🩺 IMG Travel Insurance with Pre-Existing Conditions Coverage
IMG offers travel medical insurance for visiting the USA and for travelers going abroad. If you already have a health condition, IMG has plans that can help some cover the acute onset of pre-existing conditions, while others give broader coverage for existing health issues. With American Visitor Insurance, you can easily compare different IMG plans and find one that fits your age, health, and travel plans. These plans help travelers with health concerns stay protected and travel with peace of mind anywhere in the world.
❓ What Is a Pre-Existing Condition in Travel Insurance?
The definition of pre-existing condition for travel insurance is any illness, injury, or medical issue that you had before the start date of your travel insurance policy. This includes any condition for which you:
- Received medical treatment or advice,
- Were prescribed medication, or
- Had symptoms that would have led a doctor to recommend care.
In simple terms, a pre-existing condition for travel insurance is any health problem that existed before your trip, even if it was stable or under control when you purchased your plan.
🧳 What Are the IMG Travel Insurance Pre-Existing Conditions Coverage Options?
IMG travel insurance pre-existing conditions coverage includes two types of protection designed for travelers who already have health issues before their trip. These options help you choose the right level of coverage based on your age, health, and travel plans.
| Type of Coverage | What Does It Cover? | Suitable IMG Plans | Who Is It Best For? |
|---|---|---|---|
| Acute Onset of Pre-Existing Conditions | Covers a sudden and unexpected recurrence of a pre-existing condition during your trip. The episode must occur without prior warning and require immediate medical care. | IMG Patriot America Plus, Patriot Platinum, Visitors Care, Patriot International lite. | Visitors under 70 years with stable conditions (like diabetes or heart disease) who want emergency coverage if the condition suddenly flares up. |
| Pre-Existing Conditions Coverage | Covers both new and existing pre-existing medical conditions (limits apply). This provides broader protection than the acute onset coverage. | IMG Visitors Protect Plan. | Travelers who want comprehensive protection for ongoing medical conditions ideal for older visitors or those with regular treatment needs. |
💊 What Are the Best IMG Travel Insurance Plans for Acute Onset of Pre-Existing Conditions?
The best IMG pre-existing condition travel insurance plans for acute onset are Patriot America Plus, Patriot Platinum, Visitors Care and Patriot International Lite. These plans cover sudden and unexpected flare-ups of stable health conditions during your trip, making them ideal for parents or senior visitors to the USA with managed issues like diabetes or hypertension.
Visitor Care Travel Insurance
The IMG Visitors Care plan is an affordable fixed-benefit travel medical insurance designed for non-U.S. citizens visiting the United States. It offers basic coverage at a low cost, with three plan levels Lite, Plus, and Platinum and includes coverage for the acute onset of pre-existing conditions, allowing travelers to choose the right benefits and pricing based on their health needs, budget, and trip duration.
Pre-Existing Coverage Details:- Includes coverage for the acute onset of pre-existing conditions up to the plan’s maximum limit for travelers under 70 years of age.
- Applies only if the condition suddenly worsens without prior symptoms before the trip.
- Provides limited benefit amounts for each covered service, as per the schedule of benefits.
- Emergency medical evacuation for acute onset is covered up to $25,000.
- Visitor Care policy maximum options ranging from $25,000 to $100,000.
Patriot America Plus Visitor Insurance
The IMG Patriot America Plus plan offers comprehensive medical coverage for non-U.S. citizens visiting the United States. It’s especially popular among parents and senior travelers because it includes coverage for the acute onset of pre-existing conditions, making it one of the best-value IMG travel insurance options.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $50,000 to $1,000,000.
Patriot America Platinum Visitor Insurance
The IMG Patriot America Platinum plan offers first-class comprehensive coverage for visitors to the U.S., with benefit limits up to $8,000,000 and broad protection. It’s ideal for travelers seeking top-tier benefits, including coverage for the acute onset of pre-existing conditions.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $1,000,000 to $8,000,000.
Patriot International Platinum Travel Insurance
The IMG Patriot International Platinum plan offers first-class worldwide coverage for travelers outside their home country, including trips to or beyond the U.S. It provides high benefit limits up to $8,000,000 and includes protection for the acute onset of pre-existing conditions, making it ideal for frequent international travelers.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $1,000,000 to $8,000,000.
Patriot International Lite Travel Insurance
The IMG Patriot International Lite plan offers essential and affordable international medical coverage for both U.S. and non-U.S. citizens traveling outside the United States. It also includes coverage for the acute onset of pre-existing conditions, making it a great choice for travelers seeking reliable protection for shorter or lower-risk trips.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $50,000 to $1,000,000.
