Best travel insurance for pre existing conditions
When it comes to finding the best visitor insurance with pre-existing conditions coverage in the USA, it is important to consider several factors such as coverage limits, benefits, premiums, and the insurer's reputation. Here are some tips to find the best health insurance for visitors to USA with pre-existing conditions:
- Pre existing medical travel insurance comparison: It is important to compare the best visitors insurance pre-existing coverage plans on American Visitor Insurance as we specialize in US visitors insurance plans. We can help you navigate through different policies, explain the benefits and exclusions and find the best travel insurance for pre-existing conditions.
- Check best visitor insurance for pre-existing conditions: Read the policy details carefully to ensure that pre-existing conditions are covered. Some policies may offer limited coverage or coverage only for acute onset of existing ailment or require a waiting period before they provide benefits for pre-existing conditions.
- Assess coverage limits and benefits: Evaluate the maximum coverage limits offered for different medical services, including hospitalization, emergency care, doctor visits, and prescription medications. Also, check if the policy covers medical evacuation and repatriation.
- Consider deductibles and co-pays: Take note of the deductibles and co-pays associated with the policy. Higher deductibles may result in lower premiums, but you'll need to pay more out-of-pocket before the coverage kicks in.
- Research reputable insurers: Look for established US insurance providers and AM ratings for a good track record of customer satisfaction and reliable claim settlement.
- Read reviews and customer experiences: Read the American Visitor Insurance reviews and testimonials from other customers who have used the insurance provider. This can provide insights into their claim settlement process and overall customer satisfaction.
Pre-existing conditions visitors insurance
Tips for travelers with pre-existing conditions
Here are some travel insurance tips for travelers with pre-existing conditions
- Choose a travel medical insurance with pre-existing conditions coverage.
- Read the policy carefully to understand what is covered and what is not.
- Be aware of look back period for coverage of pre-existing conditions.
- Consider buying an US travel health insurance plan with higher medical coverage.
- Keep a copy of your medical records and list of medications when you travel.
- Take your Doctor's prescription and medications during your trip.
- Learn how to access healthcare at your destination.
- Contact your US traveler insurance provider immediately in case of a medical emergency.
- Disclose all pre-existing conditions when purchasing visitor health insurance.
- Follow all procedures while submiting a claim.
What is visitors insurance for pre-existing conditions?
There are many health insurance for us visitors options for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a pre-existing conditions, as well as specifying a limit to this coverage.
Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for an acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. This typically includes emergency medical treatment, hospitalization and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.
How does travel insurance for pre-existing conditions work?
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.
Factors to consider while purchasing visitors health insurance for pre existing conditions?
The following are important factors for buying travel insurance for pre-existing conditions
- The definition of pre-existing conditions and the look back period under the policy.
- The eligibility age limit for pre-existing conditions coverage.
- Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
- The coverage limit for pre-existing conditions which is different from the policy medical maximum.
- The deductible and out of pocket expenses for pre-existing conditions coverage.
Why is health insurance for travel to USA with pre-existing conditions coverage important?
Traveling anywhere outside worldwide is supposed to be an eye opening, special and a relaxed trip experience. Traveling with a health condition brings in more challenges in order to get covered for the unexpected medical expense in case of odd surprises during the trip. This calls out for an insurance plan that covers the pre-existing conditions that will relieve the unnecessary stress of taking extra care of yourself during your most memorable travel experience.
The plans also will be expensive considering the risks involved to cover pre-existing conditions. Many of the travel insurance plans exclude pre-existing conditions. At American Visitor Insurance we offer plans that cover acute onset of pre-existing conditions as well as some cover full pre-existing conditions.
Pre-existing conditions coverage - FAQ's
01. How do I know if my pre-existing condition is covered by travel insurance?
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.
Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.
The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.
The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
02. What does full coverage for Pre-Existing Conditions mean?
INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.
03. What does "acute onset of pre-existing conditions" mean?
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.
The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
04. What is the difference between Full Pre-Existing & Acute Onset Insurance?
Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
05. What are the limits of Full Pre-Existing plans under INF travel insurance?
Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.
06. Do INF travel insurance plans really cover all pre-existing conditions?
Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans.
07. Why are Full Pre-Existing plans more expensive than other visitor medical insurance usa plans?
The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.
