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**.
Spouse Age
Start Date
End Date
Inbound USA 
by Seven Corners
  • Maximum coverage#1
  • Deductible#2
  • Pre-existing covered like any other illness for those under 70 years
    • Insurers aged below 70 years are covered at no additional charge.
    • Treatment must be received within 24 hours of the onset.
    • Inbound plans offer a per injury/per sickness benefit to the insureds.
    • The acute onset benefit will be the same amount as your client's chosen policy maximum, however, unlike the policy maximum, the acute onset is paid on a per period of policy basis.
    • If multiple acute onsets of a pre - existing condition occur, regardless of whether or not they are a different condition, we will only pay to the cumulative per maximum period of policy.
    • The plan also covers up to $25,000 lifetime maximum for emergency medical evacuation incurred from pre - existing conditions.
  • More...
  • $67.89 PER MONTH BUY
Liaison Travel Economy
by Seven Corners
  • Maximum coverage#1
  • Deductible#2
  • Pre-existing coverage for those under 70 years
    • Acute Onset of a Pre - existing Condition:
      • Up to $15,000 per policy period for non-U.S. residents under age 69 traveling in the United States (Age 70+, up to $2,500).
    • Waiver of Pre - Existing Conditions:
      Up to $25,000 for U.S. citizens under age 70 years traveling outside the United States and Canada (Age 70+, up to $5,000).
  • More...
  • $59.52 PER MONTH BUY
Atlas Premium
  • Maximum coverage#1
  • Deductible#2
  • Matching pre-existing cover for those under 70 years
    • 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. (excludes chronic and congenital conditions)
  • More...
  • $42.16 PER MONTH BUY
Patriot America Plus
by IMG
  • Maximum coverage#1
  • Deductible#2
  • Some pre-existing cover for all ages and conditions
    • Acute Onset of a Pre-existing Condition:
      • Under 70 years of age - Up to period of coverage maximum limit.
    • Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation:
      • Under 70 years of age: $25,000 maximum limit.
  • More...
  • $143.75 PER MONTH BUY
Fixed benefits plans  have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Comprehensive plans  pays for all expenses after the deductible and co-insurance component and are recommended given the high costs of health care in the US.
#1  Maximum Coverage is the maximum eligible medical expenses that the plan will cover.
#2  Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

*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).

**Definition of 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.

Find out more about Pre-existing condition visitors insurance

Frequently asked questions?
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 pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
To ensure that any travel and stay in a foreign country is hassle free and memorable travelers should buy proper visitor medical insurance. Visitor travel health insurance can prevent stress by providing good medical cover for unexpected sickness and injury. We come across many travelers especially older travelers, who along with visitor insurance are suffering from existing medical ailments. In other words they need coverage for acute onset of an pre-existing medical condition. Read more.
More pre-existing coverage conditions FAQ's

Pre-existing coverage - Article

Insurance Coverage for older travelers with Pre-existing Conditions

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Pre-existing coverage - Review

Best of the Best Coverage for Pre-existing Medical Conditions

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Visitor insurance with pre-existing coverage

Get quote for visitor insurance with pre-existing coverage.

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Best pre-existing coverage plans

Popular visitor medical insurance plans which have coverage for pre-existing conditions.

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Compare visitor pre-existing plans

Compare visitor pre-existing coverage plans and buy the best plan.

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