Compare pre-existing coverage plans

Here is a quick comparison of popular visitor medical insurance plans which have coverage for pre-existing conditions* and also some plans covers for acute onset of pre-existing conditions**.


Compare best pre-existing coverage plans

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
INF Premier
Plan Maximum
Deductible
Pre-existing Ded
Inbound USA Basic
Plan Maximum
Deductible
Atlas Premium
Plan Maximum
Deductible
Patriot America Plus
Plan Maximum
Deductible
Patriot Platinum
Plan Maximum
Deductible
INF seven corners hccmis IMG IMG
Plan Type
Fixed Benefit Plan Fixed Benefit Plan Comprehensive Plan Comprehensive Plan Comprehensive Plan
Length of Coverage
Minimum: 30 days
Maximum: 365 days
Minimum: 5 days
Maximum: 364 days
Minimum: 5 days
Maximum: 364 days
Minimum: 5 days
Maximum: 365 days
Minimum: 5 days
Maximum: 365 days
Acute onset of Pre-existing Condition
Under age 70: Covers up to $20,000/$30,000/$40,000/$60,000 with deductible $1,000/$5,000.
Age 70 to 99: Covers up to $15,000/$25,000 with deductible $1,000/$5,000.
Under age 70: Up to $50,000.
Age 70 to 79: Up to $25,000.
Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
Covers up to maximum limit, under the age of 70 years. Covers sudden and unexpected recurrence of a pre-existing condition up to $2,500 lifetime maximum without primary health plan.
Brochure & Details links
Underwriter
Premier Plan Insurance Underwriter
Certain Underwriters at ACE American Insurance Company
Inbound USA Insurance Underwriter
Certain Underwriters at Lloyd's of London
Atlas Premium Insurance Underwriter
Certain Underwriters at Lloyd's of London
Patriot America Plus Insurance Underwriter
Sirius International Insurance Corporation
Patriot Platinum Insurance Underwriter
Sirius International Insurance Corporation
Rating
Premier Plan Insurance Rating
AM Best Rating: A++
Inbound USA Insurance Rating
AM Best Rating: "A" (Excellent)
Atlas Premium Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Patriot America Plus Insurance Rating
AM Best Rating: "A" (Excellent)
Patriot Platinum Insurance Rating
AM Best Rating: "A" (Excellent)

*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.

Travel medical insurance for travelers stranded in the USA, Canada or Mexico because of Coronavirus

It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Of particular note, the company INF insurance which offers travel insurance plans with coverage in the USA, Canada and Mexica. These plans usually have a restriction on coverage of pre-existing medical conditions for their two plans: INF Elite Network Insurance and INF Advantage Insurance unless it is purchased BEFORE the traveler leaves their home country. In light of the coronavirus epidemic, INF is lifting this restriction on pre-existing condition coverage even if purchased after coming to the US.
While many other insurers are NOT covering COVID-19 and even voiding policies due to the pandemic, INF insurance is a REAL option for travelers stuck in the US and needing insurance coverage. The INF travel insurance policy is good if you are replacing an existing travel policy that has expired or maybe you didn't have an insurance policy to begin with. International students in the US, Snowbirds from Canada or the UK, tourists from European nations, even US green card holders can purchase these plans. Note that the INF Advantage plan ONLY offers coverage in the US, while the INF Elite can be used in the US, Canada, and Mexico (even by US citizens who ordinarily reside outside the US). The INF Advantage plan is quite affordable and many travelers and students are even buying this plan to complement their existing insurance option if it has limitations in coverage for COVID-19.
Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
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Find out more about Pre-existing condition visitors insurance

Frequently asked questions about pre-existing condition visitor medical 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. Read more.
No , there are no medical tests required for purchasing visitor travel insurance to usa with 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.
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.
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Compare visitor pre-existing plans

Compare pre-existing conditions insurance plans for US visitors and buy the best plan.

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Resourceful visitors insurance for pre existing conditions information

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