Best US Travel Insurance for acute onset of pre-existing conditions

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What is the best travel insurance pre existing conditions for over 70 years?

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Most Travel health insurance plans offer maximum coverage for acute onset of pre existing condition up to the age of 70. Both the fixed and comprehensive plans offer coverage for people under 70. (please see here to know the difference between fixed and comprehensive travel insurance plans).

Extended comprehensive travel insurance coverage for acute onset of pre-existing condition coverage for travelers above 70 years.

Atlas Travel plan is one of the excellent comprehensive plan that offers worldwide coverage and offers a very good coverage for people above 70 up to age of 80 for acute onset of pre existing conditions. A policy maximum of $150,000 is available for people of this age group which is great.

Atlas Premium America is another version of this plan which is a bit more expensive but worthy enough to buy for acute onset of pre existing coverage.

Safe Travels USA Comprehensive is another comprehensive plan that offers cover for above 70 up to the age of 89. A policy maximum of $50,000 is available with this plan for people above age 65.

Patriot America Plus Insurance offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA.

Visitors Protect from IMG Insurance offers comprehensive medical insurance forinternational visitors traveling from their home country to the U.S., Canada, and Mexico.Covers pre existing conditions for ages 70 and above it covers up to $20,000 with deductible $1,500.

INF plans that offer coverage for pre-existing conditions.
  1. Elite plan offered by INF also has a $75,000 maximum but only covers pre-existing conditions up to $20,000.The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
  2. Premier Plan offered by INF also has policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
  3. Elite Plus plan covers Preventive & maintenance care and coverage for full body physicals. 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 of $75,000 maximum but only covers pre-existing conditions up to $20,000 for the age range of 70-99.Coverage for TDAP, Flu, etc Vaccines.Covers 90% of eligible medical expenses,There is a minimum purchase of 90 days required to buy this plan.
  4. Elite 90 plan covers 90% of eligible medical expenses. This plan has of $75,000 maximum but only covers pre-existing conditions up to $20,000 for the age range of 70-99.There is a minimum purchase of 90 days required to buy this plan.

More Best travel insurance for acute onset of pre existing conditions are available here for all age groups. The other plans cover acute onset of pre existing condition above the age of 70 but the benefit is available only for an amount of $2,500. Again these are comprehensive plans. Only few fixed plans offer coverage for acute onset of pre existing conditions above the age of 70.

Visitors Care plan from IMG. This plan provides an amount of $2500 for heart attack and stroke for people above the age of 70.
Safe Travels Elite from Trawick International. Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.

ACA does not allow the insurance companies to deny the coverage for pre existing condition. But it is important to know that this is applicable only to the domestic health care of the US which is eligible only for US permanent residents and US citizens.

On the other hand, the Best travel insurance for acute onset of pre existing conditions discussed above do not comply with the ACA and there is no need for that, as they cover NON US citizens coming to the US and US citizens traveling outside of the US.

How much does the cheapest pre existing travel insurance cost per month?

The cheapest pre-existing conditions travel insurance cost for seniors over 70 years ranges from $60 to $173 per month. The cost depends on the age of the visitor, medical maximum coverage and deductible, visitors coverage type

Plan Name Medical Maximum Deductible Pre-existing condition coverage details Cost
Safe Travels Advantage $25,000 $0 Acute on set of pre-existing conditions up to 89 years $60
Visit USA Budget $5,000 $250 Acute onset of a pre-existing condition up to $2,500 for 65+ $84
Safe Travels Elite $25,000 $0 Acute on set of pre-existing conditions up to 89 years $109
Travel Medical USA visitor Basic $50,000 $100 Acute on set of pre-existing conditions up to 79 years $173

The average cost of pre-existing travel insurance cost is based on a 70 years old traveler for the duration of one month.

How much does comprehensive pre existing travel insurance cost per month?

The comprehensive and hence the best pre-existing conditions travel medical insurance cost ranges from $210 to $444 per month. The cost depends on the age of the visitor, medical maximum coverage and deductible, visitors coverage type

Plan Name Medical Maximum Deductible Pre-existing condition coverage details Cost
Visit USA Standard $75,000 $250 Acute onset of a pre-existing condition up to $2,500 for 65+ $210
Travel Medical Basic $50,000 $250 Acute onset of a pre-existing condition up to 79 years $252
Atlas America $50,000 $250 Acute onset of a pre-existing condition up to 79 years $355
Visit USA Superior $1,000,000 $250 Acute onset of a pre-existing condition up to $2,500 for 65+ $417
Atlas Premium America $50,000 $250 Acute onset of a pre-existing condition up to 79 years $444

The average cost of the best pre-existing conditions travel insurance cost is based on a 70 years old traveler for the duration of one month.

What are the best pre-existing travel insurance for senior citizens over 70 years?

The best pre-existing conditions travel insurance for seniors ranges from $1230 to $3567 per 3 months. The cost depends on the age of the visitor, medical maximum coverage and deductible, visitors coverage type.

These plans have a minimum enrolment of 90 days.

