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Pre-Existing Conditions travel insurance for Older Travelers

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.

Which is the best insurance for older travelers in USA?

Available plans

Visitors Care Insurance IMG

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star Rating: A(Excellent) edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Acute onset of pre-existing conditions: Covered up to the selected policy maximum for individuals up to age 70.
  • Visitors Care is a cheap visitor health insurance for parents visiting USA.
  • Direct Billing: First healthcare First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Urgent Care: $85 max per visit/10 max visits
  • Emergency medical evacuation: Up to $50,000

  • Policy maximum?
    $25,000, $50,000, $100,000

  • Deductible options?
    $0, $50, $100

  • Period of coverage?
    5 days to 2 years

Venbrook Essential Insurance Venbrook

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star Rating: "A" (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Acute onset of pre-existing conditions: Covered up to the selected policy maximum. For cardiovascular events, such as a heart attack or stroke, coverage is limited to $15,000 under the $25,000 policy maximum plan, and $25,000 under all other plans.
  • Cardiovascular event sub limit: Covers up to $25,000.
  • Emergency medical evacuation: Covers up to $100,000.

  • Policy maximum?
    $25,000, $50,000, $100,000, $150,000

  • Deductible options?
    $0

  • Period of coverage?
    5 days to 12 months

Safe Travels Advantage Insurance Trawick International

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star Rating: A (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Acute onset of pre-existing conditions: Covered up to policy maximum. For cardiac conditions or stroke, coverage is limited to $25,000; for ages 80 and above, acute onset coverage is up to $15,000 and cardiac conditions or stroke are limited to $15,000.
  • Cardiac conditions or stroke: Covers up to $15,000.
  • Direct Billing through First HealthCare First health care Provider Network
  • Emergency medical evacuation: Covered up to unlimited.
  • Repatriation of remains: Covers up to $25000 per policy period.

  • Policy maximum?
    $25,000, $50,000, $100,000, $150,000

  • Deductible options?
    $0

  • Period of coverage?
    5 days to 364 days

Safe Travels Elite Diamond Insurance Trawick International

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star Rating: A (Excellent) edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Acute onset of pre-existing conditions: Covers up to $35,000 (up to age 79).
  • Cardiac conditions or stroke: Covers up to $15,000.
  • Direct Billing through First HealthCare First health care Provider Network
  • Emergency medical evacuation: Covers up to $50,000.
  • Repatriation of remains: Covers up to $7,500 per policy period.

  • Policy maximum?
    $50,000, $100,000

  • Deductible options?
    $100, $200

  • Period of coverage?
    5 days to 364 days

INF Premier X Insurance INF

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star Rating: "A" (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Full Pre-Existing Condition Coverage:
    • Ages 0–69 years:
      Choose a pre-existing condition coverage limit of $20,000, $30,000, $50,000, or $150,000 with a deductible of $1,000.
      Choose a pre-existing condition coverage limit of $40,000, $60,000, $100,000, or $200,000 with a deductible of $5,000.
    • Ages 70–99 years: Option 1: $15,000 Maximum Benefit; subject to a $1,000 Deductible
      Option 2: $25,000 Maximum Benefit; subject to a $5,000 Deductible
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Emergency medical evacuation: Covers up to $20,000 maximum.
  • Minimum purchase is 90 days.

  • Policy maximum?
    $100,000

  • Deductible options?
    $250, $500, $1,000, $2,500, $5000

  • Period of coverage?
    90 days to 364 days

Venbrook Premier Insurance Venbrook

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star Rating: "A" (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Acute onset of pre-existing conditions: For ages up to and including 69, coverage is available up to the medical policy maximum purchased per policy period
  • Cardiovascular event sub limit: Covers up to $25,000.
  • Emergency medical evacuation: Covers up to $100,000.

  • Policy maximum?
    $25,000, $50,000, $100,000, $250,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500 and $5,000

  • Period of coverage?
    5 days to 12 months

Patriot America Plus Insurance IMG

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star Rating: “A-” by A.M. Best edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
  • Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
  • Direct Billing: First healthcare First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Emergency medical evacuation: Covers up to $1000,000.

  • Policy maximum?
    $50,000, $100,000

  • Deductible options?
    $0, $100, $250, $500, $1,000 $2,500

  • Period of coverage?
    5 days to 12 months

Diplomat America Insurance Global Underwriters

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star Rating: AM Best Rating: "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC
  • Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
  • Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
  • Freedom to choose hospitals or doctors
  • Emergency medical evacuation: Covers up to $250,000.

