelers find the best travel insurance for their needs.
- Trusted Source: American Visitor Insurance works with top-rated U.S. travel insurance companies and offers plans specially designed for visitors with existing medical conditions, ensuring protection against high healthcare costs during travel. American Visitor Insurance has constantly worked to make it easy for a traveler to make an informed decision and find the best visitor insurance for their needs by providing useful comparison tools, relevant FAQs , customer forums and resourceful blogs.
- Compare Side-by-Side: Instantly review coverage, benefits, exclusions, and prices for leading plans including INF Elite X, INF Premier X, Visitors Protect, Safe Travels USA Comprehensive, Travel Medical Choice, and Patriot America Plus.
- Tailored Coverage Options: Plans available for visitors to the U.S., senior travelers, and parents visiting children abroad, offering both acute onset and full pre-existing condition benefits.
- Comprehensive Protection: Coverage includes hospitalization, emergency medical treatment, doctor visits, prescription drugs, medical evacuation, and repatriation helping manage both new and existing conditions.
- Transparent Pricing: Get instant online quotes with clearly listed premiums, deductibles, and policy limits no hidden charges or confusing fine print.
- Nationwide PPO Network: Access a large network of PPO healthcare providers in the U.S. for cashless treatment and faster claim settlements.
- 24/7 Expert Assistance: Our licensed agents are available around the clock to help you select the right plan, understand pre-existing condition terms, renew coverage, or file claims while abroad.
- Peace of Mind for Every Traveler: Whether you’re a senior, long-term visitor, or a traveler managing chronic conditions, American Visitor Insurance ensures safety, security, and financial protection wherever you go.
What Are The Best Travel Insurance Options for Pre-Existing Conditions?
The best US visitors insurance with pre-existing conditions coverage is listed here:
Patriot America Plus IMG
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
- Emergency medical evacuation: Covers $25,000 maximum limit
- Direct Billing: First healthcare network
or United HealthCare 
- Patriot America Plus cost for 65 year old traveler ranges from $117 to $448 for a month.
Policy maximum?
$50,000 to $1,000,000Deductible options?
$0 to $2,500Period of coverage?
5 days to 12 months
INF Elite X X INF
- Full pre-existing conditions: Up to 99 years
- For travelers aged 0 to 69, choose a maximum benefit of $25,000, $30,000, $40,000, or $50,000 with deductible options of $1,500, $2,000, $2,500, $5,000, or $10,000. For ages 70 to 99, the maximum benefit is $20,000 with a $1,500 deductible.
- Direct Billing: Unitedhealthcare
- Visitors Protect Insurance cost for 65 year old traveler ranges from $947 to $1,415 for 3 months.
Policy maximum?
$150,000 and $300,000Deductible options?
$500 to $5,000.Period of coverage?
Minimum purchase 90 days
Visitors Protect IMG
- Pre-existing conditions: Up to 99 years
- Provides coverage for pre-existing conditions with a maximum benefit of up to $25,000 for individuals aged 0 to 69. For those aged 70 to 99, the maximum benefit is $15,000 and is subject to a $1,500 deductible.
- Direct Billing: First healthcare network or Unitedhealthcare
- Visitors Protect Insurance cost for 65 year old traveler ranges from $637 to $1,593 for 3 months.
Policy maximum?
$50,000 and $250,000Deductible options?
$250 to $5,000Period of coverage?
Minimum purchase 90 days
Atlas America Insurance WorldTrips
- Acute onset of pre-existing conditions: Up to maximum limit, for ages up to 80 years
- Emergency medical evacuation: $25,000 maximum limit
- Direct Billing: Unitedhealthcare
- Atlas America Insurance cost for 65 year old traveler ranges from $120 to $358 for a month.
Policy maximum?
$50,000 and $100,000Deductible options?
$0 to $5,000Period of coverage?
Up to 364 days
Venbrook Premier Venbrook International
- Acute onset of pre-existing conditions: Up to maximum limit, for ages up to 70 years
- Emergency medical evacuation: $25,000 maximum limit
- Venbrook Premier may cover sudden diabetic events as acute onset under certain conditions. If no pre-existing conditions exist, it's treated as a cardiovascular event.
