Finding the right health insurance for older visitors to the USA can be challenging especially for those who have diabetes, heart issues, high blood pressure, or other ongoing medical conditions. At American Visitor Insurance, we help you compare plans specifically designed for seniors and older parents that include coverage for pre-existing conditions, so you can travel with confidence and peace of mind.
Whether you need protection for sudden emergencies or full coverage for ongoing medical needs, our selection of top-rated insurance plans offers flexible policy limits, clear definitions of acute onset versus full coverage, and age-appropriate options for travelers up to 99 years old. Use our easy guide and expert tools below to discover the best pre-existing condition coverage for your next US trip so you and your family are protected against unexpected healthcare costs in America’s expensive medical system.
As we grow older, finding the right travel insurance for elderly with pre existing conditions becomes more challenging especially for those managing health conditions such as diabetes, high blood pressure, heart disease, arthritis, or a history of surgery. Most regular travel insurance plans do not cover pre-existing medical conditions or may only provide limited coverage for the sudden, unexpected recurrence of such conditions (called acute onset). Fortunately, there are now specialized plans designed specifically for senior travelers that offer broader or even full protection for pre-existing conditions.
For seniors, a pre-existing condition refers to any health issue that you may have had prior to the period your travel insurance policy begins. Insurance companies will often evaluate whether you had any symptoms, treatment, medication, or medical advice for the medical issue in question 2-3 years before your date of purchase.
The most common pre-existing conditions for seniors include diabetes, high blood pressure, heart disease, arthritis, thyroid problems, asthma or prior surgery.
To assess if your condition qualifies, ask yourself:Choosing a plan from American Visitor Insurance that covers pre-existing conditions or provides acute-onset protection ensures that seniors can travel internationally with peace of mind.
Yes. It is very important for seniors to consider best insurance for pre existing medical conditions. As we age, it is common to have ongoing health conditions like diabetes, high blood pressure, heart conditions, arthritis, and/or thyroid-related issues.
Without coverage, any medical expenses associated with your pre-existing conditions while traveling can be extremely high. Especially, for example, the USA has notoriously expensive healthcare costs.
Plans that specifically cover pre-existing conditions or acute-onset coverage allow seniors access to emergency medical care or medical treatment without the added stress of worrying about costs. Choosing a trusted provider like American Visitor Insurance gives peace of mind and allows seniors to enjoy their trip safely.
There are two main types of coverage in travel insurance for seniors with pre existing conditions: full pre-existing condition coverage and acute-onset coverage. Knowing the difference helps you pick the best plan for your trip.
Some travel insurance plans, like INF Elite X, INF Premier X, and Visitors Protect, provide full coverage for pre-existing medical conditions. This includes chronic or recurring illnesses, without any restriction for sudden flare-ups (acute onset).
These plans are best for:If a senior traveler has diabetes, a plan with pre-existing condition coverage can help pay for medical expenses, ensuring care continues during the trip.
Plans such as Safe Travels USA Comprehensive, Venbrook Premier, Atlas America, Patriot America Plus, Safe Travels Advantage and IMG Visitor Care cover the acute onset of pre-existing conditions meaning a sudden, unexpected problem but not routine care.
This type of coverage works well for:If a senior traveler with diabetes suddenly develops a heart problem related to that condition while abroad, acute-onset coverage can help pay for emergency hospitalization and treatment.
YWhen selecting travel insurance, senior travelers should look for coverage that includes pre-existing health conditions, or coverage for acute-onset. Make sure to look for a maximum age limit to maintain eligibility.
It is also worthwhile to check if the plan covers emergency treatment, hospitalization, or evacuation, and if you apply for a plan with in-network hospitals; ease of care access and cost both will be lessened.
