International student health insurance pre-existing conditions
In health insurance parlance a pre-existing condition is a health ailment that already exists whether or not it has been diagnosed and being treated for before the customer purchases health insurance plan.
A pre-existing condition could be any condition as common as and as serious as heart disease, high blood pressure, cancer, type 2 diabetes and asthma. These are some chronic disorders that affect large part of the population.
One of the rules, as per the Affordable Care Act (popularly known as Obamacare for students) that got signed into law in March 2010, is the elimination of the pre-existing
condition requirements imposed by health plans. Insurers use "look back" period or 'Exclusion Period' or 'Waiting Period' to determine if the condition is considered pre-existing or not.The "look back" period or the "Exclusion Period' varies from one state to another depending on the policy and the concerned state insurance regulations and can range from 6 to 18 months.
For Instance: Mary a 48 year old woman is already diagnosed with Type 2 Diabetes. She is looking for a J1 visa health insurance plan as she is a visiting J1 scholar planning to join a University in US. The plan that she finally decides to buy has a 6 month waiting period or exclusion period by which she will not be covered by the insurance for any claims that occur in the first immediate 6 months of the effective start date of the insurance plan for her diabetes related expense. After the first 6 months of the policy effective date, she will be covered for any of the claims made for any treatment related to her diabetes condition.
At American Visitor Insurance, we have several student insurance for pre-existing conditions that are suitable for students and scholars. These plans meet the University requirements and the J1 Visa requirements and are very popular. Have a look at our international student insurance we have health insurance for international students that covers acute onset of pre existing conditions where we have listed the popular student plans with their benefits and prices.
Click on a selected plan to get more details about the plan. We have included many details in our new page mentioned above such as student group insurance plans for anyone interested in making a purchase for a group of students. We also have a quote form where you can get an instant quote for your criteria.
In our international student health insurance compare tool you can enter your information and view the plan prices and relevant benefit details. American Visitor Insurance has also developed an excellent compare student health insurance USA tool which helps international students find and buy the best student insurance with Covid coverage of their choice.
International health insurance for students
- Available for F1/F2 and J1/J2 Visa holders and their dependents.
- Might need minimum hours enrolled in institution.
- Health insurance for f1 students, satisfy F1 visa insurance requirements.
- Obamacare students insurance.
- Good F1 student visa health insurance coverage available at affordable price.
- Best student group insurance for 2 or more students.
- Maternity and newborn care for covered pregnancy available.
- Filling of the waiver form available after buying international student health insurance USA.
- Best OPT health insurance for international students on OPT status.
International Student Health Insurance Coverage highlights
Covers doctor visits in case of sudden injury or sickness.
Know more »
Some plans cover high school sports activities.
Know more »
Repatriation of remains expenses to home country in case of death.
Know more »
Expenses from sudden dental pain and accidental dental injuries.
Know more »
Some plans offer coverage for pregnancy, maternity and new born.
Know more »
Student insurance who need coverage for existing medical ailments.
Know more »Testimonials - From Our Customers
Thank you for your prompt reply. Thank you for doing some good homework on our behalf. May the Lord richly bless you and all your encounters and may He fill your life with all of his abundance.
Ron W
I needed to move my policy date, but remembered it too late. American Visitor Insurance customer support made a lot of efforts to fix it out and succeeded. It's a really good service. Great thanks to your support staff.
Konstantin V.B
Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration.
Amanda
Best student insurance for pre-existing conditions
The student health insurance for pre-existing conditions coverage with waiting period.
Following are the international student medical insurance with pre existing conditions coverage:
- Student Health Advantage from International Medical Group (IMG) covers pre-existing conditions. The platinum plan has 6 months waiting period and the standard plan has 12 months waiting period.
- The Study USA plan from USI Travel Insurance Services provides coverage for pre-existing conditions. The Study USA Platinum has a 6 month waiting period. The other 2 versions of this plan namely the Standard and Preferred have 12 month waiting period.
