Best health insurance for visitors to USA with pre-existing conditions, US Travel Insurance for acute onset of pre-existing conditions

US travel insurance for acute onset of pre-existing ailments

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.

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.

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.

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.

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.

Pre existing condition	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.	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.
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	Examples of Sudden recurrence of the medical condition 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. 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. 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. 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.

Pre existing condition

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.

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.

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

Examples of Sudden recurrence of the medical condition

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.
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.
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.
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.

INF Travel Insurance - Pre-existing Questions

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:

The maximum medical coverage available for the age of the traveler
The cost of insurance and deductible and co-insurance expenses
The Preferred provider organisation (PPO) network of the insurance provider and user reviews
The coverage for pre-existing conditions and any exclusions and limitations of the policy
The customer assistance and emergency helpline of the insurer

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:

Medical expenses due to illness or injury
Trip cancellation or interruption due to unforeseen reasons
Loss or delay of baggage or personal belongings
Passport or travel document theft or loss
Emergency evacuation or repatriation
Legal liability or personal accident
Travel assistance and support

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 age and health of the traveler (older the traveler, higher the cost)
The destination and duration of your trip (cost in US is most expensive)
The amount of medical maximum coverage chosen (higher the coverage, higher the cost)
The deductible and co-insurance of the insurance
Any add-on benefits (pre-existing conditions coverage etc.. cost more)

If the Asthma condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.

Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.

No.

If the Arthritis condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.

No.

Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.

If the Diabetes has been stable for 12 months (no change in Medication / sickness related to diabetes), it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.

Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.

No.

Yes- INF travel insurance for USA will cover a heart attack either as a new sickness or pre-existing condition, depending on how stable to insured’s condition was in the past 12 months.

Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.

Pre-existing conditions visitors insurance

Tips for travelers with pre-existing conditions

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

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

The definition of pre-existing conditions and the look back period under the policy.
The eligibility age limit for pre-existing conditions coverage.
Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
The coverage limit for pre-existing conditions which is different from the policy medical maximum.
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

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.

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.

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.

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.

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.

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.

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.

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

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

Compare and buy visitors insurance for pre-existing conditions travel insurance

US travel insurance for acute onset of pre-existing ailments

Acute onset of pre-existing conditions vs Pre existing conditions travel insurance

What does visitor travel insurance cover?

Testimonials - From Our Customers

Shelie

Charlotte

Lori Fields

Resourceful tourist insurance USA information

Find the best travel insurance

How does travel insurance work?

How to buy travel insurance?

Travel insurance glossary

Travel insurance for specific groups

Compare travel insurance plans

Travel insurance for acute onset of pre-existing conditions

INF Travel Insurance - Pre-existing Questions

Different types of US Visitors travel insurance

Fixed Benefit vs Comprehensive plans

Fixed Benefit travel insurance

Comprehensive travel insurance

Steps to buy

NEED HELP?Contact our customer service teamWe are here to help you!

call (877)-340-7910

Find out more about Pre-existing condition visitors insurance

Frequently asked questions?

More visitors insurance for pre existing conditions FAQ's

Visitors Insurance Covering Pre-existing Conditions - Article

Pre-Existing conditions insurance for visitors - Review

Pre-existing conditions visitors insurance

Tips for travelers with pre-existing conditions

What is visitors insurance for pre-existing conditions?

How does travel insurance for pre-existing conditions work?

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

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

Pre-existing conditions coverage - FAQ's

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

Resourceful travel medical insurance information

Travel medical insurance resources

Compare travel insurance factors

Types of travel insurance online

Travel insurance Claims Procedure

Ask me a Question?

US travel insurance for Pre-existing conditions

Related Pre-existing insurance pages

Disclaimer

NEED HELP?
Contact our customer service team
We are here to help you!