08. What services are covered under best travel insurance for usa visitors with full pre-existing coverage?
The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders
Travel insurance for acute onset of pre-existing conditions
Travel Insurance for Pre-existing - FAQ's
01. Which travel insurance covers Asthma?
Travel insurance is coverage only for unexpected medical expenses while you are on a trip away from home. Some companies offer coverage for what they call "acute onset" of a pre-existing condition (excluding chronic or congenital disorders). This would be a life or life-style threatening situation that cannot wait to be taken care of when the trip is over.
It must be "acute" meaning that it came on suddenly and needs to be taken care of quickly (defined as within 24 hours of symptom onset). A "pre-existing condition" does not necessarily have to have been previously diagnosed. If it is reasonable to assume that this condition started in the patient before the start date of the insurance, then it will be considered pre-existing to the policy. Note that the exclusion for chronic (conditions that worsen over time) and congenital (conditions a person is born with) limit greatly the application of this exception.
If Asthma is not considered chronic, then an emergency due to Asthma could be covered by a policy which covers at least "acute onset" of pre-existing conditions. If a person requires regular medication and/or doctor visits for their asthma, this will NOT be covered and will have to be paid by the insured completely out of pocket.
Note that in the US, the same medications can differ widely in costs depending on the pharmacy you use and some medications (generally generics) for common illnesses can be purchased for $40 per month at the Walmart pharmacy (although there may be long wait times). Also, some drug companies have special "coupons" available online for some of their drugs. There are often "discount cards" available at pharmacies and other stores for prescriptions that are free to use.
These are all resources your visitor can use to avoid paying full price for costly required medications should they run out while they are in the US. Other countries may not require a prescription and may not be as costly to obtain. Having a prescription with you, however, may be a good idea to ease getting the medication and show authorities you are allowed to have it (in the case of regulated substances which can vary country to country).
02. Do I need to declare Arthritis on travel insurance? Do I have to declare Rheumatoid Arthritis on travel insurance?
No. When you purchase any of our travel insurance plans, they offer guaranteed coverage with no medical questions. However, be aware that they all exclude pre-existing medical conditions. So, please take any medications you use regularly or for flare ups of your conditions since these will not be covered by travel insurance. As far as I know, Arthritis cannot lead to a life-threatening situation, so will be excluded from coverage by short-term travel policies.
If you are a frequent traveler and want major medical coverage in any country to which you travel, you can opt for global medical policies which will (after the first year, generally) cover all aspects of health costs.
You can Compare and buy Global health insurance policies. To apply for these policies, you will have to reveal your entire medical history and you are not guaranteed coverage.
The application must go through underwriting and you can be approved, rejected, or approved with exclusions. In any case, you can opt out of the policy 10 days from your approval for no cost to you or simply reject the exclusions they require on the policy. Note that these policies are best for people who want health insurance for a whole year, or better, longer.
Once you are approved on the plan, you are guaranteed coverage year after year and the price is determined by your age group, not your individual medical history. So, in the case of a global medical insurance application, you would have to declare your Arthritis on the application and you may or may not be covered for that illness by the policy they offer you.
03. 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.
05. Is OsteoArthritis a pre-existing condition?
Yes. Any medical condition you have been diagnosed with or are being treated for will be considered pre-existing to a new travel policy. If you take regular medication for your condition, this will not be covered by the policy. However, should you, for example, have an accident and break a bone, this would be covered even if your condition may have made you a little more vulnerable to the break (unless you were being particularly reckless).
Accidents are generally always covered (car accidents are more complicated because if you were not at fault, the driver's insurance may cover part of your injuries) unless caused by intoxication. So, even if you have OsteoArthritis or some other pre-existing condition, you are still eligible for coverage by a travel insurance policy which will protect you from sudden illness or accident/injury while you are on your trip.
06. Which travel insurance covers heart attack?
This is a tough question. And, unfortunately, the answer depends on where you are traveling to and from.
For people that are traveling to the US from abroad:
As a broker, I am not a medical professional, so I can only tell you this from the insurance side of the question. Generally speaking, the most common cause for heart attack as I understand it is due to plaque build up in the person's arteries.
Since that build up happens slowly, over time, I think it's fair to say that it would NOT be covered by any travel health insurance. This is because travel health insurance excludes pre-existing conditions from any coverage (even emergency coverage if they are chronic or congenital). So the answer for the common cause of heart attacks is NO. So, foreigners run a risk (hopefully a small one) when traveling here.
Health insurance can still help with costs of accidents and other unexpected illnesses while on vacation. However, the answer is be different for people who are US residents traveling abroad. US residents can purchase trip cancellation plans and some of those waive the pre-existing condition exclusion IF you purchase them within a short time of your initial trip deposit (that is the earliest date you pay for any portion of your trip).