🏆 What Is the Best IMG Visitors Insurance for Pre-Existing Conditions Coverage?
The Visitors Protect Insurance is the best IMG visitor insurance option that offers pre-existing conditions coverage not just for acute onset for travelers up to 99 years.
Visitors Protect Insurance
The IMG Visitors Protect plan provides extensive medical coverage for non-U.S. citizens traveling to the United States, offering protection for both new illnesses and pre-existing conditions not just acute onset. It’s an excellent choice for travelers who want comprehensive and worry-free coverage during their stay in the U.S.
Pre-Existing Coverage Details:- Covers both new and pre-existing medical conditions (beyond acute onset) up to the chosen policy maximum.
- Provides pre-existing condition coverage up to $25,000 for travelers aged 69 and below, and up to $20,000 for travelers aged 70 and above, with a deductible of up to $1,500.
- Includes inpatient and outpatient treatment related to pre-existing illnesses within plan limits.
- Available for travelers up to 99 years old, a rare feature among visitor plans.
- Policy maximum options range from $50,000 to $150,000, depending on the coverage level selected.
- Minimum Purchase should be 90 days.
✅ How Much Does IMG Pre-Existing Condition Travel Insurance Cost in the USA?
The IMG travel insurance with pre-existing condition cost ranges between $40 to $340 for a month. The cost depends on the age of the visitor, medical maximum coverage and deductible.
*The average cost of IMG travel insurance for the USA is based on quotes for a 60-year-old traveler for one month.
| Plan Name | Medical Maximum | Deductible | Cost* |
|---|---|---|---|
| Visitors Care | $25,000 | $100 | $40 |
| Visitors Preferred | $50,000 | $250 | $148 |
| Patriot America Plus | $50,000 | $250 | $164 |
| Patriot America Platinum | $1,000,000 | $250 | $322 |
The cost of Visitors Protect insurance is $1,061 for 3 months for a 60-year-old traveler, with a medical maximum of $50,000 and a deductible of $250.
🌍 IMG Travel Insurance Cost for Pre-Existing Conditions Outside the USA?
Travel insurance with pre existing medical conditions cost ranges between $121 to $247 for a month. The cost depends on the age of the visitor, medical maximum coverage and deductible.
*The average cost of IMG travel insurance pre-existing conditions for the Outside USA is based on quotes for a 60-year-old traveler for one month.
| Plan Name | Medical Maximum | Deductible | Cost* |
|---|---|---|---|
| Patriot International Lite | $50,000 | $250 | $121 |
| Patriot International Platinum | $2,000,000 | $250 | $247 |
🧠 How to Choose the Best IMG Visitors Insurance for Pre-Existing Condition Coverage?
| Traveler Type | Recommended IMG Plan | Why It’s a Good Fit |
|---|---|---|
| Parents visiting the USA (Age < 70, stable conditions) | Patriot America Plus | Covers acute onset of pre-existing conditions up to $1 million, ideal for short family visits. |
| Older travelers (Age > 70) | IMG Visitors Protect | Provides true pre-existing condition coverage (not limited to acute onset), with flexible policy limits. |
| Budget-conscious travelers | Visitors Care | A low-cost fixed-benefit plan offering limited acute onset protection perfect for short stays. |
| Frequent travelers / long-term visitors | Patriot Platinum | Offers high coverage limits and strong acute onset benefits, suitable for extended or multiple trips abroad. |
🚫 What Is Not Covered Under IMG Pre-Existing Condition Coverage?
- Routine or scheduled medical check-ups for known conditions.
- Medication refills for existing prescriptions.
- Planned medical treatment or surgery for pre-existing conditions.
- Conditions that showed symptoms before the policy start date.
- Any condition for which medical advice or treatment was sought before travel.
🌍 How to Find the Best Travel Insurance for Travelers with Pre-Existing Conditions?
When traveling with some type of pre-existing condition, you want to be careful about selecting insurance as the majority of visitor insurance plans from the US will only cover other acute-onset of pre-existing conditions or does not cover it at all. Travel Insurance Tips for Pre-Existing Conditions.
Here are some travel insurance tips for travelers with pre-existing conditions:- Choose a plan that specifically covers pre-existing conditions.
- Check the age limits for coverage.
- Review the coverage limit for pre-existing conditions (different from policy maximum).
- Be aware of any waiting periods or exclusions. Carry your medical records, prescriptions, and medications while traveling.
