INF Full Pre-existing vs Acute Onset of Pre-existing Conditions visitors insurance for USA
What is the difference between Acute Onset coverage and Full Pre-existing condition coverage?
Traveling abroad with a history of pre-existing medical conditions? Understanding the differences between Full Pre-Existing Condition Coverage and Acute Onset of Pre-Existing Conditions is important while choosing the right INF travel medical insurance plan for your needs.
| Full Pre-existing Condition Coverage | Acute Onset of Pre-existing Conditions Coverage | |
|---|---|---|
| Definition | Covers all eligible medical expenses related to your pre-existing medical condition(s) without requiring them to be sudden or unexpected. | Covers only sudden, unexpected, and life-threatening flare-ups of pre-existing conditions. It does not cover routine treatment, medication refills, or slow progression. |
| Example | You have diabetes. You need insulin refills, routine checkups, or hospitalization due to a gradual complication - these can be covered. You have hypertension and develop kidney complications - still covered, even if the complication develops slowly over time. |
You have asthma. A sudden severe asthma attack occurs while traveling - covered. You have high blood pressure and suddenly suffer a stroke - covered. But if your blood pressure is gradually increasing and you need medication adjustments - not covered. |
| Covers gradual worsening | Yes | No |
| Covers routine medication | Yes | No |
| Covers sudden, unexpected flare-up | Yes | Yes |
| Premium cost | Higher | Lower |
| No “sudden onset” restriction — chronic, ongoing, and progressive conditions are covered. Benefits and limits depend on the policy maximum and deductible you choose. Often comes with higher premiums because the insurer is taking on more predictable risk. |
Must be unexpected — not something your doctor advised you to treat before travel. Usually requires you to seek treatment within a certain time frame after symptoms appear (e.g., within 24 hours). Generally cheaper premium than “Full Pre-existing” coverage. |
|
| Plan | INF Premier X insurance, INF Elite X insurance, INF Elite X 90 insurance, INF Elite Plus X insurance, Premier Plus X insurance (Both offer options for full pre-existing condition coverage, depending on the plan option and the age.) |
SafeVista Comprehensive insurance |
At AmericanVisitorInsurance we help visitors to US decide between acute onset and full pre-existing condition coverage by providing side-by-side plan comparisons, detailed definitions, and clear explanations of what each INF US travel insurance for pre-existing conditions offers. Specific plans (such as INF Elite X insurance or INF Premier:) are suggested as options if full pre-existing coverage is required. Peace of mind for high-risk travelers especially if the travelers have chronic conditions like diabetes, heart disease, or require regular medical management, full pre-existing coverage in INF travel insurance for USA eliminates financial risk from ongoing care or complications.
What is the best travel insurance for pre-existing-conditions?
INF Premier X insurance Fixed benefit
Coverage type Full Pre-Existing conditions
- Full Pre-existing condition coverage :
Age 0 - 69 :
Option 1 : provides a maximum benefit ranging from $20,000 to $150,000 with a $1,000 deductible
Option 2 : offers $40,000 to $200,000 with a $5,000 deductible, with limits varying by the policy maximum.
Ages 70–99
Option 1 :provides a $15,000 maximum benefit with a $1,000 deductible,
Option 2 : provides a $25,000 maximum benefit with a $5,000 deductible. - Travel health insurance for visitors to USA with pre-existing conditions, up to 99 years old
- Coinsurance: After deductible, pays 100% of the usual and customary charges
- Direct Billing: United HealthCare
- Maternity:Covers emergency medical treatment for pregnancy
- Emergency medical evacuation: Up to $85,000
- Urgent Care : $25 copay 90 days after the date of Covered Accident
- Renewable: Can be renewed and extended up to 364 days
- Repatriation of Remains: Up to $30,000
Policy maximum?
$100,000, $150,0000, $300,000, $500,000, $1,000,000Deductible options?