  • Policy maximum?
    $50,000, $100,000

  • Deductible options?
    $0, $100, $250, $500, $1,000 $2,500

  • Period of coverage?
    15 days to 12 months

Safe Travels USA Insurance Trawick Internationalt

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star Rating: "A" (Excellent) edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Unexpected recurrence of pre-existing conditions: Covered up to $1,000 for ages up to 69.
  • Cardiac conditions or stroke: Covers up to $25,000 up to age 69 years.
  • Direct Billing: First HealthCare First health care Provider Network
  • Emergency medical evacuation: Covers 100% up to $1,000,000.

  • Policy maximum?
    $50,000, $100,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    5 days to 364 days

Atlas America Insurance WorldTrips

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star Rating: Rating: A++ (Superior) edit_square Underwriter: Lloyds, London
  • Acute on set of pre-existing conditions: The plan covers up to the selected policy maximum for the acute onset of pre-existing conditions for ages under 80 years.
  • Ideal plan for parents with pre-existing conditions coverage up to 79 years.
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Emergency medical evacuation: Covers up to $1,000,000.
  • Border entry protection: Covers up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border.

  • Policy maximum?
    $50,000, $100,000, $150,000

  • Deductible options?
    $0, $100, $250, $500

  • Period of coverage?
    364 days

Travel Medical Choice Insurance Seven Corners

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star Rating: Rating: “A (Excellent)” edit_square Underwriter: Crum & Forster SPC
  • Acute on set of pre-existing conditions: Coverage for cardiac conditions and/or stroke is up to $50,000 for ages 14 days to 69 years and $5,000 for ages 70 to 79 years, while coverage for other conditions is up to $75,000 for ages 14 days to 69 years and $7,500 for ages 70 to 79 years; no coverage available for ages 80 and older.
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Emergency medical evacuation: Covers up to $1,000,000.
  • Repatriation of remains: Covers up to $50,000.

  • Policy maximum?
    $50,000, $100,000

  • Deductible options?
    $0, $100, $250, $500, $1,000

  • Period of coverage?
    5 days to 364 days

Safe Travels USA Comprehensive Insurance Trawick International

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star Rating: "A" (Excellent) edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Acute on set of pre-existing conditions: For ages up to and including 69, coverage is available up to the medical policy maximum purchased. Upon attaining age 70, the maximum coverage is reduced to $35,000. For ages 80 to 89, the maximum coverage is further reduced to $20,000.
  • Direct Billing: First healthcare First health care Provider Network
  • Cardiac conditions or stroke: Covers up to $15,000.
  • Emergency medical evacuation: Covers 100% up to $1,000,000.
  • Repatriation of remains: Covers up to $50,000.

  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    5 days to 364 days

Visit USA Superior Travel Insurance Services

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star Rating: "A" (Excellent) edit_square Underwriter: Certain Underwriters at Lloyd's of London.
  • Acute onset of pre-existing condition: Covered up to $25,000 for individuals under age 65, and up to $2,500 for those aged 65 and older.
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network or First HealthCare First health care Provider Network
  • Emergency medical evacuation: Covers up to $500,000.
  • Repatriation of remains: Covers equal to the elected overall maximum limit.

  • Policy maximum?
    $20,000

  • Deductible options?
    $0, $250, $500, $1,000

  • Period of coverage?
    5 days to 364 days

Visitors Protect Insurance IMG

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star Rating: "A-" edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
  • Ideal plan for seniors with pre-existing conditions.
  • Direct Billing: First healthcare First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • Emergency medical evacuatio: Covers up to $25,000 maximum.
  • Minimum purchase is 90 days.

  • Policy maximum?
    $50,000

  • Deductible options?
    $250, $500, $1,000, $2,500 or $5,000

  • Period of coverage?
    90 days up to 12 months

INF Elite X Insurance Comprehensive benefit

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star Rating: AM Best Rating "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC
  • Full Pre-existing condition coverage:
    • Ages 0–69 years: Choose a pre-existing condition coverage limit of $25,000, $30,000, $40,000, or $50,000 with a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000.
    • Ages 70–99 years: Choose a pre-existing condition coverage limit of $20,000 with a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000.
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Emergency medical evacuation: Covers up to $25,000 maximum.
  • Minimum purchase is 90 days.

