Visitors Protect Travel Insurance for Pre-Existing Medical Conditions
What Makes Visitors Protect the Best Insurance for Pre-Existing Conditions?
Most visitor insurance plans only provide “acute onset” benefits, offering very limited protection for travelers with existing health conditions. IMG’s Visitors Protect, offered on American Visitor Insurance, goes beyond this by providing true pre-existing condition coverage, giving peace of mind to international visitors who may need medical care for ongoing or chronic illnesses
- Comprehensive coverage for eligible pre-existing conditions
- Eligibility for older travelers, including those 70 years and above
- Access to the trusted UnitedHealth care PPO Network, one of the largest provider networks in the U.S.
- High medical benefit limits, offering strong financial protection during emergencies
- Telemedicine through CareClix and 24/7 medical support, ensuring help is always available
Who Should Choose Visitors Protect Insurance for Pre-Existing Conditions?
Visitors Protect is ideal for travelers who want reliable medical coverage in the United States, particularly those with pre-existing or chronic health conditions. Unlike most visitor plans that only cover sudden emergencies, Visitors Protect offers comprehensive pre-existing condition coverage, giving travelers peace of mind in case medical care is needed for an existing illness.
You can easily buy Visitors Protect online before your trip through American Visitor Insurance , ensuring you are covered from day one .
This plan is particularly ideal for :
- Parents visiting from India, China, UAE, UK, Europe, Canada, and other international locations who may have common chronic conditions like diabetes, high blood pressure, or heart issues
- Senior travelers who often need a plan that can handle age-related medical conditions and offer benefits even for ongoing or previously diagnosed health problems
- Long-term visitors staying 30 days to 12 months, including those staying with family, who may need dependable coverage for potential flare-ups or complications tied to existing medical conditions
Why does Pre-Existing Condition Coverage Matters in the USA?
Medical costs in the U.S. are among the highest in the world:
- A simple doctor visit can cost $150 to $300 or more without insurance.
- ER visit: $800 - $2,500
- Hospital stay (per day): $3,000 - $5,000
- Surgery: $10,000 - $50,000+
Note : Visitor Protect includes a $1,500 deductible per injury or illness (with the regular plan deductible waived) and provides pre-existing condition maximum limits of $25,000 for travelers up to age 69 and $20,000 for those aged 70 and older
What Pre-Existing Conditions Does Visitors Protect Travel Medical Insurance Cover?
Visitors Protect Travel Medical Insurance provides comprehensive coverage for a wide range of pre-existing conditions. Travelers seeking international visitor insurance for asthma, diabetes, high blood pressure, high cholesterol, or arthritis can rely on Visitors Protect, offered by American Visitor Insurance, for dependable protection.
The plan offers full coverage for eligible pre-existing conditions for travelers up to 99 years of age, giving peace of mind to seniors and anyone managing chronic health issues during international trips. With Visitors Protect, you can travel confidently knowing your existing medical conditions are supported in case of unexpected medical needs.
What Are the Exclusions for Pre-Existing Conditions Under Visitors Protect Insurance?
While Visitors Protect offers stronger benefits for pre-existing conditions than most visitor insurance plans, not every condition or situation is covered. Coverage depends on the plan’s official certificate, and certain limitations or exclusions may apply. In general, the following types of exclusions commonly apply to pre-existing condition coverage:
- Travel primarily for medical treatment
- Unstable or recently worsened conditions before departure
- Routine check-ups, preventive care, or maintenance medications
- Elective, experimental, or non-essential treatments
- Pregnancy, childbirth, or maternity-related care
- Mental health or psychological treatment
- Conditions that have waiting periods or special limitations
American Travel Insurance Reviews
Charlotte
"Appreciate all the help that you provided me. It really worked well and I was able to purchase the cover I was looking for."
Shelie
"I am pleased to say that your company is very professional in the field of Insurance."
Simon
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company."
Have Questions?
Need help understanding your policy?
Our Customer Service team is available 24x7, putting your needs first every step of the way.
Visitor Protect travel insurance for Pre-existing - FAQs
Yes, Visitors Protect includes benefits for eligible pre-existing conditions, up to the plan’s specified maximum limits based on age.
Coverage is typically up to $25,000 for travelers age 69 and under and up to $20,000 for ages 70 and older, with a $1,500 deductible per condition.
Pregnancy, childbirth, and maternity-related complications are generally excluded from coverage.
Only if related to a covered illness during the trip. Routine long-term maintenance is usually not covered.
Yes, but using the UnitedHealth care PPO network reduces costs.
No, it must be purchased before leaving the home country.
No. Pre-existing condition claims have a special $1,500 deductible, and the standard plan deductible is waived.
Yes, IMG Visitor Protect insurance provides coverage for arthritis and related joint conditions under its comprehensive pre-existing condition benefits, available for travelers up to age 99. Eligible treatment for arthritis flare-ups or complications is included, subject to the plan’s policy limits and deductible.
