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Visitors insurance for diabetes, Travel insurance for diabetics as a pre-exiting condition

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While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. At America visitor insurance travelers can get visitors insurance for Covid -19 illness. We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage. Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Visitor diabetes insurance

Visitor Health Insurance for travellers with Diabetes as a pre-existing condition
Diabetes commonly referred by doctors with the medical terminology Diabetes Mellitus is a disease where the person has high blood sugar level either due to body’s inability to produce adequate insulin or the body cells do not respond to insulin properly. Initial symptoms include frequent urination, increase in thirst and hunger.

In 2013 it was estimated that around 382 million people in the world had diabetes.

There are 3 types of Diabetes:
  • Type 1 Diabetes: This type of Diabetes affects approximately 10% of the population. In this type, body does not produce insulin. People with Type 1 diabetes have to take insulin injections for the rest of their life.
  • Type 2 Diabetes: In this type body does not produce enough insulin. This type affects 90% of the population.
  • Gestational Diabetes: This affects the females during their pregnancy.
Patients with Diabetes have high risk of heart diseases and hence they need to ensure the blood pressure and cholesterol levels are monitored and maintained. Diabetes is primarily self- managed disease. This include usage of supplies like a test strips, meters and insulin.

Travelers from different parts of the world who are traveling to popular destinations in United States should be aware of this fact given the costly health care system in the US. The cost of routine physician visit is very expensive in the US. The common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $25,000. People with diabetes are often concerned about coverage for diabetes as it is treated as a pre- existing condition. In the US, it was earlier virtually impossible to get health insurance for diabetes but after the Affordable Care Act was passed in 2010, the availability for health insurance has been made easier and affordable for individuals with existing ailments. However the Affordable care act is only applicable to domestic health insurance covering US citizens and US residents, it does not impact travellers who are visiting the US. It is therefore all the more important to know the coverage offered by Visitor insurance for travellers with Diabetes visiting the USA.

Travelers should be aware that visitor insurance plans will not provide any coverage for preventive care, or for regular treatment for an existing ailment. For example in the care of a diabetes patient, visitor insurance will not pay for insulin that a traveller is already using before he or she started this travel.

Here are few of the comprehensive visitor insurance plans along with details of their coverage for a pre-existing condition such as diabetes:
  • Atlas America: If you are younger than 70, you may be covered for an acute onset of a pre-existing condition. Atlas Travel provides a limited benefit up to the medical coverage maximum lifetime for eligible medical expenses. This also includes a $25,000 lifetime maximum for emergency medical evacuation. An acute onset of a preexisting condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
  • Patriot America Plus: This plan covers the acute onset of pre-existing conditions up to age 70 for Non US citizens. The benefit for this is URC which is Usual, Reasonable and Customary charges for that geographical area. For pre-existing condition emergency medical evacuation, this plan covers up to $25,000 medical maximum.
  • Liaison Travel Basic: Liaison Travel Insurance offers coverage for acute onset of pre-existing conditions
    • Liaison Travel Basic offers
      Ages 14 days to 64 years:$5,000,Ages 65 to 79 years: $2,500, 80 years and older:Not Available offers Worldwide Including the United States.
      Ages 14 days to 64 years:$25,000,Ages 65 to 79 years: $5,000, 80 years and older:Not Available offers Worldwide Excluding the United States.
  • Premier Plan: This is a Fixed benefit plan providing policy maximum options of $150,000 and $100,000 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 “acute onset” coverage plans.
  • Elite Plan: 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. This plan has policy maximum options of $150,000 for people in the age range of 0-69 and $75,000 for people in the age range of 70-99. This is a full pre-existing coverage plan and covers doctor appointments, blood tests, special care, urgent care and any other treatment needed for a condition that was stable before travel, but started becoming an issue during the visitor’s trip.

Best travel insurance for pre-existing conditions, Diabetics travel insurance plans
Best travel insurance diabetes with pre-existing condition coverage - Comprehensive plans

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Patriot America Plus Insurance

  • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
  • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
  • Available for US citizens visiting USA
Buy Patriot America Plus online
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Atlas America Insurance

  • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
  • Atlas America Covid insurance offers coverage for coronavirus illness.
Buy Atlas America online
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Safe Travel USA Comprehensive

  • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
  • Covers Acute Onset of a Pre-Existing Condition: For age up to 69 years the limit is up to the Medical Policy Maximum purchased per Period of Coverage. For any coverage related to cardiac disease or conditions, coverage will be limited to $25,000 up to age 69 years and $15,000 for ages 70 and above. For above 70 years Acute Onset benefits will be reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Provides coverage for an Acute Onset of a Pre-Existing Condition. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
  • It offers coverage for visitors up to 89 years.
Buy Safe Travel USA Comprehensive
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Safe Travel USA

  • Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
  • Safe travel USA Covid insurance offers coverage for coronavirus.
  • It offers coverage for visitors up to 89 years.
Buy Safe Travel USA
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Safe Travel USA Cost Saver

  • Covers unexpected recurrence of a pre-existing medical conditions up to $1000
  • Safe travel USA Cost Saver Covid insurance offers coverage for coronavirus.
  • Eligible for foreign residents visiting USA and worldwide
  • It offers coverage for visitors up to 89 years.
Buy Safe Travel USA Cost Saver
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Liaison Travel Plus Insurance

  • Liaison Travel Plus Covid insurance offers coverage for coronavirus sickness
  • Covers expenses for treatment of acute onset of pre-existing conditions (up to 75 years)
Buy Liaison Travel Plus online
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Liaison Travel Elite Insurance

  • This plan provides a policy maximum of as high as $5,000,000 and for people above 80 years, plan provides a policy maximum of $20,000
  • Acute onset of pre-existing condition coverage is available for up to $50,000 for people below 70 years and $10,000 for people above 70 years.
Buy Liaison Travel Elite online
seven corners

Liaison Travel Choice Insurance

  • The policy maximum is available up to $5,000,000 for people up to 79 years and reduces to $15,000 for people above 80 years.
  • Acute onset of pre-existing conditions are covered up to $30,000 up to the age of 69 years and a coverage of $5,000 is available for people above the age of 70 years.
Buy Liaison Travel Choice online
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Liaison Travel Basic Insurance

  • The 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 $15,000
  • Acute onset of pre-exisitng condition is available for up to $15,000 for the age group up to 69 years. For people above thi sup to 80 years, it is covered for $2,500.
Buy Liaison Travel Basic online
Best US visitor pre-existing condition insurance - Fixed benefit plans
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Visitors Care Insurance

  • Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
  • Plan can be renewed up to 2 year.
Buy Visitors Care online
Travel Insure

Visit USA Insurance

  • Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
  • Visit USA offers 3 plans to satify your requirements and budget.
Buy Visit USA online
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Visitor Secure Insurance

  • It offers coverage for acute onset of pre-existing conditions up to 70 years.
  • Plan can be renewed up to 364 days.
Buy Visitor Secure online

Best health insurance for visitors to USA with pre-existing conditions

Please explain the difference between full coverage for pre-existing conditions and coverage for acute onset of pre-existing conditions by US visitor insurance.
Most of the US visitors insurance plans provide coverage for "Acute Onset of Pre-Existing Conditions". This basically provides coverage in the event of an existing medical ailment becoming life threatening and needing emergency medical care. This coverage will usually have exclusions for coverage of gradual or slow worsening of the existing ailment.
INF is one of the few companies which offers USA travel insurance plans for visitors to the US with full coverage for pre-existing ailments. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. The INF plans treat the pre-existing conditions like any new sicknesses. Prescription Medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions'. Some of the common pre-existing condition exclusions are:
  • A limit on the coverage for certain adverse medical events like a myocardial infraction, heart attack or other Cardiac events.
  • A limit on the number of occurrences within the insured period.
  • Explicit exclusions for certain ailments like Urinary Tract infections, Kidney infections or Bladder infections.
This also explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment.

Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?
The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions'

Does INF travel insurance really offer coverage for all preexisting conditions?
In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier & INF Elite Network best travel insurance for pre existing conditions..
Note: **Both the Premier plan and Elite plan have a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

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Find out more about Pre-existing condition visitors insurance

Frequently asked questions?

What is a pre-existing condition for travel health insurance?
Simply put, a pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Click here to read more.
No , there are no medical tests required for purchasing visitor travel insurance to usa with pre existing conditions.
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for acute onset of pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
Many people, although healthy and able to travel, particularly older travelers take medications for certain medical conditions. While these conditions can be called "normal" for a person of their age, not all people have these conditions and they will be classified as "pre-existing" by an insurance company. If you do NOT have coverage for it, then the policy will pay $0 for any incident of it, emergency or not. The coverage you can get is limited to "acute onset" of a pre-existing condition which can cover an unexpected life-threatening emergency of the condition which would then give you as complete coverage as you could get for your travels or visitor. This is why we offer some options with this coverage for nearly all ages of travelers. For more information, go here.

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