American Visitor Insurance provides comprehensive information on various US travel insurance plans that offer pre-existing conditions coverage. We have developed a user-friendly comparison platform where you can review and compare different policies and find the right coverage for your specific medical needs and travel plans.
Pre-existing conditions are any medical conditions that you have been diagnosed with, received treatment for, or taken medication for before your travel insurance policy goes into effect. These may include chronic illnesses, such as diabetes, heart disease, or asthma, or any other health condition that requires on going treatment.
We believe that pre-existing conditions should not prevent you from enjoying your travels. That is why we are committed to helping you find the best visitors insurance plan that provides coverage for your pre-existing conditions. Our goal is to ensure that you are protected and have peace of mind while exploring new destinations.
US travel insurance cost in 2025 for visitors with pre-existing conditions has increasingly reduced the disposal income with a major portion of the income going to health care deductibles, co-payments and co-insurance. The cost of a routine physician's visit is significantly higher in the U.S. where it might be $176. An echocardiogram can cost around $1,000 in Massachusetts and around $3000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $2,500 -$5000. 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.
While there's no simple explanation for the high costs, an important contributing factor is the significant administrative expenses in healthcare and given the litigious nature of US society, the cost of medical-malpractice legal expenses. Employing numerous billing clerks by both hospitals and physicians, as well as by private insurance companies is a requirement in the US insurance system. In addition to that, the system's reliance on advanced technology, costly labor and the steep price of malpractice insurance in the US also contributes to the overall expenses.
While there are several reasons for high healthcare costs, the fact remains that one cannot afford to be uninsured while visiting the US. In US hospitals the cost for any treatment is much lower if you have insurance and the hospital is part of the PPO network when compared to getting the same treatment without any insurance. This is beyond the actual insurance coverage itself, so simply having visitors insurance reduces the bill substantially. This high price without insurance is unimaginable for visitors to pay out of their pocket. It is important for visitors to realize the importance of health insurance while visiting the US.
The cheapest pre-existing conditions travel insurance cost starts from $39 to $229 per month, The cost depends on the age of the visitor, duration, medical maximum coverage and deductible.
The average cost of pre-existing conditions travel insurance in USA based on quotes for one month for 60 year old traveler.
| 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 89 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 Pre-existing conditions travel insurance cost for coverage outside USA starts from $55 to $233 per month, The cost depends on the age of the visitor, duration, medical maximum coverage and deductible.
The average cost of pre-existing conditions travel insurance outside USA based on quotes for one month for 60 year old traveler.
| 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®
Review US visitor insurance plan benefits.
Yes, there are many travel insurance options for seniors over 70 from the USA. Many US travel insurance providers offer policies specifically designed for older travelers, and some policies may have no age limit for coverage. However, it is important to note that the cost of travel medical insurance for seniors is higher than for younger travelers due to increased health risks and the likelihood of pre-existing conditions. Additionally, coverage and benefits may vary depending on the policy, and it is important to carefully review policy terms and conditions to ensure that you get the coverage you need.
Some US insurance providers that offer travel medical insurance for seniors over 70 from the USA include Trawick International, Seven Corners, IMG and WorldTrips. It's recommended to research and compare different policies on American Visitor Insurance based on costs, benefits and coverage for pre-existing conditions to find the best traveller insurance and value for your needs.
The most important insurance coverage for senior travelers is extent of medical coverage. Seniors are more likely to have pre-existing medical conditions and may be at higher risk for medical emergencies while traveling, making it essential to have adequate medical coverage in case of illness or injury. Travel medical coverage can include coverage for hospitalization, emergency medical treatment, and medical evacuation if needed.
In addition to travel medical coverage, senior travelers may also want to consider trip cancellation and interruption coverage, which can help protect against financial loss if they need to cancel or cut short their trip due to unforeseen circumstances such as illness or weather-related events. There is the option available for US travelers to buy travel insurance with cancel for any reason, which gives full flexibility to cancel a trip.
Among other important insurance coverage for senior travelers is the coverage for lost or stolen luggage, travel delays or missed connections, and accidental death or dismemberment. Older travelers should compare different US travel insurance policies to find the best coverage and value for their individual needs on American Visitor Insurance.
Yes, it is possible to find cheap travel insurance for seniors over 70. Many insurance providers offer specialized travel insurance plans that cater to the needs of older adults. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, seniors can find affordable travel insurance that suits their specific requirements. It is advisable to shop around and explore various options to find the most cost-effective travel insurance policy for seniors over 70.
Older travelers can easily compare different travel insurance over 70 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies. Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:
Visitor health insurance which insures mainly the health of the traveler against accident or sickness when he/she is traveling overseas is very important since healthcare is very expensive, especially in the USA. Visitor health insurance is important even if you have health insurance in your home country which you believe will work in the US. The main reason for this is that US insurance providers negotiate with the healthcare providers in the US to get a better pricing for medical services, something that is not available to international insurance providers. This makes US healthcare very expensive even with travel medical insurance coverage which do not have negotiated rates with US healthcare providers.
Visitor insurance which focuses on insuring the travel expenses along with the health of the traveler is very important to protect travelers from unforeseen risks and emergencies that may occur during their trip. Travel insurance can provide coverage for various situations such as:
Having the best visitor insurance is really important given its relative cost to that of the trip and the cost of healthcare overseas. Visitor insurance can help you save money, time, and hassle in case something goes wrong during your trip. It can also give you peace of mind and confidence to enjoy your travel experience. Therefore, travel insurance is strongly recommended for travelers to travel safely and securely.
It is easy to find the best visitor insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.
The cost of travel health insurance which focuses on the health of the traveler depends on factors such as:
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditions. Any travel health insurance coverage for pre-existing conditions will depend on all these.
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition.
Compare and buy best pre-existing plans
The best US visitors insurance with pre-existing conditions coverage is listed here :
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| Price range | $768 - $860 |
| Coverage range | $150,000 - $300,000 help |
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| Price range | $768 - $860 |
| Coverage range | $150,000 - $300,000 help |
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| Price range | $752 - $841 |
| Coverage range | $150,000 - $300,000 help |
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| Price range | $278 - $448 |
| Coverage range | $150,000 - $300,000 help |
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| Price range | $90 - $170 |
| Coverage range | $50,000 - $1,000,000 help |
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| Price range | $485 - $728 |
| Coverage range | $50,000 - $250,000 help |
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| Price range | $160 - $290 |
| Coverage range | $50,000 - $1,000,000 help |
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| Price range | $110 - $180 |
| Coverage range | $50,000 - $1,000,000 help |
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| Price range | $110 - $230 |
| Coverage range | $50,000 - $2,000,000 help |
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| Price range | $40 - $80 |
| Coverage range | $50,000 - $130,000 help |
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| Price range | $90 - $160 |
| Coverage range | $50,000 - $1,000,000 help |
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| Price range | $90 - $160 |
| Coverage range | $50,000 - $1,000,000 help |
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| Price range | $70 - $120 |
| Coverage range | $50,000 - $1,000,000 help |
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| Price range | $40 - $60 |
| Coverage range | $50,000 - $175,000 help |
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| Price range | $130 - $220 |
| Coverage range | $50,000 - $1,000,000 help |
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| Price range | $50 - $190 |
| Coverage range | $50,000 - $250,000 help |
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