- Venbrook Premier Insurance cost for 65 year old traveler ranges from $120 to $358 for a month.
Policy maximum?
$50,000 and $100,000Deductible options?
$0 to $5,000Period of coverage?
5 days to 12 months
Safe Travels USA Comprehensive Trawick International
- Acute onset of pre-existing conditions: Up to 89 years
- For those under 70, medical treatment is covered up to the policy maximum. For individuals aged 70 to 79, the acute onset benefit is limited to a maximum of $35,000. For those aged 80 and above, the benefit is reduced to a maximum of $20,000.
- Direct Billing: First HealthCare
- Safe Travels USA Comprehensive cost for 65 year old traveler ranges from $117 to $448 for a month.
Policy maximum?
$50,000 and $100,000Deductible options?
$0 to $5,000Period of coverage?
5 days to 364 days
Acute Onset vs Full Pre-Existing Condition Coverage in Travel Insurance
Acute Onset vs Full Pre-Existing Condition
| Feature | Acute Onset of Pre-Existing Condition | Full Pre-Existing Condition Coverage |
|---|---|---|
| What it Covers? | Sudden and unexpected medical emergencies related to a pre-existing condition | Medical treatment related to both emergency and non-emergency care for a pre-existing condition |
| Nature of Condition | Must be acute, sudden, and unforeseen | Can include ongoing or recurring conditions |
| Stability Requirement | Usually required (e.g., stable for 60–180 days) | Strict stability requirements apply |
| Coverage Limitt | Limited (commonly $10,000 – $50,000) | Higher limits available (up to the policy maximum) |
| Type of care covered | Emergency medical care only | Emergency and non-emergency care |
| Routine doctor visits | ❌ Not covered | ✅ Covered |
| Eligibility | Often available up to age 79 or 80 | Usually limited to younger travelers; fewer plans for seniors |
| Cost | More affordable | More expensive |
| Best For | Elderly visitors, short-term travelers | Long-term visitors, immigrants, students |
What Pre-Existing Conditions Are Covered by Travel Insurance?
Travel insurance does not automatically cover all pre-existing conditions. Coverage depends on the type of plan, age of the traveler, and whether the condition meets the insurer’s definition of eligibility (such as stability or acute onset).
Commonly Covered Conditions- Diabetes
- High blood pressure (hypertension)
- Asthma
- Heart disease
- Arthritis
- High cholesterol
- Stable cancer (history of cancer, depending on plan rules)
- Controlled epilepsy
- Thyroid disorders
👉 Coverage usually applies only if the condition was stable for a specified period before the policy start date.
What are The Benefits of Travel Insurance that Covers Existing Medical Conditions?
- It provides financial protection for medical expenses related to an acute onset of a pre-existing condition required during your trip.
- Covers emergency services that includes hospitalization and surgery.
- Emergency medical evacuation that covers the cost of transportation services and help you to reach the nearest hospital for medical facility.
- Some visitors insurance for pre existing conditions in USA provide access to PPO networks which in itself reduces the medical bill.
Who Should Buy Travel Insurance With Pre-Existing Condition Coverage?
When traveling with a pre-existing medical condition, choosing the right travel insurance is especially important. American Visitor Insurance helps travelers find plans that offer coverage options designed for different health and travel needs.
- Senior travelers and retirees
- Parents visiting the USA
- Visitors on B2 visas
- Green card holders awaiting permanent coverage
- Travelers with chronic but stable medical conditions
Healthcare costs in the United States can be overwhelming, even for short visits. American Visitor Insurance makes it easy to compare trusted travel insurance plans that offer pre-existing condition coverage, helping you travel with confidence and peace of mind.
How Do Fixed Benefit and Comprehensive Visitor Insurance Offer Coverage for Pre-Existing Conditions?