Plan Name Medical Maximum Deductible Pre-existing conditions coverage details Cost
INF Premier $100,000 $250 Pre-existing conditions covered up to 99 years $1230
Visitors Protect $50,000 $500 Pre-existing conditions covered up to 99 years $2295
INF Elite $75,000 $250 Pre-existing conditions covered up to 99 years $2962
INF Elite 90 $75,000 $250 Pre-existing conditions covered up to 99 years $3431
INF Elite Plus $75,000 $250 Pre-existing conditions covered up to 99 years $3567

The average cost of best pre-existing conditions travel insurance cost is based on a 70 years old traveler for the duration of three months.

What is the difference between travel insurance for acute onset of pre-existing conditions and travel insurance for pre-existing conditions?

As we try to understand about acute onset of pre existing condition,it is crucial to know how the insurance industry works with this feature. Let us first see what pre existing condition and acute onset of pre existing condition is:
Acute onset of pre existing condition Pre existing condition

This is a sudden recurrence of a pre existing condition( please read the definition of pre existing condition above) without any forewarning, which needs immediate medical attention.

However, it is in the hands of the doctor/provider to decide whether the incident can be considered as an acute onset of pre existing condition.

Pre pre-existing condition is a health condition or a health issue that has been existing in the individual, before the individual has purchased or enrolled in a health insurance plan.

This means it has existed at the time of application for the insurance plan or immediately for a certain period of time preceding the application of the individual for a travel health insurance plan.

Pre-existing condition coverage is definitely an important feature that is part of any travel health insurance plan. Travel health Insurance plans normally exclude coverage for pre-existing conditions.

Examples of Sudden recurrence of the medical condition
  1. A person with blood pressure has not been taking recommended dosage of medication regularly, or has messed up with the routine, and has been experiencing discomfort for sometime already before the situation manifests into a sudden recurrence.
  2. A person who has had a heart attack takes part in some kind of adventure sports which is not advised and has developed sudden recurrence.
  3. If the person has had no health complaints all along and has been experiencing some pain in back may not be covered as acute onset of pre existing condition.
  4. Any kind of preventive care or routine check up for the pre existing condition also does not come under coverage for acute onset of pre existing condition.

Most of the commonly diagnosed pre existing conditions are heart related, blood pressure, diabetes, thyroid, arthritis, kidney related... People above the age of 70 are very sure to have some of the health problems listed above in today's world.

It is very rare to know a person above 70 not having any health issues and doing fine with their health

Can I buy travel insurance for acute onset of pre-existing conditions?

What are the types of US Visitors travel insurance?

Fixed Benefit travel insurance

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan. This is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

How can I buy US pre-existing condition travel health insurance online

 1: Finding US travel insurance plans

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

 2: Compare the different travel insurance options

Compare the price and the benefits of the different pre-existing condition health insurance for USA options to identify what fits your needs best.

 3: Buy the travel insurance that you like best

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

 4: Review the visitors insurance coverage for pre-existing condition plan documents received by email

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Trip insurance

Find out more about Pre-existing condition visitors insurance

1. 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 ».

2. Are there any medical tests required to buy pre existing visitor insurance?

No , there are no medical tests required for purchasing visitor travel insurance to usa with pre existing conditions.

3. Which are the USA travel health insurance that cover 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.

4. Why should I get visitor medical insurance with coverage for pre-existing medical conditions?

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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Pre-existing conditions visitors insurance

What are some tips for travelers with pre-existing conditions?

Here are some travel insurance tips for travelers with pre-existing conditions

  1. Choose a travel medical insurance with pre-existing conditions coverage.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of look back period for coverage of pre-existing conditions.
  4. Consider buying an US travel health insurance plan with higher medical coverage.
  5. Keep a copy of your medical records and list of medications when you travel.
  6. Take your Doctor's prescription and medications during your trip.
  7. Learn how to access healthcare at your destination.
  8. Contact your US traveler insurance provider immediately in case of a medical emergency.
  9. Disclose all pre-existing conditions when purchasing visitor health insurance.
  10. Follow all procedures while submiting a claim.

What is visitors insurance for pre-existing conditions?

There are many health insurance for us visitors options for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for an acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. This typically includes emergency medical treatment, hospitalization and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.

How does travel insurance for pre-existing conditions work?

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 conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is health insurance for travel to USA with pre-existing conditions coverage important?

Traveling anywhere outside worldwide is supposed to be an eye opening, special and a relaxed trip experience. Traveling with a health condition brings in more challenges in order to get covered for the unexpected medical expense in case of odd surprises during the trip. This calls out for an insurance plan that covers the pre-existing conditions that will relieve the unnecessary stress of taking extra care of yourself during your most memorable travel experience.

The plans also will be expensive considering the risks involved to cover pre-existing conditions. Many of the travel insurance plans exclude pre-existing conditions. At American Visitor Insurance we offer plans that cover acute onset of pre-existing conditions as well as some cover full pre-existing conditions.

Pre-existing conditions coverage - FAQ's

1. How do I know if my pre-existing condition is covered by travel insurance?

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. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

2. What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

3. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

4. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

5. What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

6. Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans.

7. Why are Full Pre-Existing plans more expensive than other visitor medical insurance usa plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

8. What services are covered under best travel insurance for usa visitors with full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here :

  1. The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
  2. Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
  3. Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
    The plan provides acute onset of non-chronic pre-existing conditions coverage..
  4. Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
  5. Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
  6. Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

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