Coverage for persons with pre-existing conditions

Compare and buy pre-existing health insurance

Traveler's age
No. of dependent under 18
5. Citizenship
  
6. Countries where coverage is required
USA only ALL nations including USA ALL nations excluding USA
6. Mailing & permanent address
Same
7. How long has the traveler been in USA?
Coverage preference

Covid-19 travel insurance for international travelers

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.

Senior citizen visitors with pre existing condition

Diabetes and Pre Existing Visitor Medical Insurance
Travelers who already have existing medical ailments need to be aware of the limitations of travel medical insurance coverage, and seek to buy plans that specifically offer some coverage for pre-existing conditions. The US is known for it's expensive healthcare system for visitors. 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. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000 in 2018. There are visitor insurance plans from INF cover these pre-existing medical ailments. Insurance customers who are looking for these plans should understand the coverage by referring to the details given below.

How does the insurer determine pre-existing condition?

The most important question asked by customers and the interpretation of pre-existing conditions can vary slightly from insurer to insurer. The generic answer for this question is that, pre-existing condition is a medical condition which the customer already has before purchasing the travel insurance plan. This condition may be diagnosed or may be even unknown to the traveler.

Which are the best plans for pre-existing conditions?

There are many insurers with different plans who offer pre-existing condition coverage. Here are some of the plans that can suit Non US citizens looking for pre existing condition visitor insurance coverage in USA. Liaison Travel Basic Insurance, Atlas America Insurance and Patriot Platinum plans are comprehensive plans that provide coverage for acute onset of pre-existing condition. The other scheduled benefit plans with pre-existing coverage are Inbound USA, Inbound Guest, Inbound Immigrant and Visitors Care insurance plans.

Senior citizens above 65 with pre-existing condition:

Those who are above 65 years and looking for visitor travel insurance plans with pre-existing coverage can evaluate the coverage details of plans below.
Fixed Benefits Plans: Visitors Care, Inbound USA Basic, Inbound USA Choice, Inbound USA Elite, INF Premier and Safe travels visitors to USA
Comprehensive Plans: Atlas America, Patriot America Plus, Patriot Platinum, Liaison Travel Plus, Liaison Travel Basic, Liaison Choice, Liaison Travel Elite, INF Elite, Safe Travels USA and Safe travels USA comprehensive
coronavirus travel insurance

Parents visitor health insurance for visiting USA

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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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