Comprehensive vs fixed benefit visitor health insurance for senior citizens.
| Feature | Fixed Benefit Visitors Insurance | Comprehensive Visitors Insurance |
|---|---|---|
| 💲 Cost | Affordable with lower premiums | More expensive due to extensive coverage |
| 🛡️ Coverage | Fixed amount per benefit limited or coverage under certain conditions | Benefits for covered medical expenses up to the plan maximum |
| 📉 Deductibles | Usually higher deductibles for lower cost | Often lower deductibles, more coverage |
| 🌐 PPO network | Offer flexibility in choosing doctors and hospitals within a PPO network | Limited flexibility in choosing doctors and hospitals |
| ❤️ Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | Some plans offer coverage, while some others offer coverage only for acute onset of pre-existing conditions |
| 👥 Recommended for | Travelers with fewer health concerns | Seniors looking for extensive medical coverage |
What Are The Factors to Consider While Purchasing Visitors Insurance for Pre Existing Conditions?
The following are the important factors to consider while purchasing travel insurance for pre-existing conditions
- The definition of pre-existing conditions and the look back period under the policy.
- The eligibility age limit for pre-existing conditions coverage.
- Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
- The coverage limit for pre-existing conditions which is different from the policy medical maximum.
- The deductible and out of pocket expenses for pre-existing conditions coverage.
Need Assistance Choosing The Right Plan?
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What Are The Best Travel Insurance Tips for Travelers With Pre-existing Conditions?
Here are some travel insurance tips for travelers with pre-existing conditions:
- Choose a travel health insurance plan that covers pre-existing conditions.
- Read the policy carefully to understand what is covered and what is not.
- Be aware of any waiting periods for coverage of pre-existing conditions.
- Consider buying a visitors insurance policy with higher coverage limits.
- Carry a copy of your medical records and list of medications with you when traveling.
- Ensure that you carry your medical prescription and medicines during your trip.
- Know how to access medical care in your destination.
- Contact your visitors insurance provider immediately in case of any medical emergency.
- Disclose all pre-existing conditions when buying visitors health insurance.
- Follow all necessary procedures to file a claim for reimbursement of medical expenses.
How to Choose Travel Insurance for Pre-Existing Health Issues?
- Some plans offer limited coverage for pre-existing or for the acute onset of pre-existing conditions.
- Check for the age restrictions, as coverage options and limits reduce for older travelers.
- Review the insurance plans which offer coverage for specific conditions diabetes, heart disease or other chronic illness.
- Look for travel insurance that includes pre existing medical conditions with high medical coverage limits and a lower deductible.
- Not all insurance plans offer the same benefits, compare medical maximum limits, exclusions, deductibles and premiums carefully.
- Ensure the policy includes emergency medical evacuation coverage in case of severe health emergencies.
Best US Visitor Insurance for Elderly Travelers With Health Conditions
- Pre-existing condition is a medical ailment that existed before the travel insurance became effective.
- Another term that we come across more frequently in insurance policies is "Acute onset of pre-existing condition". Acute onset of pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.
- Travelers with pre-existing conditions always find it hard to buy travel health insurance.
- Some of the common conditions that are considered as pre-existing conditions are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes.
- Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided.
- Most do not cover anything related to a pre-existing condition.
- Travelers can buy a travel insurance policy without a medical check, however chronic illnesses like cancer, parkinson's disease, Amnesia...which cannot be cured are not covered by the travel health insurance policies.
- With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim.
- Most of the Insurance providers consider the age of the individual as a factor for providing this benefit.
- Most of the policies do not provide coverage for pre-existing conditions at the age of 70 and more.
- Some US insurance providers offer senior citizen travel insurance for pre-existing conditions above the age of 80 with fixed or limited coverage.
- The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness.
- If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.
- INF is one of the few companies which offers travel insurance plans for travelers with flexible coverage for pre-existing ailments.
- They define pre-existing conditions differently and do not exclude chronic illness.
- If the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition.
- If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.
- They have two plans which have this coverage: INF Premier X and INF Elite X.
- The Premier plan is a fixed plan which has limitations on the coverage of each medical expense.
- The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible).
- Note that regularly needed maintenance medications or treatments are still not covered with these plans.
- The plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico.
- The Elite plan has several variations: INF Elite X, Elite Plus and INF Elite X 90.