Finally select a plan from American Visitor Insurance, that specializes in travel insurance for seniors with pre-existing conditions. This way, you can travel safely and with peace of mind.
| Plan name | Acute onset age limit | Plan maximum limit | Deductible | Age 65 | Age 75 |
|---|---|---|---|---|---|
| Safe Travels Advantage | Up to 89 yearsopen_in_new | $25,000 - $150,000 | $0 | $38 - $98 | $59 - $160 |
| Visitors care | Up to 70 yearsopen_in_new | $25,000 - $100,000 | $100 | $38 - $73 | Not Available |
| Venbrook Essential | Up to 70 yearsopen_in_new | $25,000 - $100,000 | $0 | $47 - 120 | Not Available |
| Safe Travels Elite | Up to 89 yearsopen_in_new | $25,000 - $175,000 | $0 | $48 - 129 | $105 - $150 |
| VisitorSecure | Up to 70 yearsopen_in_new | $50,000 - $100,000 | $100 | $53 - $73 | Not Available |
Source: American Visitor Insurance®
| Plan name | Acute onset age limit | Plan maximum limit | Age 65 | Age 75 |
|---|---|---|---|---|
| Visitors Preferred | Up to 70 yearsopen_in_new | $50,000 - $100,000 | $164 - 210 | Not Available |
| Patriot America Plus | Up to 70 yearsopen_in_new | $50,000 - $1,000,000 | $167 - 358 | Not Available |
| Venbrook Premier | Up to 70 yearsopen_in_new | $50,000 - $250,000 | $205 - $340 | Not Available |
| Safe Travels USA Comprehensive | Up to 89 yearsopen_in_new | $50,000 - $100,000 | $191 - $245 | $285 - $455 |
| Atlas America | Up to 79 yearsopen_in_new | $50,000 - $100,000 | $200 - $250 | $344 - $429 |
| Travel Medical Choice | Up to 79 yearsopen_in_new | $50,000 - $1,000,000 | $329 - $613 | $736 - $1,000 |
| Visit USA superior | Up to 80 yearsopen_in_new | $100,000 | $336 | $404 |
| Patriot America platinum | Up to 70 yearsopen_in_new | $1,000,000 | $408 | Not Available |
Source: American Visitor Insurance®

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| Type | Definition | Examples |
|---|---|---|
| Acute Onset of a Pre-Existing Condition | A sudden and unexpected onset of a pre-existing condition that occurs after coverage starts and requires immediate medical attention. | Heart attack, sudden asthma attack, acute appendicitis |
| Chronic Pre-Existing Condition | A long-term or ongoing condition that existed prior to coverage and is generally managed over time | Diabetes, hypertension, chronic kidney disease |
Some visitor insurance plans cover acute onset of certain pre-existing conditions but do not cover chronic management.
Hi
Please can you get me the different options for a 87 year old senior traveling to USA for 1 month. He has had heart by-pass surgery in 2022. Please can you get me the different options including details of what pre-existing is covered.
Thank you
Gopal
Dear Gopal,
Here are details of available US travel insurance for pre-existing conditions. Most of the comprehensive plans provide only $10,000 or $20,000 as policy maximum for this age. There are fixed benefit plans which provide higher policy maximums of $50,000 or $100,000. We have put down a list of plans with the best possible options for your requirements.
Here are the suitable Pre-exiting conditions travel insurance:
INF Premier X: This is a Fixed benefit plan from INF Travel Insurance Services and provides a policy maximum coverage up to $1,000,000. This plan comes under the PPO network of United HealthCare and It provides full coverage for pre-existing conditions and offers flexible protection for 90 to 364 days while traveling in the U.S., Canada, and Mexico.
This plan starts at $275 per month for a 40-year-old, offering $100,000 in coverage with a $250 deductible.. This plan provides coverage for acute onset of pre-existing conditions.
Here is the plan details, brochure and BUY link of this plan where you can get quote and purchase the plan online:
INF Premier X insuranceINF Elite X: INF Elite X Travel Insurance is a comprehensive plan for non U.S. residents and non U.S. citizens who are traveling to the United States, Canada, or Mexico. The plan is available for ages 18 years to 99 years. The coverage duration is from 90 days to 364 days and can be extended for up to 364 days. The plan must be purchased before departing from the home country. The minimum requirement to buy INF Elite X plans is that you must have a valid visa or passport stamp when entering the US.
Here is the plan details, brochure and BUY link of this plan where you can get quote and purchase the plan online:
INF Elite X insuranceSafe Travels Advantage from Trawick International: This is a Fixed plan from Trawick International and provides a policy maximum of $100,000. This plan comes under First Health PPO network. The plan pays 80% of preferred allowance within the network and 80% of plan maximum for expenses incurred out of network. This plan covers acute onset of pre-existing conditions. This plan costs $690 for a policy maximum of $100,000 with a deductible of $0.