Check out trip cancellation plans. Notably, the GeoBlue student and travel plans also waive the pre-existing condition exclusion for people who had creditable prior insurance coverage, and these plans are only available to US residents with US domestic coverage. And, for travel plans for US residents going abroad, some, like the Safe Travels Outbound plans, will cover pre-existing conditions IF they have been stable in the last 6 months (meaning there have been no changes, episodes, or changes to medication in that time frame). You can Compare Safe Travels Outbound Insurance plans.
07. Is Arthritis covered by insurance?
No. Travel health insurance is meant to cover a sudden illness or accident, such as you get a stomach flu or you twist or break your ankle. Since Arthritis is not a life-threatening illness, it will not be covered by a short-term travel plan. Should you require regular medications or ointments, you should bring them or purchase ointments available in the visiting country for your condition.
Some countries may not require prescriptions to purchase medications. However, you should be cautious in using a new medication since there may be side-effects of concern. You may want to stick to what you know or consult with your own physician if you can.
08. Do travel insurances cover pre-existing conditions?
Yes, INF is one company that offers travel insurance for pre-existing conditions. Some other US travel insurance providers offer travel insurance for acute onset of an pre-existing ailment. The INF Elite and INF Premier travel plans provides greater flexibility for coverage of pre-existing conditions.
09. Which policy covers pre-existing diseases?
The following travel insurance plans cover acute onset of pre-existing conditions:
- Atlas travel plan from World trips
- Visitors Protect plan from IMG
- Patriot America Plus plan from IMG
- Travel Medical Choice plan from Seven Corners
- Travel Medical Basic plan from Seven Corners
- Safe Travels USA plan from Trawick International
- Safe Travels USA Comprehensive plan from Trawick International
- Safe Travels Elite plan from Trawick International
- INF Premier plan from INF
- INF Elite plan from INF
- INF Elite Plus plan from INF
- INF Elite 90 plan from INF
- VisitorSecure Insurance plan from World trips
10. What counts as a pre-existing condition for travel insurance?
A pre-existing condition is an existing condition/illness that exists at the time of application of the travel insurance, whether or not it has been treated and diagnosed or disclosed to the company, and any of or all of the subsequent complications or consequences related to or resulting from the ailment.
11. Which medical condition affect travel insurance?
Mental and Nervous disorders, maternity and newborn care, preventive care, chronic illness which cannot be cured, for instance, Alzheimer's, Parkinson's disease, pre-existing conditions except for sudden recurrence of the pre-existing conditions are some of the medical conditions that the travel insurance completely excludes from coverage.
12. Is there a waiting period for pre-existing conditions?
Travel Insurance plans do not specify anything about the waiting period, but some plans have a look back period for coverage for pre-existing conditions. Most travel insurance plans only cover the acute onset of pre-existing conditions with INF being the exception which offers coverage for Pre-existing conditions up to the defined limit with their INF Premier and INF Elite travel insurance plans.
US Student medical insurance plans which are useful for international students coming to the US for higher studies however do provide a waiting period of 6 months to one year which varies from one plan to another.
13. Can I exclude a medical condition from travel insurance?
Travel Insurance plans provide coverage for unexpected sickness and injury. They provide benefits to cover emergency medical evacuation and repatriation. Apart from this, they provide coverage for the acute onset of pre-existing conditions. If there is a medical condition that you do not need any coverage for, then yes, you can still purchase travel insurance for unexpected medical accidents which might result in a highly expensive claim expense.
14. What happens if you don't disclose pre-existing condition travel insurance?
US short term travel insurance plans are bought online by filling out the travel insurance application form provided by the insurance company. In the insurance company application form, there are no specific questions about the pre-existing condition the customer might have.
However, on American Visitor Insurance on the form to travel insurance quotes, we ask the customer to fill in the requirement details including if coverage for pre-existing conditions is needed. This helps us display the plans with the best coverage for pre-existing conditions or for acute onset of pre-existing conditions. The available travel insurance plans can also be filtered depending on the pre-existing condition coverage requirement.
This way it is easier for the customer to view the plans that provide good pre-existing condition coverage. In conclusion, the customer does not have a way to disclose what pre-existing condition they have in the application form. Again only INF insurance offers coverage for pre-existing conditions while other providers only offer acute onset of pre-existing condition coverage, and they will not be covered for the pre-existing condition unless the incident is reported by the doctor as a acute onset of a pre-existing condition.