INF Elite X and Elite 90 X Plans Sub Limits on Pre-Existing Coverages
I have a question regarding the INF Elite X and the Elite 90 visitor insurance plans. On the brochure of the first page, under pre-existing conditions, there are two age categories:
Are the sub limits shown under the "Maximum Benefit: $20,000" applicable only to the travelers aged 70 -99, or do those sub limits apply also apply to people aged 0-69?
Also, I noticed sub limits like:
Do these apply to all ages or just to the older group?
And if room charges are capped at $15,000, that feels quite low given how expensive hospital stays can be in the US. What's the real benefit of buying a pre-existing conditions covering plan if those caps exist? Lastly, are these limits for ICU rooms only, or do they include regular rooms as well?
And what exactly does "Hospital room miscellaneous" cover?
Thanks in advance,Lokesh
Response from American Visitor Insurance with INF support
Hello Lokesh,Thanks for reaching out with this important question - It's a common one for travelers comparing the INF Elite X and Elite 90 X plans.
- The $20,000 maximum benefit applies specifically to travelers aged 70 -99.
- The sub limits listed (e.g.,$15000 for Hospital/ICU Room & Board) apply to both age groups - but always within the context of each group's overall maximum benefit.
Here is a breakdown of what each sub limit covers:
| Benefit Type | Limit | What It Covers |
|---|---|---|
| Hospital / ICU Room & Board | Up to $15,000 | Covers regular and ICU room charges, including basic nursing care |
| Hospital Miscellaneous | Up to $15,000 | Covers lab tests, X-rays, medical supplies, and in-hospital medications |
| Surgery (Pre-Existing) | Up to $15,000 | For surgeries related to pre-existing medical conditions |
| Hospital Emergency | Up to $15,000 | For ER visits linked to pre-existing medical issues |
| Assistant Surgeon | Up to $5,000 | Covers assistant surgeon charges |
| Prescriptions | Up to $500 | Medications for pre-existing conditions |
- Even though the sub limits may appear low, most U.S hospitals within PPO Network offer significant negotiated discounts(50% - 90%) reducing the out of pocket impact before insurance benefits apply.
- We understand your concern about hospitalization costs, and these sub limits are designed to provide meaningful support for unexpected acute medical emergencies related to the pre-existing conditions while maintaining affordable premiums for senior travelers.
- Hope this clarifies your questions! Please feel free to reach out if you'd like personalized plan recommendations or cost scenarios.
Regards,
Customer Care
www.americanvisitorinsurance.com
(877) 340 7910
Which Pre-Existing Conditions Are Covered by US Travel Insurance?
Covers emergency care, treatment interruptions, or unexpected medical expenses related to cancer while abroad.
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How Does Coverage for Pre-Existing Conditions Work?
- Definition of a pre-existing condition – what medical conditions are considered pre-existing.
- Look-back period – the time frame prior to travel during which a condition is considered pre-existing.
- Type of coverage – whether the plan covers only acute onset (sudden flare-ups) or full coverage (ongoing treatment).
- Coverage limits – the maximum amount the policy will pay for pre-existing conditions.
Acute onset vs. Chronic Conditions
| Type | Definition | Examples |
|---|---|---|
| Acute Onset of a Pre-Existing Condition | A sudden and unexpected onset of a pre-existing condition that occurs after coverage starts and requires immediatemedical attention. | Heart attack, sudden asthma attack, acute appendicitis |
| Chronic Pre-Existing Condition | A long-term or ongoing condition that existed prior to coverage and is generally managed over time | Diabetes, hypertension, chronic kidney disease |
Some visitor insurance plans cover acute onset of certain pre-existing conditions but do not cover chronic management.
What Is the Best Travel Insurance for Travelers With Chronic Health Conditions?
Best Overall Option
- Covers chronic health conditions if they are stable during the policy’s look-back (stability) period.