- Contact your insurance provider immediately in case of emergency.
🩹 IMG Travel Insurance for Pre-Existing Conditions
IMG offers several visitor insurance plans that provide coverage for the acute onset of pre-existing conditions and limited coverage under certain plans.
IMG Pre-Existing Coverage Plans:- Visitors Care: Cheapest visitor insurance plan covering acute onset of pre-existing conditions for travelers below 70; ideal for short-term visits.
- Patriot America Plus: Best comprehensive plan covering acute onset of pre-existing conditions up to the policy maximum for travelers under 70.
- Visitor’s Protect: Limited coverage for pre-existing conditions up to $25,000 (under 70) and $20,000 (70 to 99 years); includes broader ongoing condition protection.
- Patriot America Platinum: Premium plan with higher medical limits up to $8 million; covers acute onset of pre-existing conditions under age 70.
- Patriot International & Patriot Platinum International: Plans for travel outside the U.S. that cover acute onset of pre-existing conditions under age 70.
💡 Why Pre-Existing Condition Coverage Is Important?
Elderly travelers often have medical issues, such as diabetes, hypertension, or heart disease, when traveling to the U.S., especially if they're parents. Travel insurance for pre-existing conditions means they can get care abroad as needed without large out-of-pocket expenses.
It provides assurance and peace of mind for both the traveler and their family knowing that in the event of an emergency or routine medical needs, those will be covered during the travels.
At American Visitor Insurance, you can compare IMG pre-existing coverage plans side by side to choose the best option for your age and health needs.
⚙️ How IMG Travel Insurance Handles Pre-Existing Conditions?
IMG offers several visitor insurance plans that cover acute onset or pre-existing conditions. The table below compares key features to help you choose the right plan for your needs.
| Features | Patriot America Plus | Visitor’s Protect | Patriot Platinum | Visitors Care |
|---|---|---|---|---|
| Coverage Type | Acute Onset | Limited Pre-existing | Acute Onset | Acute Onset |
| Max Medical Limit | Up to $1M | $25K / $20K | Up to $8M | Up to $100K |
| Eligible Ages | Up to 70 yrs | Up to 99 yrs | Up to 70 yrs | Up to 70 yrs |
| Deductible | $0 to $2,500 | $1,500 (waived) | $0 to $25,000 | $0 to $2,500 |
| Coverage Area | USA | USA | USA | USA |
| Plan Type | Comprehensive | Comprehensive | Premium Comprehensive | Fixed Benefit |
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❓IMG Travel Insurance Coverage for Pre-Existing Conditions FAQ’s
1. Does IMG travel insurance cover pre-existing conditions?
Yes, IMG travel insurance pre-existing conditions coverage is offered in two ways:
- Acute Onset Coverage under plans like Patriot America Plus and Visitors Care, for sudden and unexpected recurrences.
- Pre-Existing Condition Coverage under the IMG Visitors Protect plan, which covers ongoing or known conditions within policy limits.
2. Which IMG plans cover the acute onset of pre-existing conditions?
Plans such as Patriot America Plus, Visitors Care (Lite, Plus, Platinum), Patriot America Platinum, Patriot International Platinum, and Patriot International Lite offer acute onset coverage for travelers under 70 years of age.
3. Which IMG plan offers coverage for pre-existing conditions?
The IMG Visitors Protect plan offers comprehensive coverage for both new and existing medical conditions, not limited to acute onset. It’s ideal for older travelers or those with known health conditions who may need medical care while visiting the U.S.
4. Which USA health insurance is best for people with pre-existing conditions?
IMG offers some of the best travel insurance options for visitors with pre-existing conditions:
- IMG Visitors Protect – Covers pre-existing conditions (not just acute onset) up to policy limits; available up to age 99.
- Patriot America Plus – Covers acute onset of pre-existing conditions up to the policy maximum for travelers under 70.
- Patriot America Platinum / Patriot International Platinum – Premium plans with higher coverage limits and acute onset protection.
These IMG travel insurance plans give visitors reliable medical coverage for both new and existing health conditions while in the USA.
5. Is there an age limit for pre-existing condition coverage under IMG plans?
Yes. Most IMG plans provide acute onset coverage for travelers under 70 years of age. However, the IMG Visitors Protect plan covers travelers up to 99 years old, with benefit limits based on age.
6. Are medical evacuations due to pre-existing conditions covered?
Yes, IMG plans that cover acute onset include emergency medical evacuation benefits, typically up to $25,000 if evacuation is required due to a sudden recurrence of a pre-existing condition.
