Safe travels USA comprehensive
is a great comprehensive plan which offers coverage for sudden and acute onset of pre-existing conditions. Patients aged up to 69 years are covered up to the maximum policy per policy period for any coverage except cardiac conditions which are covered only up to $25,000. For persons 70 and over, the maximum coverage which can be purchased is only $50,000 with coverage for pre-existing conditions up to $25,000 with only $15,000 for cardiac conditions. 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. 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.
is the latest version of the comprehensive plan provided by the Tokio marine HCC
. 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. 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
A much more economical option comes in the Inbound USA Basic
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 Inbound USA
. You can look at a Inbound USA Basic brochure
for more details.
One of the best options for coverage of pre-existing conditions for US citizens can be found in the Liaison Series plans, specifically the Liaison Elite
option which, for people under 65 years with a primary health plan, will cover them up to the medical maximum for a pre-existing condition. Without a primary health plan, there is up to $50,000 limit to coverage which is the same as the Liaison Choice
plan for travel outside the US. US residents get only $25,000 in this coverage in the Liaison Basic
plan. Non-US residents traveling to the US can get $15,000 coverage in the economy plan, $30,000 from the Choice plan and $50,000 in the Elite plan if they are under 70 years old. If they are over 70, the amounts are $2,500 for economy plan, $5,000 Choice plan and $10,000 Elite plan respectively for each plan.
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. Buy or get a free quote for Visitors Care
. View the Visitors Care brochure
for detail information.
You can look at all plans which offer some coverage for pre-existing conditions. See below for a summary table of the coverage options I have outlined above.