- Student Secure Insurance from WorldTrips offer coverage of $25,000 for acute onset of pre-existing conditions with the following waiting period: Student Secure Select and Student Secure Elite Insurance has a 6 month waiting period for pre-existing condition coverage. Student Secure budget Insurance has a waiting period of 12 months for pre-existing conditions.
- Navigator for Student from Geoblue is ideal for US Students studying outside the US. It offers coverage for pre-existing conditions with creditable coverage.
Popular international student health insurance pre-existing condition coverage.
Compare Patriot Exchange student insurance quotes »Best international student health insurance in USA
-
Which is the best student insurance in USA?
Health insurance for F1 students in USA, Medical insurance for international students
- IMG's Patriot Exchange insurance is designed for International students or Cultural Exchange scholars.
- It is a very affordable plan and meets J visa requirements and F Visa for international students.
- Covers pre-existing condition after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.
- The student can buy this plan with a sports rider to cover activities such as downhill skiing.
- Patriot Exchange Insurance can be renewed online up to 48 months.
- Provides coverage for international student medical insurance to students and scholars pursuing their education outside their home country.
- Student Health Advantage Platinum covers Maternity Newborn Care.
- Standard plan covers pre-existing condition after 12 months of a waiting period.
- Platinum plan covers pre-existing condition after 6 months of a waiting period.
- This plan can be renewed for up to five years.
- Student Secure provides excellent insurance cover to international students and scholars outside their home country.
- Covers acute onset of pre-existing conditions up to $25k lifetime maximum for eligible expenses.
- This plan is ideal for J1 and F1 and OPT students.
- Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
- This plan can be renewed for up to four years.
- Study USA Health Insurance provides affordable student travel insurance for students studying in USA and to US registered students studying abroad.
- Covers Sports & Activities - Leisure, Recreational, Entertainment, or Fitness.
- Study USA standard, preferred and platinum covers maternity care for a covered pregnancy.
- Study USA Standard and Preferred plans have 12 months waiting period for pre-existing conditions and platinum covered after 6 months waiting period.
- This plan can be renewed for up to four years.
- Offers worldwide coverage for international students and faculty outside their home country.
- Offers Unlimited annual and lifetime medical maximum.
- Pre-existing conditions exclusion can be waived with proof of prior creditable coverage.
- Coinsurance is waived for care outside the U.S.
- Sports, terrorist and alcohol-related injuries are covered.
- Exceeds J-1 visa requirements.
- No waiting period associated with any preventive services.
-
- Available for International students and exchange program participants.
- Excellent plan for international students who are on the OPT status.
- Covers acute onset of pre-existing conditions up to the age of 79 years.
- Available for Non-US Citizens traveling outside their home country.
- Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
- Offers coverage for Students or teachers going abroad for a semester.
- Covers pre-existing conditions for medical services and medical evacuation, for individuals with a current U.S. health plan.
- Access to doctors and hospitals in 190 countries.
- Applicant's home country must be the US.
- Requires a primary health plan.
- This plan is ideal for students, study abroad and international exchange students.
- Covers pre-existing conditions after 24 months waiting period.
- Available for Non Us citizens and Non US residents visiting the US.
- Covers athletic & hazardous sports activities.
- This plan can be available from 15 days to 365 days.
- Offers coverage for Students or teachers going abroad for a semester.
- Pre-existing conditions are covered with a 180-day exclusion.
- Access to doctors and hospitals in 190 countries.
- Applicant's home country must be the US.
- Does not require a primary health plan.
- Offers coverage for students.
- Worldmed is international health insurance for people traveling outside their home country and is available to both US and Non US citizens.
- Acute onset of pre-existing conditions is covered up to $200k up to age 60 and for age 60-64 it is $20k.
- Intercollegiate sports activities, recreational activities and hazardous activities are optional add on benefits on the plan.
- Available from 5 days to 364 days.
- This plan is ideal for study abroad, work study programs and international exchange students.
- Available for Non US Residents while visiting the US.
