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.
Atlas premium 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.
INF 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. The coverage for pre existing condition can range anywhere between $20,000/$30,000/$40,000/$60,000 for age range of 0-69 depending n the policy maximum selected and the pre existing deductible selected. The pre existing deductible options are $1000 and $5000. For the age range of 70-99, the coverage could be $25,000/15,000 depending on the chosen pre existing deductible.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
INF 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. The pre-existing coverage maximum is available for $25,000 for 0-69 age range and $20,000 for age range of 70-99 with a pre existing deductible of $1500. This plan needs to be purchased for 3 months minimum.The Elite Network plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
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.
