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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

🧳 Travel Insurance for Seniors

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.

❓ How Do You Determine Which Conditions Are Pre-Existing Medical Conditions for Seniors in Travel Insurance?

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:
  • A recent visit to the doctor or treatment for the medical issue.
  • Medication you take regularly.
  • Symptoms you have experienced.

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.

💊 Do Seniors Need Travel Insurance for Pre-Existing Conditions?

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.

🩺 What Are the Types of Pre-Existing Condition Coverage for Seniors?

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.

1. Full Pre-Existing Condition Coverage

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:
  • check_circle Travelers with ongoing treatments or a history of heart, kidney, or diabetic conditions.
  • check_circle Seniors aged 60 to 99 years.
  • check_circle Parents or grandparents visiting the USA
Example:

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.

2. Acute Onset of Pre-Existing Conditions

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:
  • check_circle Seniors in generally good health but with known medical conditions.
  • check_circle Travelers up to 89 years old.
  • check_circle Those who need coverage mainly for emergency situations.
Example:

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.

🧠 How to Choose the Best Travel Insurance for Seniors with Pre-Existing Conditions?

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.

💰 How Much Does the Best Pre-Existing Condition Coverage 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.

Show Plans »

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.

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

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

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

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

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

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Travel Insurance for Cancer Patients
Travel Insurance for Cancer Patients

Covers emergency care, treatment interruptions, or unexpected medical expenses related to cancer while abroad.
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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 Is the Best Travel Insurance for an 87-Year-Old Senior Who Has Had 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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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 the USA with Pre-Existing Conditions – FAQs

1. Which is best travel insurance for over 65 with pre existing medical conditions?

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.

2. Which is the best travel insurance for seniors with pre-existing conditions?

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.

3. Which is the best international travel health insurance for seniors?

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.

4. 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.

5.Can I get travel insurance over 70 pre existing conditions?

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.

6. Does travel insurance cover chronic conditions common in the elderly?

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.

7. Can elderly travelers with prior surgeries get travel insurance?

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.

8. Can seniors over 80 get travel medical insurance with pre-existing conditions?

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.

9. 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.

10. 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.

11. 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.

More visitors insurance for pre existing conditions FAQ's

🧾 Summary of Travel Insurance for Seniors with Pre-Existing Conditions

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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Schengen visa plans for Seniors
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Older immigrant insurance in USA
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Expertise in offering travel insurance
20+ years!
US health insurance
Customers from
All U.S. states!
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Customers from over
180 countries!