  • Policy maximum?
    $75,000

  • Deductible options?
    $250, $500, $1,000, $2,500, $5000

  • Period of coverage?
    90 days to 364 days

SafeVista Protect Insurance Comprehensive benefit

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star Rating: A edit_square Underwriter: Tideview Risk SPC

SafeVista Comprehensive plan is designed for non-US residents aged 99 and under who are traveling to the United States

  • Coinsurance: Plan pays 80% in-network and 50% of URC charges out-of-network up to the policy maximum.
  • Direct billing: Through United Healthcare Provider Network  United healthcare
  • Cashless claims: : Through INF Robin assist
  • Acute on set of pre-existing conditions: Covers up to the policy maximum for individuals up to 85 years of age.
  • Urgent care: Up to $25 copay
  • Emergency medical evacuation: Covers up to $25,000 maximum.
  • Telehealth: Free Telehealth worldwide via Doctor Please.
  • Return of mortal remains: Up to $10,000.

  • Policy maximum?
    $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500 , $5,000

  • Period of coverage?
    10 days to 364 days

  • Maximum age limit
    Up to 99 years

Visitors medical insurance for older travelers with pre-existing conditions

At American Visitor Insurance we are always striving to get you the best pre-existing conditions coverage options possible for your travels or for your visitors! We have partnered with top providers like Trawick International, IMG, WorldTrips, Seven Corners, Venbrook, and INF to bring you a wide range of options. One of the most popular options for seniors is the Safe Travels USA Comprehensive plan from Trawick International.
  • Coverage for acute onset of pre-existing conditions up to age 89 years.
  • Policy maximums: $50,000 – $1,000,000.
  • Must receive medical treatment within 24 hours of first symptom.
  • Coverage limits vary by age:
    • Up to medical maximum for travelers under 70.
    • $35,000 limit for ages 70–79 (non-cardiac).
    • $20,000 limit for age 80–89 (non-cardiac).
    • Cardiac / stroke-related: $25,000 (under 70), $15,000 (70+).
medical insurance for seniors

We are proud and excited to offer this option since we know there are many clients concerned about pre-existing conditions while in the US and we can now offer a significant benefit for this age group (up to age 89). The US is known for it's expensive healthcare system for visitors. The cost of routine physician visit is very expensive in the US.

❓ Examples include:

  • Routine doctor visit: $176+
  • Emergency diabetes treatment: $25,000
  • Stroke with ICU care (10 days): $120,000
  • Heart attack with ICU + scans: $200,000+

Therefore it is very important to make sure that our US Travel health insurance is taken care of to make us feel safe and secured in a new unknown place. Some visitor insurance plans from INF cover these pre-existing medical ailments. If you have questions or concerns, please contact our friendly agents who can step you through the process and help you find the right plan for you and your visitors!

We have US visa medical insurance plans from other reputed insurance companies offering pre-existing conditions visitors medical insurance coverage to older travelers as follows:

Atlas Travel and Atlas Premium plans from WorldTrips - Acute onset coverage up to age 80

Travel Medical plans from Seven Corners - Coverage for acute onset up to age 79.

Visitors Protect from International Medical Group (IMG) - It is a comprehensive travel medical insurance plan designed for international visitors coming to the U.S., Canada, or Mexico.

  • Pre-existing condition coverage included.
  • For travelers age 70 and above: coverage up to $20,000.
  • Deductible: $1,500.
  • Provides temporary medical protection for seniors and long-term visitors.

Patriot Platinum from International Medical Group (IMG) - Sudden and unexpected recurrence of pre-existing conditions up to $2,500 (70+)

Visit USA from Travel insurance services - $2,500 coverage for sudden onset of pre-existing conditions (70+)

Venbrook Essential insurance - Fixed benefit plan, acute onset up to policy maximum (under 70)

Venbrook Premier insurance - It provides expanded protection for the acute onset of pre-existing conditions.