- Covers Unexpected Recurrence of a Pre-existing Condition(US Citizens only)
- Offers optional Athletic and Hazardous Activity Rider.
- Covers optional war risk coverage.
- This plan is ideal for students, study abroad and international exchange students.
- Available for people traveling outside their home Country excluding USA.
- Covers Unexpected Recurrence of a Pre-existing Condition(US Citizens only)
- Offers optional Athletic and Hazardous Activity Rider.
- Covers optional war risk coverage.
-
- Designed for Study abroad student seeking supplemental Emergency Medical Evacuation coverage to meet school or visa requirements.
- Offers coverage to international students and visitors traveling to the U.S.
- Available for people age above 14 days and below 50 years.
- Emergency Medical Evacuation coverage is available for up to $50k.
- This plan can be available from 5 days to 365 days.
- Repatriation of remains coverage is available for up to $25k.
- Offers coverage for International students or scholars.
- Medical Evacuation and Repatriation provides annual coverage that meets J Visa and other visa requirements.
- Any non US citizen and non US resident who is travelling to the United States and Participating in full-time educational activities can buy this plan. You are not required to have a visa.
- Available from 5 days to 364 days.
- Available for people age above 14 days and below 65 years.
Student health insurance for pre-existing conditions - FAQ's
01. What type of insurance can a student purchase?
The most important types of insurance plans that a student need to have are:
- Student health Insurance: Many students may have access to health insurance through their parents' plans until a certain age. However, if that is not the case, especially for international students, then they need to buy good student health insurance. This is very important given the cost of US healthcare. Students can buy the best health insurance for international students in USA offered on American Visitor Insurance or consider buying coverage offered by their educational institution.
- Travel Insurance: For students who frequently travel either domestically or internationally, student travel insurance can be helpful. It typically covers trip cancellation or interruption, medical emergencies, lost luggage, and other travel-related risk. Students can buy these travel insurance plans on American Visitor Insurance.
They should also consider buying the following if applicable to their needs.
- Renters Insurance: If a student is living off-campus in a rented apartment or house, renters insurance can provide coverage for personal belongings in case of theft, fire, or other covered perils. It may also offer liability protection if someone is injured in their rented space.
- Auto Insurance: Students who own a vehicle or often rent a car will need auto insurance or car rental insurance. It is mandatory in most areas and provides coverage for accidents, theft, and damage to the vehicle.
02. What is student travel insurance?
Student travel insurance is an international travel insurance when the student travels abroad. This insurance will provide various benefits for the student which are requested by the University abroad in which the student is admitted for higher studies.
The international student travel insurance plan covers all the requirements of the students Here are some of the things that they cover:
- Hospitalization
- Medical treatment expense
- Emergency medical evacuation
- Repatriation
- Doctor visits
- Mental health and substance abuse
- Dentals for sudden accidents
- Sports activities which might be an add on benefit
- Maternity and pregnancy coverage for covered pregnancy
- Acute onset of pre existing conditions
03. What qualifies as pre pre-existing condition?
Pre-existing conditions refers to a health condition or medical condition that was and has been in the individual before obtaining the insurance coverage.
The exact definition and scope of pre-existing conditions can vary depending on the insurance provider and the specific policy. Here are some characterizations of pre existing conditions:
- Diagnosed conditions: These are conditions that have already been diagnosed by a health care professional before the insurance coverage begins such as diabetes, asthma, cancer, arthritis, heart disease, lung disease.
- Chronic conditions: Conditions that require on-going maintenance and management such as Alzheimers, Cancer, HIV/AIDS... come under this category of pre existing conditions.
- Recurring conditions: Individual might be diagnosed with some condition that is no longer existing or being treated such previous episodes of depression or surgery com under this category of pre existing conditions.