- Provides broader protection compared to emergency-only plans
- Helps pay for hospitalization, emergency care, and doctor visits
- Ideal for parents visiting the USA, long-term visitors, and frequent travelers
Recommended for travelers seeking the best visitor insurance plans with pre-existing condition coverage - INF Elite X X, INF Premier X
Best for Seniors and Short Trips
- Covers sudden and unexpected medical emergencies related to pre-existing conditions
- Does not cover routine care, follow-up treatment, or gradual worsening
- Subject to strict rules based on age, severity, and sudden onset of symptoms
- Commonly available in travel insurance for seniors with pre-existing conditions
✔ A popular choice for visitor insurance for parents with pre-existing conditions - Atlas America (WorldTrips), Patriot America Plus(IMG), Patriot America Platinum and Venbrook Premier Insurance.
Best Pre-existing Medical Insurance
Insurance Coverage for older travelers with Pre-existing Conditions
Learn More »Best of the Best Coverage for Pre-existing Medical Conditions
Learn More »Visitor insurance with pre-existing coverage
Get quote for visitor medical insurance with pre-existing coverage.
Learn More »Best pre-existing coverage plans
Popular pre-existing conditions for visitors to the USA plans which have coverage for pre-existing conditions.
Learn More »Compare visitor pre-existing plans
Compare pre-existing conditions insurance plans for US visitors and buy the best plan.
Learn More »Travel Insurance for Pre-existing - FAQ's
1. Which travel insurance covers Asthma?
Travel insurance is coverage only for unexpected medical expenses while you are on a trip away from home. Some companies offer coverage for what they call "acute onset" of a pre-existing condition (excluding chronic or congenital disorders). This would be a life or life-style threatening situation that cannot wait to be taken care of when the trip is over.
It must be "acute" meaning that it came on suddenly and needs to be taken care of quickly (defined as within 24 hours of symptom onset). A "pre-existing condition" does not necessarily have to have been previously diagnosed. If it is reasonable to assume that this condition started in the patient before the start date of the insurance, then it will be considered pre-existing to the policy. Note that the exclusion for chronic (conditions that worsen over time) and congenital (conditions a person is born with) limit greatly the application of this exception.
If Asthma is not considered chronic, then an emergency due to Asthma could be covered by a policy which covers at least "acute onset" of pre-existing conditions. If a person requires regular medication and/or doctor visits for their asthma, this will NOT be covered and will have to be paid by the insured completely out of pocket.
Note that in the US, the same medications can differ widely in costs depending on the pharmacy you use and some medications (generally generics) for common illnesses can be purchased for $40 per month at the Walmart pharmacy (although there may be long wait times). Also, some drug companies have special "coupons" available online for some of their drugs. There are often "discount cards" available at pharmacies and other stores for prescriptions that are free to use.
These are all resources your visitor can use to avoid paying full price for costly required medications should they run out while they are in the US. Other countries may not require a prescription and may not be as costly to obtain. Having a prescription with you, however, may be a good idea to ease getting the medication and show authorities you are allowed to have it (in the case of regulated substances which can vary country to country).
2. Do I need to declare Arthritis on travel insurance? Do I have to declare Rheumatoid Arthritis on travel insurance?
No. When you purchase any of our travel insurance plans, they offer guaranteed coverage with no medical questions. However, be aware that they all exclude pre-existing medical conditions. So, please take any medications you use regularly or for flare ups of your conditions since these will not be covered by travel insurance. As far as I know, Arthritis cannot lead to a life-threatening situation, so will be excluded from coverage by short-term travel policies.
If you are a frequent traveler and want major medical coverage in any country to which you travel, you can opt for global medical policies which will (after the first year, generally) cover all aspects of health costs.
You can Compare and buy Global health insurance policies. To apply for these policies, you will have to reveal your entire medical history and you are not guaranteed coverage.
The application must go through underwriting and you can be approved, rejected, or approved with exclusions. In any case, you can opt out of the policy 10 days from your approval for no cost to you or simply reject the exclusions they require on the policy. Note that these policies are best for people who want health insurance for a whole year, or better, longer.
Once you are approved on the plan, you are guaranteed coverage year after year and the price is determined by your age group, not your individual medical history. So, in the case of a global medical insurance application, you would have to declare your Arthritis on the application and you may or may not be covered for that illness by the policy they offer you.
