What qualifies as a pre-existing condition for travel insurance?
An Illness, disease, or other condition of the Insured Person that in the twelve (12) month period before the Insured Person’s coverage became effective under this insurance: a) first manifested itself, worsened, became acute, or exhibited symptoms that would have caused a person to seek diagnosis, care, or Treatment; or b) required taking prescribed drugs or medicines, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or c) was Treated by a Physician or Treatment had been recommended by a Physician.
Acute on set of pre-existing conditionsShould you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition, this coverage provides necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment. Coverage is available for travelers under age 70, and maximum limits vary by plan and age.
To be eligible for the foregoing limited coverage and benefits for an acute on set of pre-existing condition , the insured person must be in a compliance with all terms of insurance. The company will provide such a coverage and benefits when the following conditions have been met. At the time of Acute on set of pre-existing condition.
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence.
- The insured person must be under 70 years of age.
- The insured must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider.
- The traveler must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition.
- The insured person must not be traveling during a period of time when the insured person is preparing or waiting for changed or modified treatment program with respect to pre-existing condition and is not traveling subsequent to any such new , changed or modified treatment program having been advised or recommended.
- The pre-existing conditions must have been stabilized for at least 30 days prior to the effective date without change in treatment.
- The insured person must be traveling outside your home country.
IMG plans offering best pre-existing insurance plans
Visitors Protect insurance
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Pre-existing conditions
- Visitors Protect insurance covers pre-existing conditions up to 99 years.
- This travel insurance cover pre-existing conditions up to $25,000 for people aged 69 and below. For those 70 and older, it covers up to $20,000, with a deductible of up to $1,500.
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Eligibility
- Provides coverage for individuals and families traveling from their home country to the U.S., Canada, and Mexico.
- Available for ages 14 days to 99 years.
- 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.
- Minimum purchase is 90 days.
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Co-insurance
- In-Network: Plan pays 75% up to the policy maximum
- Out of Network: Plan pays 60% up to the policy maximum
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Renewability
- This plan is available for 90 to 364 days and can be renewed for up to 364 days.
Visitors Care insurance
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Acute Onset of Pre-existing conditions
Vistors care insurance covers acute on set of pre-existing conditions up to 70 years
- Visitors Care Lite: Covers up to $25,000 maximum for coverage period
- Visitors Care Plus: Covers up to $50,000 maximum for coverage period
- Visitors Care Platinum: Covers up to $100,000 maximum for coverage period
Pre-existing medical evacuationIf you need to be urgently evacuated for medical reasons due to a pre-existing condition, it covers up to $25,000 for the emergency evacuation.
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Eligibility
- It is an affordable plan for visitors visiting the US.
- Covers individuals aged 14 days to 99 years ( Pre-existing conditions are covered only for individuals up to 70 years old).
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Coinsurance
- In –network: Plan pays fixed amount.
- Out of network: Plan pays fixed amount.
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Renewability
- This plan is available from 5 days to 364 days and it can be 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.
Patriot America Plus insurance
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Acute on set of pre-existing conditions:
- This coverage applies if a pre-existing condition suddenly worsens.
- It covers up to the policy's maximum limit, as long as the insured person is under 70 years old.
If you need to be urgently evacuated for medical reasons due to a pre-existing condition, it covers up to $25,000 for the emergency evacuation.
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Eligibility
- Available for Non US residents traveling to USA.
- 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 also eligible for this plan.
- Covers individuals aged 14 days to 99 years ( Pre-existing conditions are covered only for individuals up to 70 years old).
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Coinsurance
- In the PPO Network: Plan pays 100%
- Outside the PPO Network: Plan pays 90% of eligible expenses up to $500, then 100% up to the maximum Limit.
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Renewability
This plan is available from 5 days to 364 days and it can be renewable up to 2 years.
Patriot America Platinum insurance
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Acute Onset of Pre-existing conditions
- This coverage applies if a pre-existing condition suddenly worsens.
- It covers up to the policy's maximum limit, as long as the insured person is under 70 years old.
If you need to be urgently evacuated for medical reasons due to a pre-existing condition, it covers up to $25,000 for the emergency evacuation.
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Eligibility
- Available for Non US residents traveling to USA.
- 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 also eligible for this plan.
- Covers individuals aged 14 days to 99 years ( Pre-existing conditions are covered only for individuals up to 70 years old).