04. Does student travel insurance cover pre existing conditions?
Some of the student travel insurance plans provide coverage for pre-existing conditions. There are some plans that do not cover pre-existing conditions and most of them have waiting periods to cover this benefit. There are few more situations where this coverage will be addresses as mentioned here:
- Coverage Exclusion: Some student travel insurance policies may specifically exclude coverage for pre-existing conditions. This means that any medical expenses related to pre-existing conditions would not be covered under the policy.
- Limited Coverage: Certain policies might offer limited coverage for pre-existing conditions. For example, they may cover acute exacerbations or unexpected complications related to pre-existing conditions, but not routine or on-going treatment.
- Coverage with Waiting Periods: Some insurance plans may provide coverage for pre-existing conditions, but only after a waiting period. During this waiting period, which is typically specified in the policy, expenses related to pre-existing conditions may not be covered.
- Coverage with Higher Premiums: In some cases, insurance providers may offer coverage for pre-existing conditions but charge higher premiums to account for the increased risk associated with those conditions.
05. What is the waiting period for pre-existing medical conditions?
Waiting period is the time period during which the benefits related to pre-existing conditions may not be covered. After the waitiing period the coverage for pre-existing conditions will begin. Some plans have short waiting periods as few weeks while some have waiting periods of 6 months to one year.
Some of the popular Student insurance plans and their waiting periods to cover pre existing conditions:
- Student Secure Elite: Waiting period is 6 months.
- Student Health Advantage: Waiting period is 6 months.
- Patriot Exchange: Waiting period is 12 months.
- Study USA: Waiting period is 12 months for the Preferred plan and 6 months for the Platinum plan.
06. What is a pre-existing condition for student health insurance?
A pre-existing condition refers to any illness, injury, or medical condition that you had before buying your student health insurance. These pre-existing ailments can range from chronic diseases like diabetes or asthma to previous injuries or surgeries.
07. How can I find out if my international student health insurance covers pre-existing conditions?
It is important to compare coverage on the compare tool in American Visitor Insurance and carefully review the policy documentation and talk to the licensed insurance agents on American Visitor Insurance to inquire about pre-existing condition coverage. It is important to pay attention to the policy's terms and conditions, exclusions, and limitations related to pre-existing conditions.
08. If my current health insurance plan doesn't cover pre-existing conditions, what options do I have?
If your current plan does not cover pre-existing conditions, you can explore other insurance options on American Visitor Insurance that provide such coverage. Some student medical insurance plans offer coverage for pre-existing conditions after a waiting period. It is important and useful to compare different student insurance plans on American Visitor Insurance to find one that suits your needs.
09. Will I have to pay higher premiums for coverage of pre-existing conditions in Student medical insurance?
Student insurance plans that offer coverage for pre-existing conditions may have higher premiums to make it viable to pay for this increased benefits. The exact premium cost will however depend on various factors, including the pre-existing condition and the insurance provider's pricing structure.. It is most useful to compare different student insurance plans on American Visitor Insurance to find one that suits your needs.
10. Can I get coverage for pre-existing conditions if I don't disclose them when purchasing the student insurance?
It is crucial to be honest and transparent when providing information about pre-existing conditions during the insurance application process. Intentionally withholding information or providing false details may result in claim denials or even policy cancellations.
11. Is there a waiting period for coverage of pre-existing conditions in student insurance plans?
Some student insurance plans impose waiting periods before coverage for pre-existing conditions becomes effective. During this waiting period, the insurance provider will not cover any medical expenses related to the pre-existing ailment. Waiting periods can vary, and it's essential to understand the specific terms outlined in your student insurance policy.
12. Can I get treatment for a pre-existing condition immediately after purchasing the student insurance?
If your student insurance policy has a waiting period for pre-existing conditions, you will not receive coverage for treatments related to those conditions until the waiting period has expired. During this time, you may have to cover the expenses out of pocket.
Why should international students compare health insurance?
Most international student health insurance plans seem similar on first impressions. However, while they have many benefits in common and the premium is also similar, different student insurance plans do have some additional benefits or perhaps some specific constraints. In order to choose the best plan based on the students requirements and to get sufficient coverage from the international student insurance plan, it is important to compare different features available in the student health insurance plan.