15. What is the pre-existing medical conditions coverage under visitors travel insurance?
The following is the visitors insurance pre-existing conditions coverage buy different US travel insurance providers:
INF Plans. These plans offer full Pre-existing conditions up to the pre-existing conditions coverage limit in the policy:
- INF Elite Insurance comprehensive plans offers full pre-existing conditions up to 99 years. There is a minimum purchase of 90 days required on this plan.
- INF Premier Insurance is fixed or scheduled benefit plan which offers full pre-existing conditions up to 99 years. There is a minimum purchase of 90 days is required on this plan.
- INF Premier Plus Insurance is fixed or scheduled benefit plan which offers full pre-existing conditions up to 65 years. There is a minimum purchase of 90 days is required on this plan.
International Medical Group - IMG offers both full Pre-existing and Acute onset of Pre-existing condition coverage :
- Patriot America plus insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years.
- Visitors Protect is a comprehensive visitor medical insurance offers Pre-existing conditions up to age 99 years. A minimum purchase of 90 days is required on this plan.
WorldTrips offers acute onset of Pre-existing conditions:
- Atlas America Insurance is a comprehensive visitor insurance that offers acute on set of pre-existing conditions aged up to age 79 years. (Excludes chronic condition or congenital condition)
- Visitor Secure is a fixed benefit plan that offers acute on set of pre-existing conditions aged up to age 79 years. (Excludes chronic condition or congenital condition)
Trawick International offers Acute onset of Pre-existing conditions and sudden, unexpected recurrence of a Pre-existing Conditions:
- Safe Travels USA travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.
- Safe Travels USA Comprehensive plan covers acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
Seven Corners offers acute onset of Pre-existing conditions:
- Travel Medical Insurance comprehensive plans offers Acute on set of pre-existing conditions up to 79 years.
- Travel Medical USA Visitor plans fixed plans offers Acute on set of pre-existing conditions up to 79 years.
16. What is the Look back period for pre-existing conditions in travel insurance?
The Lookback period is the period before the travel insurance policy's effective date during which the pre-existing medical condition must be stable. The look back period varies depending on the policy.
17. Can I receive treatment or take medication for my pre-existing medical condition during the Look back period and still be eligible for coverage?
No, typically, you must not receive any treatment or medication for the pre-existing condition during the Lookback period to be eligible for coverage under the policy.
18. Is there an age limit to purchase visitors travel insurance for acute onset of pre-existing conditions?
Yes, there is typically an age limit for purchasing visitors travel insurance for acute onset of pre-existing conditions. The age limit varies depending on the policy.
- inf plans offers Full Pre-existing conditions up to 99 years.
- Seven Corners and WorldTrips offers Acute on set of Pre-existing up to 79 years.
- Trawick-International plans offers Acute on set and sudden and unexpected pre-existing conditions up to 89 years.
- IMG Visitor Protect offers Pre-existing conditions up to 99 years and Patriot America Plus offers Acute on set of Pre-existing up to 70 years.
19. Why is travel insurance to USA so expensive?
USA Travel insurance cost depends on the following factors indicating why it is very expensive.
- US health care costs is significantly higher compared to most other nearby countries like Canada or Mexico, or even to other developed countries in Europe like the UK and France. The cost of healthcare services, hospital stays, and medication is exorbitant in the US. Given this, the US travel insurance companies adjust their premiums to reflect the higher healthcare costs in the USA.
- Some plans provide travel insurance for pre-existing conditions. This additional option which is very useful for older travelers and those with existing medical ailments significantly increase the overall cost of travel insurance.
- The United States also has a litigious culture, and the risk of healthcare related lawsuits is higher. US travel insurance providers need to account for potential legal expenses and settlements, leading to higher premiums in the travel insurance plans.
- The overall high standard of living in the US contributes to increased costs for various services, including healthcare. Insurance providers factor in the higher living expenses when determining premiums.
- The US has been facing higher inflation in the past few years. This has resulted in higher healthcare costs, and hence higher travel insurance premiums.
- US Travel insurance is a mature market, offering a range of travel health insurance options. The comprehensive travel insurance plans often includes coverage for emergency medical evacuations where extensive medical facilities may be required hence contributing to higher premiums. Comprehensive visitors insurance offer high coverage limits for medical expenses and other benefits such as for acute onset of pre-existing ailments, and all this contribute to higher premiums.