3. Can you get travel insurance if you have a pre-existing condition?
Absolutely, yes! Travel insurance is meant to cover you in the unlikely event of a sudden illness or accident while you are on your trip. Even if you have a pre-existing condition that complicates treatment, that is not relevant to the coverage for an unexpected illness or injury.
Naturally, your pre-existing conditions themselves are excluded from coverage, so you should pack as much medication as you will comfortably need for your trip.
4. Is OsteoArthritis a pre-existing condition?
Yes. Any medical condition you have been diagnosed with or are being treated for will be considered pre-existing to a new travel policy. If you take regular medication for your condition, this will not be covered by the policy. However, should you, for example, have an accident and break a bone, this would be covered even if your condition may have made you a little more vulnerable to the break (unless you were being particularly reckless).
Accidents are generally always covered (car accidents are more complicated because if you were not at fault, the driver's insurance may cover part of your injuries) unless caused by intoxication. So, even if you have OsteoArthritis or some other pre-existing condition, you are still eligible for coverage by a travel insurance policy which will protect you from sudden illness or accident/injury while you are on your trip.
5. Which travel insurance covers heart attack?
Travel insurance for heart conditions is available through several plans that provide coverage for heart attacks and other cardiac emergencies.
Full Pre-Existing Condition Coverage: Plans such as INF Elite X X, INF Premier X, Visitors Protect, and INF Elite X Plus X provide full coverage for pre-existing conditions, making them ideal for long-term travelers, older travelers, or parents visiting the U.S. These plans offer comprehensive protection, including medical treatment for heart conditions, hospitalization, and emergency medical evacuation, giving travelers and their families peace of mind while abroad.
Acute Onset Coverage: For travelers who may experience a sudden flare-up of an existing heart condition, plans such as Safe Travels Advantage, Safe Travels USA Comprehensive, Venbrook Essential, Venbrook Premier, Travel Medical Choice provide coverage specifically for the acute onset of pre-existing conditions. These plans cover unexpected cardiac emergencies within specified limits.
Note: Coverage, limits, and eligibility vary by plan, traveler’s age, and policy terms. Travelers should review each plan’s details carefully to ensure their needs are met.
6. Is heart attack considered an acute onset of a pre-existing condition?
Yes, a heart attack can be considered an acute onset of a pre-existing condition if it occurs suddenly and unexpectedly, even in someone with a known heart condition. Travel insurance plans that offer acute onset coverage and may cover such events include Safe Travels Advantage, Safe Travels USA Comprehensive, Venbrook Essential, Venbrook Premier, Travel Medical Choice. Coverage typically includes hospitalization, emergency treatment, and related medical expenses, subject to the plan’s terms, limits, and deductible.
7. Is Arthritis covered by insurance?
No. Travel health insurance is meant to cover a sudden illness or accident, such as you get a stomach flu or you twist or break your ankle. Since Arthritis is not a life-threatening illness, it will not be covered by a short-term travel plan. Should you require regular medications or ointments, you should bring them or purchase ointments available in the visiting country for your condition.
Some countries may not require prescriptions to purchase medications. However, you should be cautious in using a new medication since there may be side-effects of concern. You may want to stick to what you know or consult with your own physician if you can.
8. Do travel insurances cover pre-existing conditions?
Yes, INF is one company that offers travel insurance for pre-existing conditions. Some other US travel insurance providers offer travel insurance for acute onset of an pre-existing ailment. The INF Elite X and INF Premier X travel plans provides greater flexibility for coverage of pre-existing conditions.
9. Which policy covers pre-existing diseases?
The following travel insurance plans cover acute onset of pre-existing conditions:
- Atlas Travel plan from World trips
- Visitors Protect plan from IMG
- Patriot America Plus plan from IMG
- Travel Medical Choice plan from Seven Corners
- Travel Medical Basic plan from Seven Corners
- Safe Travels USA plan from Trawick International
- Safe Travels USA Comprehensive plan from Trawick International
- Safe Travels Elite plan from Trawick International
- INF Premier plan from INF
- INF Elite X plan from INF
- INF Elite X Plus plan from INF
- INF Elite X 90 plan from INF
- VisitorSecure Insurance plan from World trips
10. What counts as a pre-existing condition for travel insurance?
A pre-existing condition is an existing condition/illness that exists at the time of application of the travel insurance, whether or not it has been treated and diagnosed or disclosed to the company, and any of or all of the subsequent complications or consequences related to or resulting from the ailment.