The following are important factors for comparing student health insurance plans:Policy Maximum: This is the maximum amount on the insurance plan which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an extreme emergency as per the policy guidelines and conditions mentioned in the policy.
Deductible: The deductible options can range anywhere from $50 up to $5000 between the plans. A larger deductible means lower premium price and vice versa. Picking a large deductible thus low premium by choosing a comprehensive plan is usually recommended, as most of the comprehensive plans have an one time deductible and is cost effective.
Pre existing condition coverage: This is very important benefit factor as many customers need this benefit. The student plans have a minimum 6 month waiting period for coverage of pre-existing conditions.
Coverage for mental illness and drug abuse: This coverage is required by most of the universities.
Cancellation and Renewability: Each plan have their unique cancellation and renew-ability policies. It is important to pay attention to it if there is any ambiguity while booking insurance initially.
Sports and other unique activities: Some of the plans provide coverage for intercollegiate and interscholastic sports...
Based on these factors, American Visitor Insurance provides an excellent compare student medical insurance facility where getting quotes as per students’ requirements. Once the required information is entered in the form, a summary of popular student insurance plans are displayed which can be compared.
Advantages of our US Student insurance compared to University insurance
- The student medical insurance on American Visitor Insurance are designed specifically for international students.
- Our US Student insurance options offer comparable coverage to University insurance plans but are significantly cheaper.
- These US student health insurance provide coverage throughout the country and are not limited to the proximity of any college.
- Some of our student medical insurance for OPT status can be bought even if the student is not taking courses on campus.
- We offer student insurance plans for the spouse and dependents of the student visa holder even if the primary visa holder has a different insurance.
- The student insurance plans on American Visitor Insurance moves with the student and is not limited to any University. Unlike any University insurance, if the student switches a college, the student insurance is valid in the new University as well.
- These student insurance plans are valid till the end of the policy period even after the student has graduated. This is very useful for students who are on the OPT status in an F1 visa.
- We offer exchange student insurance plans that satisfy J visa requirements as mandated by US consulates.
Steps to compare and buy
Best International student insurance
1: Finding the available best health insurance for international plans
Complete the student insurance quotes request form by providing details of the student and insurance requirements.
2: Compare the different medical insurance options
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
3: Buy the student health insurance that you like best
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
4: Review the students medical insurance plan documents received by email
Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.
Factors to buy best travel medical insurance USA
Age of the traveler
The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
Type of US travel health insurance
Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.
Medical maximum coverage
The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Region of coverage
Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.
Duration of travel insurance
The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.
Any add on benefits
Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.
Types of travel insurance
Single Trip Travel Insurance
Compare and buy best US Single trip insurance for travel within the US and overseas
Know more »Single Trip vs MultiTrip Travel Insurance
Compare Single trip vs multi trip insurance plans offered by US insurers.
Know more »Student health insurance for top US colleges and universities.
Compare Patriot Exchange student insurance quotes »Best insurance for international students
Cheapest F1 student health insurance
Students when they travel outside their home country to study along with the university academic experience also get an opportunity to experience a new culture and to see different parts of the world and meet new people with varied backgrounds. We work with several US insurance providers that offer excellent student F1 health insurance.
We have developed an excellent compare F1 visa student travel insurance tool and have article and FAQ's with information for the best travel insurance for f1 students studying abroad. Our international student insurance plan comparison facilities lists the student travel insurance that satisfies the student requirements.
Students can find the cheapest health insurance for international students in USA as well as outside the USA. Other than the cost, we also display relevant coverage details of health insurance for international students on F1 visa studying in the USA.
Student health insurance information
Student medical insurance forum
Customer queries and answers about medical insurance.
Click here to read more »Student Medical Insurance Blogs
Blogs about buying student health Insurance.
Click here to read more »Student travel insurance FAQs
Commonly asked questions about student travel insurance.
Click here to read more »