  • Covers one sudden and unexpected acute onset, as long as the traveler receives medical treatment within 24 hours of the first symptoms.
  • oNon-cardiac events: covered up to the opolicy maximum
  • Cardiac-related events: up to $25,000 for travelers ages 65–69
  • No coverage for travelers 70 years and older

INF Premier (Fixed Benefit Plan)

  • Policy maximums: $100K, $150K, $300K, $500K, $1M (age 0–69)
  • Policy maximum: $100K (age 70–99)
  • Pre-existing condition coverage (ages 0–69):
    • $100K max → up to $20K / $40K
    • $150K max → up to $30K / $60K
    • $300K max → up to $50K / $100K
    • $500K max → up to $150K / $200K
  • Pre-existing condition coverage (ages 70–99):
    • $100K max → up to $15K / $25K
  • Deductible: $1,000 or $5,000

INF Elite (Comprehensive Plan)

  • Policy maximums: $150K, $250K, $300K, $500K, $1M (age 0–69)
  • Policy maximum: $75K (age 70–99)
  • Pre-existing coverage (ages 0–69): $25K – $50K, depending on policy max
  • Pre-existing coverage (ages 70–99): Up to $20K
  • Deductibles: $1,500 – $10,000

INF Elite 90: (Comprehensive – 90% Coverage)

  • Policy maximums: $150,000 $250,000, $300,000, $500,000, $1,000,000(age 0–69)
  • Policy maximum: $75,000 (age 70–99)
  • Pays 90% of eligible medical expenses
  • Pre-existing coverage (ages 0–69): $25,000 – $50,000
  • Pre-existing coverage (ages 70–99): Up to $20,000
  • Deductibles: $1,500 – $10,000

INF Premier Plus: (Preventive + Pre-Existing Coverage)

  • Available worldwide for non-U.S. citizens visiting the U.S., Canada, or Mexico
  • Policy maximum: $300,000 (age 0–69)
  • Pre-existing condition coverage: $50,000 / $100,000
  • Deductible: $1,000 or $5,000
  • Includes: preventive care + full body physicals

What are the benefits of best travel insurance for pre existing conditions in USA?

Choosing the right travel insurance can make a big difference for visitors with health concerns. Here’s what top plans typically include:

  • 🏥 Financial protection – Covers eligible expenses from the acute onset of a pre-existing condition during your trip.
  • ⚕️ Emergency medical services – Includes hospitalization, surgery, and urgent care treatments.
  • 🚑 Emergency medical evacuation – Pays for transportation to the nearest hospital or medical facility if specialized care is needed.
  • 💳 PPO network access – Some plans provide access to preferred provider networks (PPOs), which can lower out-of-pocket medical costs.
👉 With these benefits, seniors and visitors can travel more confidently, knowing they’re protected against high U.S. healthcare costs.

How much does best pre-existing conditions for older travelers cost?

Affordable plans for visitors insurance with pre-existing conditions coverage:
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®

Comprehensive best visitors insurance plans for pre-existing conditions coverage:
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®

Health insurance for visitors to USA with pre-existing conditions

Review US visitor insurance plan benefits.

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What are the factors that determine the cost of best insurance for older travelers visiting USA?

Pre-existing conditions can significantly affect the cost of visitor health insurance, leading to higher premiums or even excluding coverage. Below are the main factors that determine the cost of travel insurance for seniors visiting the USA:

👵 Age of the Traveler

Elderly travelers with existing conditions may pay higher premiums and have limited coverage options, as insurers consider them higher risk. Travelers above 65 generally pay more than younger travelers.

📄 Type of Visitor Insurance

Comprehensive plans with higher limits cost more but offer broad protection, while fixed benefit plans are more affordable but provide limited coverage for medical needs and pre-existing conditions.

💰 Medical Maximum & Deductible

Plans with higher maximum coverage (e.g., $50,000 to $1,000,000) generally cost more. Opting for a higher deductible lowers the premium but increases out-of-pocket costs before insurance starts.

🌎 Destination

Healthcare in the USA is among the most expensive in the world. Insurance for travel to the USA usually costs more than plans for destinations like Canada or Europe.

🕒 Duration of Coverage

The longer the travel period, the higher the insurance cost. Most visitor plans charge premiums based on the number of days of coverage.

❤️ Pre-Existing Conditions Coverage

Plans covering acute onset or full pre-existing condition coverage (like INF plans) usually cost more but provide crucial protection for seniors with chronic illnesses.

How Do Fixed Benefit and Comprehensive Visitor Insurance Offer Coverage for Pre‑Existing Conditions?