11. Which medical condition affect travel insurance?
Mental and Nervous disorders, maternity and newborn care, preventive care, chronic illness which cannot be cured, for instance, Alzheimer's, Parkinson's disease, pre-existing conditions except for sudden recurrence of the pre-existing conditions are some of the medical conditions that the travel insurance completely excludes from coverage.
12. Is there a waiting period for pre-existing conditions?
Travel Insurance plans do not specify anything about the waiting period, but some plans have a look back period for coverage for pre-existing conditions. Most travel insurance plans only cover the acute onset of pre-existing conditions with INF being the exception which offers coverage for Pre-existing conditions up to the defined limit with their INF Premier X and INF Elite X travel insurance plans.
US Student medical insurance plans which are useful for international students coming to the US for higher studies however do provide a waiting period of 6 months to one year which varies from one plan to another.
13. Can I exclude a medical condition from travel insurance?
Travel Insurance plans provide coverage for unexpected sickness and injury. They provide benefits to cover emergency medical evacuation and repatriation. Apart from this, they provide coverage for the acute onset of pre-existing conditions. If there is a medical condition that you do not need any coverage for, then yes, you can still purchase travel insurance for unexpected medical accidents which might result in a highly expensive claim expense.
14. What happens if you don't disclose pre-existing condition travel insurance?
US short term travel insurance plans are bought online by filling out the travel insurance application form provided by the insurance company. In the insurance company application form, there are no specific questions about the pre-existing condition the customer might have.
However, on American Visitor Insurance on the form to travel insurance quotes, we ask the customer to fill in the requirement details including if coverage for pre-existing conditions is needed. This helps us display the plans with the best coverage for pre-existing conditions or for acute onset of pre-existing conditions. The available travel insurance plans can also be filtered depending on the pre-existing condition coverage requirement.
This way it is easier for the customer to view the plans that provide good pre-existing condition coverage. In conclusion, the customer does not have a way to disclose what pre-existing condition they have in the application form. Again only INF insurance offers coverage for pre-existing conditions while other providers only offer acute onset of pre-existing condition coverage, and they will not be covered for the pre-existing condition unless the incident is reported by the doctor as a acute onset of a pre-existing condition.
15. What is the pre-existing medical conditions coverage under visitors travel insurance?
The following is the visitors insurance pre-existing conditions coverage buy different US travel insurance providers:
INF Plans. These plans offer full Pre-existing conditions up to the pre-existing conditions coverage limit in the policy:
- INF Elite X Insurance comprehensive plans offers full pre-existing conditions up to 99 years. There is a minimum purchase of 90 days required on this plan.
- INF Premier X Insurance is fixed or scheduled benefit plan which offers full pre-existing conditions up to 99 years. There is a minimum purchase of 90 days is required on this plan.
- INF Premier Plus Insurance is fixed or scheduled benefit plan which offers full pre-existing conditions up to 65 years. There is a minimum purchase of 90 days is required on this plan.
International Medical Group - IMG offers both full Pre-existing and Acute onset of Pre-existing condition coverage :
- Patriot America plus insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years.
- Visitors Protect is a comprehensive visitor medical insurance offers Pre-existing conditions up to age 99 years. A minimum purchase of 90 days is required on this plan.
WorldTrips offers acute onset of Pre-existing conditions:
- Atlas America Insurance is a comprehensive visitor insurance that offers acute on set of pre-existing conditions aged up to age 79 years. (Excludes chronic condition or congenital condition)
- Visitor Secure is a fixed benefit plan that offers acute on set of pre-existing conditions aged up to age 79 years. (Excludes chronic condition or congenital condition)
Trawick International offers Acute onset of Pre-existing conditions and sudden, unexpected recurrence of a Pre-existing Conditions:
- Safe Travels USA travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.
- Safe Travels USA Comprehensive plan covers acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
Seven Corners offers acute onset of Pre-existing conditions:
- Travel Medical Insurance comprehensive plans offers Acute on set of pre-existing conditions up to 79 years.