$75, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
90 days to 364 days
INF Premier X Plus insurance Fixed benefit
- INF Premier Plus X insurance is a robust fixed-benefit plan offering up to $300,000 in medical coverage for ages 0–69, along with preventive care, maintenance benefits, and an annual wellness visit.
- Full Pre-existing condition coverage options :
Ages 0 to 69 years:
Choose a pre-existing condition coverage limit of $50,000 with a $1,000 deductible, or $100,000 with a $5,000 deductible. - Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Period of Coverage: Minimum purchase from 90 days to 364 days.
Policy maximum?
Ages 0–69: $300,000Deductible options?
$75, $100, $250, $500, $1,000, $2,500, $5,000Maximum age limit?
Up to 69 years
INF Elite X insurance Comprehensive benefit
Coverage type Full Pre-existing condition
- Full Pre-Existing Conditions: For ages 0–69, pre-existing condition coverage offers maximum benefit options of $25,000, $30,000, $40,000, or $50,000, subject to a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000. For ages 70–99, the maximum benefit is $20,000, subject to the same deductible options.
- Best health insurance for visitors to USA with pre-existing conditions, up to 99 years old
- Coinsurance: In-network: After deductible, pays 80%
Out-of-network: After deductible, pays 60% of usual, reasonable & customary charges - Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Up to $25,000
- Maternity: Covers emergency medical treatment of pregnancy
- Urgent Care : Covered with $50 copay
- Renewable: Can be renewed and extended up to 364 days
- Repatriation of Remains:Up to $20,000
Policy maximum?
$150,0000, $300,000Deductible options?
$500, $1,000, $2,500, $5000Period of coverage?
90 days to 364 days
INF Elite X 90 insurance Comprehensive benefit
- INF Elite 90 is ideal for travelers who want 90% in-network coverage, full pre-existing condition benefits, and added conveniences like telemedicine for quick, remote medical consultations.
- Full Pre-existing condition coverage options :
Ages 0 to 69 years:
Choose a pre-existing condition coverage limit of $25,000, $30,000, $40,000, or $50,000 with a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000. Ages 70–99 years:
Choose a pre-existing condition coverage limit of $20,000 with a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000. - Coinsurance: In-network pays 90% of eligible expenses; Out-of-network pays 90% of usual, reasonable & customary charges
- Period of Coverage: Minimum purchase from 90 days to 364 days.
Policy maximum?
Ages 0–69: $150,000, $250,000, $300,000, $500,000, $1,000,000.
Ages 70–99: $75,000Deductible options?
$100, $250, $500, $1,000, $2,500, or $5,000Maximum age limit?
Up to 99 years
INF Elite X Plus insurance Comprehensive benefit
- INF Elite Plus X is ideal for travelers looking for a premium plan with full pre-existing condition coverage, preventive care, maintenance benefits, annual wellness visits, and VIP services for added comfort.
- Full Pre-existing condition coverage options :
Ages 0 to 69 years:
Choose a pre-existing condition coverage limit of $25,000, $30,000, $40,000, or $50,000 with a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000. Ages 70–99 years:
Choose a pre-existing condition coverage limit of $20,000 with a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000. - Coinsurance: In-network pays 90% of eligible expenses; Out-of-network pays 90% of usual, reasonable & customary charges
- Period of Coverage: Minimum purchase from 90 days to 364 days.
Policy maximum?
Ages 0–69: $150,000, $250,000, $300,000
Ages 70–99: $75,000Deductible options?
$100, $250, $500, $1,000, $2,500, or $5,000Maximum age limit?
Up to 99 years
SafeVista Comprehensive insurance Comprehensive plan
Coverage type Acute on set of Pre-existing condition
- Acute on set of pre-existing conditions: Covered up to the policy maximum for ages up to 99 years, except for cardiac conditions (angina, heart attacks, and stroke), which have a maximum coverage of $25,000 for individuals under age 70 and $15,000 for those aged 70 and above.
