IMG visitors insurance for pre-existing conditions

Compare and buy IMG visitors insurance for pre-existing conditions travel insurance

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General definition of pre-existing condition

"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

Acute onset of pre-existing condition

Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

Look back period The look back period for a policy determines whether you have a Pre-Existing Condition. It is the period of time that the insurance provider looks back to see if there has been any changes in a medical condition.

What does visitor travel insurance cover?

medical expensesHealth care expenses
Covers hospital expenses for sickness or accidents.
doctor visitDoctor visit
Insures Doctor visits for sudden injury or sickness.
pharmacy drugsPharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
pre-ex conditionPre-existing conditions
Some plans insure acute onset of pre-existing conditions.
medical evacuation Medical evacuation
Medical evacuation expenses to nearest facility included.
repatriation of remains Repat of remains
Repatriation of remains to home country included.

IMG plans offering best Pre-existing insurance plans

  • Visitors Care insurance Eligibility
    • Non US citizens travelling outside their home country.
    • For visitors over 65 years of age and visiting the US the initial period of coverage must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
  • Acute Onset of Pre-Existing Conditions
    • Lite: $25,000 max per coverage period (subject to sub-limits)
    • Plus: $50,000 max per coverage period (subject to sub-limits)
    • Platinum: $100,000 max per coverage period (subject to sub-limits)

    Pre-Existing condition medical evacuation
    • Emergency Medical Evacuation (arises or results directly or indirectly from ta covered acute onset of a pre-existing condition): $25,000 max per period of coverage
  • Renewability
    • Renewable for a total of up to 2 years unless there is a break in coverage. A policy period cannot be more than 12 months. $5 renewing will be charged in addition to the premium costs.
  • Visitors Care Insurance International Emergency Care
    • Emergency Evacuation
      Visitors Care Lite, Plus & Platinum - $25,000
    • Return of Mortal Remains or Cremation/Burial
      Up to $7,500 for Return of Mortal Remains or $5,000 for Cremation/Burial.
  • Visitors Care Insurance Special Coverage
    • Incidental Home Country Coverage
      During the plan life, the insured traveler may return to his/her home country for incidental visits up to a cumulative of 2 weeks total.
    • Common Carrier Acciental Death Coverage
      $25,000.
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $25,000 - $100,000 Price range: $ 23.10 - $50.10 Buy now

Patriot America Plus

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  • Patriot America Plus insurance Eligibility
    • Non US citizens travelling to the USA.
    • International travelers requiring continuing coverage.
    • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
    • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
  • Patriot America Plus travel insurance coverage for Acute onset of a pre-existing condition
    • Under 70 years of age
      • Up to period of coverage maximum limit.
    • Acute onset of a pre-existing condition - Emergency medical evacuation
    • Under 70 years of age
      • Up to period of coverage maximum limit.
    • Acute onset of a pre-existing condition - Emergency medical evacuation
  • Patriot America Plus Travel insurance optional riders
    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider
  • Coinsurance of IMG Patriot America Plus Insurance
    • For treatment received outside the U.S : No coinsurance.
    • For treatment received within the U.S :
      • In the PPO Network: The plan pays 100%.
      • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $50,000 - $1,000,000 Price range: $90 - $170 Buy now

Patriot International Lite

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  • Eligibility to buy Patriot International Lite insurance
    • People outside their home country whose destination excludes the United States or its territories.
    • This plan can be renewed up to 24 months.
  • Patriot International Lite insurance coverage for Acute onset of a pre-existing condition
    • Covers up to maximum limit, under the age of 70 years.
    • Acute onset of a pre-existing condition - Emergency medical evacuation
    • Up to $25,000 maximum limit for up to age 70.
  • Renewability - Patriot International Lite insurance renewability
    • Patriot International Lite insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
    • Prior to the end of each period of coverage purchased, you will receive renewal information.
    • You have the option to renew online or you may complete a paper renewal form.
    • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.
  • Patriot International Lite Travel insurance optional riders
    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $50,000 - $1,000,000 Price range: $63.75 - $85.88 Buy now
  • Eligibility to buy insurance
    • Patriot International Platinum Insurance Eligibility
      • offers coverage for Non US citizens travelling outside their home country.
      • For visitors under 65 years of age and visiting USA, their initial period of coverage must be within 6 months of arrival in the United States. For visitors over 65 years of age it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
      • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
    • Patriot Platinum America Insurance Eligibility
      • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
      • US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum America Insurance
  • Acute Onset of Pre-Existing Conditions
    • Up to the maximum limit.(Insured person must be under 70 years of age)
      • United States citizens
        • Age 64 and under without a primary health plan: Maximum limit: $20,000
        • Age 64 and under with a primary health plan: Maximum limit: $1,000,000
        • Age 65 through age 69: Maximum limit: $2,500
      • Non-United States citizens
        • Age 69 and under: Up to the period of coverage limit or $1,000,000 (whichever is lower)
    Pre-Existing condition medical evacuation
    • $25,000 maximum limit for emergency medical evacuation
  • Renewability - Patriot Platinum insurance renewability
    • Patriot Platinum insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 36 continuous months.
    • Prior to the end of each period of coverage purchased, you will receive renewal information.
    • You have the option to renew online or you may complete a paper renewal form.
    • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.
  • Coinsurance of IMG Patriot Platinum Insurance
    • For treatment received outside the U.S. & Canada: No coinsurance.
    • For treatment received within the U.S. & Canada:
    • In the PPO Network: The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
    • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Patriot Platinum Travel insurance optional riders

    The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

    • Adventure Sports Rider
    • Chaperone/Faculty Leader Replacement Rider
    • Accidental Death & Dismemberment
    • Bolt Device Protection (Cellular Phone Rider)
    • Trip Cancellation, Interruption and Travel Delay Rider
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $2,000,000 - $8,000,000 Price range: $199.12- $334.50 Buy now

IMG Pre-existing Insurance - Frequently Asked Questions

Which are ideal plans offering pre-existing conditions cover for senior citizens?

Sudden and Unexpected Recurrence of a Pre-existing Condition coverage offered by these plans
Patriot Platinum: $2,500 lifetime maximum.

Visitors CareThis plan offers acute on set of pre-existing coverage up to the plan maximum under 70 years.

What is acute onset of pre-existing condition?

Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

Does Patriot America Plus Insurance cover pre-existing conditions?

Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

Can you get travel insurance if you have a pre-existing condition?

Absolutely, yes! Travel insurance is meant to cover you in the unlikely event of a sudden illness or accident while you are on your trip. Even if you have a pre-existing condition that complicates treatment, that is not relevant to the coverage for an unexpected illness or injury.

Naturally, your pre-existing conditions themselves are excluded from coverage, so you should pack as much medication as you will comfortably need for your trip.

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IMG Insurance Restrictions

IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine

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