- Travel Medical USA Visitor plans fixed plans offers Acute on set of pre-existing conditions up to 79 years.
16. What is the Look back period for pre-existing conditions in travel insurance?
The Lookback period is the period before the travel insurance policy's effective date during which the pre-existing medical condition must be stable. The look back period varies depending on the policy.
17. Can I receive treatment or take medication for my pre-existing medical condition during the Look back period and still be eligible for coverage?
No, typically, you must not receive any treatment or medication for the pre-existing condition during the Lookback period to be eligible for coverage under the policy.
18. Is there an age limit to purchase visitors travel insurance for acute onset of pre-existing conditions?
Yes, there is typically an age limit for purchasing visitors travel insurance for acute onset of pre-existing conditions. The age limit varies depending on the policy.
- INF plans offers Full Pre-existing conditions up to 99 years.
- Seven Corners and WorldTrips offers Acute on set of Pre-existing up to 79 years.
- Trawick-International plans offers Acute on set and sudden and unexpected pre-existing conditions up to 89 years.
- IMG Visitor Protect offers Pre-existing conditions up to 99 years and Patriot America Plus offers Acute on set of Pre-existing up to 70 years.
19. What is the advantage of having the United Healthcare PPO in visitors insurance offered by INF ?
The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).
For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.
20. Why is travel insurance to USA so expensive?
USA Travel insurance cost depends on the following factors indicating why it is very expensive.
- US health care costs is significantly higher compared to most other nearby countries like Canada or Mexico, or even to other developed countries in Europe like the UK and France. The cost of healthcare services, hospital stays, and medication is exorbitant in the US. Given this, the US travel insurance companies adjust their premiums to reflect the higher healthcare costs in the USA.
- Some plans provide travel insurance for pre-existing conditions. This additional option which is very useful for older travelers and those with existing medical ailments significantly increase the overall cost of travel insurance.
- The United States also has a litigious culture, and the risk of healthcare related lawsuits is higher. US travel insurance providers need to account for potential legal expenses and settlements, leading to higher premiums in the travel insurance plans.
- The overall high standard of living in the US contributes to increased costs for various services, including healthcare. Insurance providers factor in the higher living expenses when determining premiums.
- The US has been facing higher inflation in the past few years. This has resulted in higher healthcare costs, and hence higher travel insurance premiums.
- US Travel insurance is a mature market, offering a range of travel health insurance options. The comprehensive travel insurance plans often includes coverage for emergency medical evacuations where extensive medical facilities may be required hence contributing to higher premiums. Comprehensive visitors insurance offer high coverage limits for medical expenses and other benefits such as for acute onset of pre-existing ailments, and all this contribute to higher premiums.
Despite travel insurance for the US being expensive, it is extremely risky to be uninsured in the United States. US insurance companies work with preferred provider (PPO) networks that are linked to the hospital and healthcare facilities. Patients who have health insurance and go to a PPO provider get billed significantly lower than those patients who do not have any insurance coverage. Simply having health insurance reduces hospital bills, along with this price reduction is the actual healthcare expenses which are paid for by the medical insurance plans.
21. Is cancer a pre-existing condition for health insurance?
Yes, cancer is considered as existing condition for health insurance. For example if a person has been diagnosed with cancer, received treatment, or is currently under medication or follow-up treatment before the start date of the travel insurance policy, it will be considered as a pre-existing medical condition Most travel insurance plans do not cover pre-existing conditions, including cancer, unless the plan specifically includes coverage for it or offers benefits for the acute onset of pre-existing conditions. It is important for travelers with cancer to carefully review insurance plan and choose a travel health insurance for cancer patients to ensure their health needs are covered while abroad.
Visitor Insurance With Pre-Existing Conditions Reviews
Reviews, Ratings and Experiences from our customers
Anirudh
"After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance."
Yogesh
"We really thank American insurance team for providing great assistance in taking the insurance. We were successfully."
Meenakshi
"Thank you American Visitor Insurance customer service for meticulously following through. I truly appreciate it."