Despite travel insurance for the US being expensive, it is extremely risky to be uninsured in the United States. US insurance companies work with preferred provider (PPO) networks that are linked to the hospital and healthcare facilities. Patients who have health insurance and go to a PPO provider get billed significantly lower than those patients who do not have any insurance coverage. Simply having health insurance reduces hospital bills, along with this price reduction is the actual healthcare expenses which are paid for by the medical insurance plans.
Different types of US Visitors insurance
Fixed Benefit travel insurance
A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits. Fixed benefit plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.
Comprehensive travel insurance
Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive travel insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation
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Steps to buy
US pre-existing condition travel health insurance online
1: Finding the available US travel insurance plans
Complete the travel insurance to America quote form with details of the traveler and insurance requirements.
2: Compare the different travel insurance options
Compare prices and benefits of the different travel insurance for visitors in us to find what fits your needs best.
3: Buy the travel insurance that you like best
Buy the insurance for travelers to usa that fits your needs and budget best by completing the online application.
4: Review visit usa insurance documents received by email
Review the medical insurance for visitors to usa documents for coverage details and contact numbers
US travel insurance coverage for acute onset of pre-existing conditions
I would like to buy US travel insurance that covers pre-existing conditions for my parents aged 73 years and 71 years.
ThanksLana
These policies are best if you are concerned with pre-existing medical conditions. You must purchase at least 90 days' coverage.
If your visitor will be staying for three months or longer, you may want to consider a plan we are offering called Elite plan from INF. It will cover 80% of expenses including many unexpected medical issues due to pre-existing conditions. The coverage is NOT limited to "acute onset" of pre-existing conditions. The look-back period for the plan is only 90 days which means you have a much better chance of having pre-existing medical conditions covered, especially if they are stable for your. The plan has a $75,000 maximum for persons over 69 years and $150,000 for persons under 70 with a $250 or $500 deductible (same for pre-existing condition coverage). It is an 80/20 plan covering 80% while you pay 20% of expenses.
This is the most complete plan available and will cost $7,344 for both your parents for 3 months' coverage with a $75,000 maximum and a $250 deductible.
INF Elite Network
This is a very unique plan offering "full" coverage for pre-existing conditions with such a short look back period for those conditions.
Please note that the plan does NOT cover routine, necessary treatment for a pre-existing conditions. The coverage is for any issue arising, not just "acute" (or something that must be treated right away) issues.
Another option is the same coverage for pre-existing conditions from a fixed plan. A fixed plan will pay a limited amount for each medical expense (it may not cover 100%), please see brochure for details. The plan is called INF Premier. Like the Elite plan above coverage is available up to $150,000 for persons under 70 years and $100,000 for those 70 to 99 years of age. Persons under 70 years can choose between a $250 or $75 deductible, with other clients choices of $250 or $500 deductible. With the Premier plan, you must choose the deductible for the pre-existing condition coverage and that determines the maximum coverage for acute onset of pre-existing conditions (the higher the deductible, the higher the maximum you are allowed).
This plan will cost about $2,617 for both parents for 3 months with a $100,000 maximum and a $250 deductible. For all information about the plan, go here:
INF Premier Plan
You can compare the plans here: Compare INF Pre-existing plans.
Another company offers coverage for their age group, but does NOT cover pre-existing conditions very well. The Safe Travels USA plan is offered by Trawick International. It offers coverage for "acute onset" of pre-existing conditions for up to $1000 for persons over 70 and under 90 years of age.
The price of the policy for younger travelers makes it an economical option for coverage of acute onset of pre-existing conditions up to the medical maximum for those under 70 years. The policy is available from any state in the US or can be purchased from abroad. The policy covers COVID-19 like any other illness. The policy can be purchased for a minimum of 5 days and extended for up to 365 days.
This plan will cost about $2789 for both parents for 3 months with a $50,000 maximum and a $250 deductible. For all details on the policy:
Safe Travels Elite
Another option is the fixed plan offered by this same company. It is called Safe Travels Elite Diamond and can be purchased for up to $50,000 and has the same limitations on coverage as above for the comprehensive plan, but remember that it is a fixed option and so has caps on individual medical expenses (as well as the maximums listed above). However, offers the best fixed coverage for acute onset of pre-existing conditions for persons over 70. This policy also covers COVID-19 like any other illness and can likewise be extended.
This plan will cost about $899 for both parents for 3 months with a $50,000 maximum and a $200 deductible.