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Coinsurance
- In the PPO Network: Plan pays 100%
- Outside the PPO Network: Plan pays 100% up to the maximum Limit.
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Renewability
This plan is available from 5 days to 364 days and it can be renewable up to 3 years .
Patriot International Lite insurance
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Acute onset of a pre-existing condition
- For Us citizens: Up to policy maximum for age up to 64 with primary health plan, $20,000 without. Ages 65-69: up to $2,500 maximum..
- For Non US citizens: Age 69 and under, up to the period of coverage limit or $1,000,000 (whichever is lower).
If you need to be urgently evacuated for medical reasons due to a pre-existing condition, it covers up to $25,000 for the emergency evacuation.
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Eligibility
- Available for both US and Non US citizens traveling outside USA.
- Covers individuals aged 14 days to 99 years ( Pre-existing conditions are covered only for individuals up to 70 years old).
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Coinsurance
This plan pays 100%.
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Renewability
This plan is available from 5 days to 364 days and it can be renewable up to 24 months.
Patriot International Platinum insurance
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Patriot Platinum insurance - Acute Onset of Pre-existing conditions
- This coverage applies if a pre-existing condition suddenly worsens.
- It covers up to the policy's maximum limit, as long as the insured person is under 70 years old.
If you need to be urgently evacuated for medical reasons due to a pre-existing condition, it covers up to $25,000 for the emergency evacuation.
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Patriot Platinum insurance - Eligibility
- Available for both US and Non US citizens traveling outside USA.
- Covers individuals aged 14 days to 99 years ( Pre-existing conditions are covered only for individuals up to 70 years old).
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Patriot Platinum insurance - Coinsurance
The plan pays 100%
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Patriot Platinum insurance - Renewability
This plan is available from 5 days to 364 days and it can be renewable up to 3 years .
Visitors Preferred insurance
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Visitors Preferred insurance - Acute Onset of Pre-existing conditions
- This coverage applies if a pre-existing condition suddenly worsens.
- It covers up to the policy's maximum limit, as long as the insured person is under 70 years old.
If you need to be urgently evacuated for medical reasons due to a pre-existing condition, it covers up to $25,000 for the emergency evacuation.
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Visitors Preferred insurance - Eligibility
- Available for Non US residents traveling to USA.
- 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 also eligible for this plan.
- Covers individuals aged 14 days to 99 years ( Pre-existing conditions are covered only for individuals up to 70 years old).
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Visitors Preferred insurance - Coinsurance
- In Network: The plan pays 100%.
- Out of Network: The plan pays 80% of eligible expenses, insured pays 20%.
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Visitors Preferred insurance - Renewability
This plan is available from 5 days to 364 days and it can be renewable up to 2 years.
How much does IMG pre-existing condition travel insurance cost In 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.
How much does IMG travel insurance for pre-existing conditions cost in Outside 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 |
IMG travel insurance reviews
I use IMG for almost every travel in the US and am now also using them for international travel. I've only ever had great experiences, the prices are phenomenal and the ease of signing up is unbeatable.
Diane
I have been purchasing international travel policies with IMG for many years. It's easy to apply and the customer service has always been excellent.
Rod
I have actually used my coverage in 2023 when traveling to Bangkok and was hospitalized with pneumonia. Everything was taken care of with no surprises. I won't travel internationally without IMG.
Sarah
IMG pre-existing insurance - FAQ's
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.
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.
Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.
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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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 |
Why Sould I Buy IMG Travel Insurance from American Visitor Insurance?
At American Visitor Insurance, travelers can:
- Compare all IMG plans side-by-side.
- Review detailed brochures and pre-existing condition wording.
- Get help choosing between acute onset vs limited pre-existing plans.
- Purchase and renew online instantly.
- Access 24×7 customer support for claims or emergencies.
What are the benefits of travel insurance for acute onset of pre-existing conditions?
IMG Schengen visa letter
After the purchase of Schengen Visa travel insurance a letter required by the Schengen consulates can be obtained.
Click here to read more »How do I file a claim with IMG insurance?
To file a claim with IMG Insurance, follow these steps:
- Download the Claims Form: Access the IMG insurance claims form online.
- Contact Customer Support: Call the toll-free number 1-800-628-4664 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333.
- Email Assistance: For additional help or inquiries, email customercare@imglobal.com.
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