7. Does IMG cover regular treatment or follow-up care for pre-existing conditions?
No. IMG plans do not cover routine treatment, follow-ups, or ongoing care for pre-existing conditions. Coverage applies only to emergency or unexpected episodes during travel.
8. How can I choose the best IMG plan for my pre-existing condition?
Your choice depends on your age, health status, and travel needs:
- For emergency-only protection Choose Patriot America Plus or Visitors Care.
- For broader pre-existing condition coverage Choose IMG Visitors Protect.
9. Which travel insurance covers pre-existing conditions for visitors to the USA?
The IMG Visitors Protect plan is one of the few travel insurance options that provides true coverage for pre-existing conditions, not just for acute onset. It covers ongoing or known medical issues within policy limits ideal for older travelers or parents visiting the U.S.
If you only need acute onset coverage, you can choose IMG Patriot America Plus, Patriot America Platinum, or Visitors Care, which cover sudden and unexpected flare-ups of pre-existing conditions for travelers under 70.
10. Does IMG cover pre-existing conditions for senior travelers?
Yes. The IMG Visitors Protect plan offers coverage for travelers up to 99 years old, including pre-existing conditions up to $25,000 (below age 69) or $20,000 (age 70 and above).
For seniors under 70 who want only acute onset protection, Patriot America Plus is a great choice.
11. What is the best travel insurance plan for pre-existing conditions?
If you want comprehensive protection, the IMG Visitors Protect plan is the best choice because it covers both new and pre-existing medical conditions.
However, if you only need coverage for a sudden recurrence of an existing condition, IMG Patriot America Plus or Patriot Platinum plans are excellent options.
12. Is there travel insurance that covers pre-existing conditions for parents visiting the USA?
- Yes. For parents under 70, Patriot America Plus is ideal as it covers the acute onset of pre-existing conditions up to the policy maximum.
- For older parents (70+), IMG Visitors Protect is the best option since it provides broader pre-existing coverage up to age 99.
13. What is the difference between acute onset and pre-existing condition coverage?
- Acute Onset Coverage: Covers only sudden, unexpected recurrences of a pre-existing condition (e.g., heart attack due to heart disease). Available in IMG Patriot America Plus, Visitors Care, and Patriot Platinum plans.
- Pre-Existing Condition Coverage: Covers ongoing and known conditions, even if treatment is required during travel. Available in IMG Visitors Protect plan.
14. Which IMG plan is best for frequent international travelers?
Frequent or long-term travelers who want global protection, including acute onset benefits, should consider Patriot Platinum or Patriot International Lite/Platinum, which offer high coverage limits and flexibility for multiple trips.
🤝 Why Choose IMG Travel Insurance for Pre-Existing Conditions on American Visitor Insurance?
American Visitor Insurance provides an easy and transparent way to compare IMG travel insurance plans that include coverage for pre-existing conditions — such as Visitors Protect and Patriot America Plus (for acute onset coverage). Travelers can use our side-by-side comparison tools to review plan benefits, exclusions, and prices to find the best option for their health needs and travel duration.
In addition, American Visitor Insurance offers a wealth of educational resources including FAQs, blogs, and forums designed to help travelers make well-informed decisions about pre-existing condition coverage.
Our licensed customer support team, with over two decades of experience in the travel insurance industry, is available across multiple U.S. time zones (East and West Coast) to assist with:
Choosing the right IMG plan for your health profile:
- Understanding how pre-existing condition coverage works.
- Helping with the online purchase process.
- Providing claims assistance if you need to use your plan while abroad.
With American Visitor Insurance, you get both trusted IMG plans and personalized expert support ensuring peace of mind for travelers with known health conditions.
🧾 Summary: Choosing the Best IMG Travel Insurance for Pre-Existing Conditions Coverage
IMG offers a range of travel medical insurance plans designed to meet the needs of travelers with existing health conditions. Whether you need emergency protection for a sudden flare-up or comprehensive coverage for ongoing medical issues, IMG has a suitable option.
Choosing the right IMG plan for your health profile:
- For pre-existing condition coverage, the IMG Visitors Protect plan offers broader protection, covering both new and known medical conditions even for travelers up to 99 years old.
- For acute onset of pre-existing conditions, plans like Patriot America Plus, Visitors Care, Patriot Platinum, and Patriot International Lite/Patriot America Platinum provide coverage for sudden, unexpected recurrences during travel.
With flexible policy maximums, worldwide protection, and options for every budget and age group, IMG travel insurance gives travelers and their families peace of mind when visiting the USA or traveling abroad.