Here is the plan details, brochure and BUY link of this plan where you can get quote and purchase the plan online:
Safe Travels Advantage insurancePlease let us know in case of any questions
Regards,
Customer careCompare and buy the best coverage from the most reputable insurance companies for pre-existing conditions.
Click here to read more»For seniors over 65, travel insurance options depend on the type of coverage needed. Full pre-existing condition coverage is available with Visitors Protect, INF Elite X, and INF Premier X and is ideal for protecting ongoing or chronic health issues. Acute-onset coverage, which helps with sudden, unexpected medical problems, is offered by Safe Travels USA Comprehensive, Venbrook Premier, Atlas America and Patriot America Plus. Choose full coverage if you want protection for existing conditions, or acute-onset coverage if you only need help with emergencies during travel.
INF Elite X, INF Premier X, and Visitors Protect are the best travel insurance options for seniors with pre-existing medical conditions, offering comprehensive coverage and peace of mind while traveling.
INF Elite X, INF Premier X, and Visitors Protect are excellent choices for seniors looking for international travel medical insurance with full pre-existing condition coverage.
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.
Yes, many travel insurance plans are designed for travelers over 70 and provide coverage for pre-existing medical conditions.Plans like INF Elite X, INF Premier X, and Visitors Protect offer full coverage, while Safe Travels USA Comprehensive, Atlas America, and Travel Medical Choice provide acute-onset coverage.
Yes, plans like Visitors Protect, INF Elite X, and INF Premier X provide seniors with full coverage for ongoing chronic conditions. The minimum purchase is 90 days, and coverage is available for travelers up to 99 years old.
Yes, elderly travelers with prior surgeries can get travel insurance. Plans like Visitors Protect, INF Elite X, and INF Premier X provide full coverage for seniors with previous surgeries or ongoing medical conditions, ensuring protection while traveling abroad.
Yes, plans like INF Elite X, INF Premier X, and Visitors Protect offer travel medical insurance for seniors over 80 with coverage for pre-existing conditions. Coverage limits and benefits may vary, and these plans typically allow coverage up to age 99 with a minimum purchase of 90 days.
Prescription drugs are normally covered only when prescribed during a covered illness or emergency while in the US. Routine, chronic maintenance medication or fill-in prescriptions of pre-existing drugs from home is usually not covered.
Yes, Most of the visitor insurance plans offer acute onset of pre-existing up to the age of 69 to 70 years with limited coverage, some plans like Visitors protect, INF Premier X, INF Elite X insurance plans offers full pre-existing conditions up to the age of 99 years with higher premiums.
Travel insurance for heart conditions is available through several plans that provide coverage for heart attacks and other cardiac emergencies.
Full Pre-Existing Condition Coverage: Plans such as INF Elite X, INF Premier X, Visitors Protect, and INF Elite Plus X provide full coverage for pre-existing conditions, making them ideal for long-term travelers, older travelers, or parents visiting the U.S. These plans offer comprehensive protection, including medical treatment for heart conditions, hospitalization, and emergency medical evacuation, giving travelers and their families peace of mind while abroad.
Acute Onset Coverage: For travelers who may experience a sudden flare-up of an existing heart condition, plans such as Safe Travels Advantage, Safe Travels USA Comprehensive, Venbrook Essential, Venbrook Premier, Travel Medical Choice provide coverage specifically for the acute onset of pre-existing conditions. These plans cover unexpected cardiac emergencies within specified limits.
Note: Coverage, limits, and eligibility vary by plan, traveler’s age, and policy terms. Travelers should review each plan’s details carefully to ensure their needs are met.
For seniors aged 60 to 99, choosing the right travel insurance depends on your health needs:
Full Pre-Existing Condition Coverage: Plans like Visitors Protect, INF Elite X, and INF Premier X provide comprehensive protection for ongoing or chronic health conditions. These plans are ideal for all ages in this range, with a minimum purchase of 90 days and coverage available up to age 99.
Acute-Onset Coverage (Optional): Plans like Safe Travels USA Comprehensive, Atlas America, Venbrook Premier, Travel Medical Choice and Patriot America Plus cover sudden flare-ups or emergencies. While helpful for unexpected problems, they do not replace full pre-existing condition coverage.
Quick Summary: For seniors, full pre-existing condition plans are the best choice, ensuring peace of mind and complete protection during international travel. Acute-onset plans can supplement for emergencies, but full coverage remains the priority.
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