Feature Fixed Benefit Visitor Insurance Comprehensive Visitor Insurance
Cost Budget-friendly and affordable Higher cost but more complete coverage
Coverage Pays a set amount for each benefit or under certain conditions Covers eligible medical expenses up to the plan’s maximum limit
Pre-existing Conditions Some plans offer limited coverage, but not all include it Some plans cover pre-existing conditions fully; others cover only the acute onset
Best For Healthy or younger travelers Travelers with existing medical conditions
⚠️ Note: In short, Fixed benefit insurance are great if you want something simple and affordable, while Comprehensive insurance are better for travelers who want broader coverage, especially if there are pre-existing conditions to consider.

Which Pre-Existing Conditions Are Covered by US Travel Insurance?

Visitor insurance for Asthma
Compare visitors medical insurance that cover asthma attacks, flare-ups, and emergency treatment abroad.

Visitor insurance for Arthritis
Find visitors health insurance that helps cover arthritis pain, joint issues, and sudden medical care while traveling.

Visitor insurance for Diabetes
Get visitors travel insurance for diabetes, including emergency care for sugar level complications while overseas.

Visitor insurance for Heart Ailment
Choose visitor travel insurance that covers heart problems such as chest pain, heart attack, or cardiac emergencies during travel.

Visitor insurance for Cholesterol
Protect against health risks from high cholesterol with visitor medical insurance covering related complications abroad.

Visitor insurance for Hypertension
Find visitor health insurance that covers high blood pressure emergencies, strokes, or related complications while traveling.

How Does Coverage for Pre-Existing Conditions Work?

  • Definition of a pre-existing condition – what medical conditions are considered pre-existing.
  • Look-back period – the time frame prior to travel during which a condition is considered pre-existing.
  • Type of coverage – whether the plan covers only acute onset (sudden flare-ups) or full coverage (ongoing treatment).
  • Coverage limits – the maximum amount the policy will pay for pre-existing conditions.
Whether a travel health insurance plan covers your pre-existing conditions depends on all these factors.

Acute onset vs. Chronic Conditions

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.

What Pre-Existing Conditions are Not Covered Under Visitor Health Insurance?

Even if some health insurance that covers pre existing conditions there are few important exclusions. These plans do not cover:

  • Regular maintenance of an existing condition (eg: daily insulin for diabetes, blood pressure checks, or dialysis)
  • Unexpected or planned care for the existing condition such as scheduled follow ups, procedure or surgery
  • Regular medication refill costs for chronic illnesses
  • Preventive care or wellness checkups for the condition
  • Pregnancy and childbirth if the traveler was already pregnant before start date of the policy
  • Chronic condition flare-ups that are not sudden or unexpected (e.g., an increase in blood sugar for a diabetic over time)
Pre-Existing Conditions are Not Covered Under Visitor Health Insurance
  • Medical costs after the initial 24 to 48 hours of the acute event, depending on the plan
  • Conditions diagnosed prior to the look-back period but not disclosed, if the insurer is required to be disclosed
  • Medical conditions in travelers over the age limit set by the plan (eg: Most of the plans offer coverage for acute onset under the age of 70 years)

What Is the Travel Insurance for an 87-Year-Old Senior Who Has Had a Heart Surgery Traveling to the USA?

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 insurance

INF 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 insurance

Safe 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 insurance

Please let us know in case of any questions

Regards,

Customer care
www.americanvisitorinsurance.com
(877) 340 7910

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US Travel medical insurance for older travelers

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What is the best travel insurance for Pre-Existing conditions?

Compare and buy the best coverage from the most reputable insurance companies for pre-existing conditions.

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Seniors visiting USA with pre-existing conditions FAQ’s

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. Know 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 best insurance for seniors visiting USA 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.

5. Does visitor medical insurance include prescription drugs for older travelers?

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.

6. Are there any age limits for pre-existing condition visitor insurance for seniors traveling to the US?

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.

7. Do any US visitor insurance plans cover pre-existing conditions?

There are many health insurance for us visitors 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 X 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.

8. Can I be denied health insurance because of a pre-existing condition?

Some of the US visitor health insurance plans are designed to cover unexpected and new medical issues that occurs during your trip and do not include coverage for chronic illness or existing medical conditions. If the medical condition existed prior the start date of the policy, even if not diagnosed it may still be considered as a pre-existing condition and excluded from the coverage. However, some plans offer coverage for acute onset of pre-existing condition which would apply in the case of sudden worsening without warning. If the symptoms existed before the policy start date, the claim would be denied.

9. Which travel insurance covers heart attack?

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.

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