- Coinsurance: In-network pays 80% of eligible expenses; Out-of-network pays 50% of usual, reasonable & customary charges
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Up to $25,000
- Repatriation of remains: Up to $10,000
Policy maximum?
Ages 0–69: $100,000, $250,000, $500,000 or $1,000,000.
Ages 70–99: $100,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, or $5,000Period of coverage?
10 days to 364 daysMaximum age limit
Up to 99 years
How much does INF Pre-existing travel insurance cost?
The cost of INF pre-existing travel insurance starts at $158 per month. The price may vary depending on the traveler’s age, policy maximum, deductible, and travel duration..
In this table SafeVista Comprehensive rates are based on a monthly basis, while all other plan rates are based on a 90-day period with a $250 deductible applies to all plans, except for Elite Plus, which has a $500 deductible.
| Plan Name | Medical maximum | Age 50 | Age 60 | Age 70 | Age 80 to 99 |
|---|---|---|---|---|---|
| SafeVista Comprehensive insurance | $100,000 - $1,000,000 | $158 - $225 | $215 - $247 | $320 | $789 |
| Premier X insurance | $100,000 - $1,000,000 | $377 - $580 | $405 - $623 | $1,088 | $1,641 |
| Premier Plus X insurance | $300,000 | $1,150 | $1,190 | Not Available | Not Available |
| Elite X insurance | $150,000 - $1,000,000 | $962 - $1,033 | $1,369 - $1,473 | $3,268 | $4,194 |
| Elite 90 X insurance | $150,000 - $1,000,000 | $1,112 - $1,195 | $1,584 - $1,705 | $3,786 | $4,861 |
| Elite X Plus insurance | $150,000 - $1,000,000 | $1,481 - $1,560 | $1,863 - $1,977 | $3,646 | $4,788 |
INF Visitor Insurance Plans Covering Pre-Existing Medical Conditions For Travel To The USA?
I am traveling to the USA and have pre-existing medical conditions. What INF visitor insurance plans are available that cover medical emergencies related to pre-existing conditions?
Thank you,
Koen
Thank you for contacting about your insurance needs! Remember that visitor plans are only for unexpected medical problems while a person is traveling outside their home country. They do not cover regular, required treatment or medications. The plans in this email will cover emergencies whether they are due to a pre-existing condition or not. If a condition is very stable (past 24 months there have been no change in medications or flare ups), then the coverage is the normal maximum and deductible you chose. If there has been some change or flare up recently, then the coverage is limited to the "pre-existing" maximum and a higher deductible (you can choose it for some policies).
The first plan is a fixed plan offered by INF. If you are charged more than what they pay, then you must pay the difference. However, the plan is available for persons ages 90+ up to a maximum of $100,000 with a deductible of $250 or $500. It includes $20,000 for emergency medical evacuation and uses the Firth Health Network. However, the plan is good at any doctor or hospital. The plan also covers COVID-19 as any other illness (unless you are already sick). It is also available for green card holders and US citizens that have a valid residence address outside the US. The plan offers coverage in the US, Canada, and Mexico. This plan must be purchased for at least 90 days the first time it is purchased and then can be renewed for whole months after that.
This plan will cost $1195 for 90 days of coverage with a $100,000 maximum and a $250 deductible.
For all information about the plan, go here:
INF Premier X
The one more option below is comprehensive plan which offer better, more complete coverage.
INF Elite offered by INF is another good option to have coverage for pre-existing medical conditions. This plan is an 80/20 plan (they cover 80% after the deductible). The pre-existing conditions are subject to a higher deductible and lower maximum. There is also an INF Elite 90 plan which is a 90/10 plan available that is more expensive.
This plan will cost $3197 for 90 days with a $75,000 maximum and a $250 deductible.
To see the information on the plan, use this link:
INF Elite X
If you have any further questions or concerns, please do not hesitate to contact us.
Sincerely,www.americanvisitorinsurance.com
Customer care
(877) 340 7910