Safe Travels Diamond
Do let us know if you have any further questions or concerns by email or phone. We are more than happy to assist you!
Let us know if you have any further questions or concerns about this or other plans you may find on our website. (Sorry for the long email, but I wanted to give you a full range of options!!)
Regards,Customer care
www.americanvisitorinsurance.com
(877) 340 7910
Visitors insurance with pre existing conditions coverage
01. What counts as a pre-existing medical condition for travel insurance?
Any pre-existing medical condition is something that the traveler has before or when he/she buys the travel insurance plan. The pre-existing condition can be an illness or any injury. Some other examples of pre-existing conditions are cancer, diabetes or asthma/respiratory issues.
02. Is high blood pressure considered a pre-existing condition for travel insurance?
Most travel insurance plans will consider blood pressure as a pre-existing condition for travel insurance. However the INF insurance offer travel insurance that covers pre-existing conditions ranging including Blood pressure. The INF Premier & INF Elite travel insurance for preexisting conditions are two INF plans with coverage for blood pressure.
03. Do travel insurances cover pre-existing conditions?
Yes, INF is one company that offers travel insurance for pre-existing conditions. Some other US travel insurance providers offer travel insurance for acute onset of an pre-existing ailment. The INF Elite and INF Premier travel plans provides greater flexibility for coverage of pre-existing conditions.
04. Is there a waiting period for pre-existing conditions?
Travel Insurance plans do not specify anything about the waiting period, but some plans have a look back period for coverage for pre-existing conditions. Most travel insurance plans only cover the acute onset of pre-existing conditions with INF being the exception which offers coverage for Pre-existing conditions up to the defined limit with their INF Premier and INF Elite travel insurance plans.
US Student medical insurance plans which are useful for international students coming to the US for higher studies however do provide a waiting period of 6 months to one year which varies from one plan to another.
05. What happens if you don't disclose pre-existing condition travel insurance?
US short term travel insurance plans are bought online by filling out the travel insurance application form provided by the insurance company. In the insurance company application form, there are no specific questions about the pre-existing condition the customer might have.
However, on American Visitor Insurance on the form to travel insurance quotes, we ask the customer to fill in the requirement details including if coverage for pre-existing conditions is needed. This helps us display the plans with the best coverage for pre-existing conditions or for acute onset of pre-existing conditions. The available travel insurance plans can also be filtered depending on the pre-existing condition coverage requirement.
This way it is easier for the customer to view the plans that provide good pre-existing condition coverage. In conclusion, the customer does not have a way to disclose what pre-existing condition they have in the application form. Again only INF insurance offers coverage for pre-existing conditions while other providers only offer acute onset of pre-existing condition coverage, and they will not be covered for the pre-existing condition unless the incident is reported by the doctor as a acute onset of a pre-existing condition.
Find out more about Pre-existing condition visitors insurance
Frequently asked questions about pre-existing condition visitor medical insurance?
01. What is a pre-existing condition for travel health insurance?
Simply put, a pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Click here to read more.
02. Are there any medical tests required to buy pre existing visitor insurance?
No, there are no medical tests required for purchasing visitor travel insurance to usa with pre existing conditions.
03. Which are the USA travel health insurance that cover Pre - Existing conditions?
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for acute onset of pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
04. Why should I get visitor medical insurance with coverage for pre-existing medical conditions?
Many people, although healthy and able to travel, particularly older travelers take medications for certain medical conditions. While these conditions can be called "normal" for a person of their age, not all people have these conditions and they will be classified as "pre-existing" by an insurance company. If you do NOT have coverage for it, then the policy will pay $0 for any incident of it, emergency or not. The coverage you can get is limited to "acute onset" of a pre-existing condition which can cover an unexpected life-threatening emergency of the condition which would then give you as complete coverage as you could get for your travels or visitor. This is why we offer some options with this coverage for nearly all ages of travelers. For more information, go here.
Visitors Insurance Covering Pre-existing Conditions - Article
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Pre-existing condition travel insurance resources
Choose travel insurance with pre existing conditions plan options while outside your home country.
Factors for travel insurance with pre existing conditions
Factors to consider while choosing the best visitors medical insurance with pre existing conditions.
Types of travel insurance for pre existing conditions
Different Pre-Existing Conditions travel insurance for US Visitors, fixed benefits vs comprehensive coverage.
Travel insurance for pre existing conditions claims procedure
Visitors insurance for pre-existing conditions claims procedure for getting healthcare in a hospital.
