The best visitor insurance that covers pre existing conditions can be found for persons under 70 years of age.
Note that once a person hits age 70, the pre-existing condition benefit either goes away completely or is significantly reduced (to $2,000 or so only). So even though you may be able to pay 69 year old prices if a traveler hits his 70th birthday while on vacation, this benefit will no longer apply from that date forward. So, check the next age category if you are hovering at the 69/70 year boundary.
COMPREHENSIVE PLAN | |
![]() INF Elite plan | INF provides the best comprehensive plans for pre existing condition coverage. INF Elite plan being the best of all (ONLY COMPREHENSIVE PLAN WITH FULL PRE EXISTING COVER) with full pre existing condition coverage available. This includes doctor appointments, blood tests and lab work, special care, urgent care and hospital stays. Pre existing conditions are covered for a maximum of $25,000 for age 0-69 with a pre existing deductible of $1,500.The plan must be purchased for at least 3 months. Buy INF Elite online |
![]() Patriot America Plus | Acute onset" coverage can be found in the Patriot America Plus plan which can be purchased with a maximum of $50,000, $100,000, or $500,000. The coverage for acute onset of pre-existing conditions is covered as any other condition and up to the maximum of the plan. Other policies offer lower levels of coverage for pre-existing conditions Buy Patriot America Plus online |
![]() Liaison Choice | Liaison Choice up to $30,000 for non-US citizens. Buy Liaison Choice online |
![]() Atlas Premium | Atlas Premium covers up to overall maximum limit Buy Atlas Premium online |
![]() Liaison Basic | Liaison Basic plan offers up to $15,000 maximum for the pre-existing condition regardless of the policy maximum for non-US citizens. Liaison Basic covers US citizens (traveling outside the US) with a primary insurance plan up to the maximum of the plan Buy Liaison Basic online |
FIXED PLAN | |
![]() INF Premier plan | The INF Premier fixed plan is the best plan (ONLY FIXED PLAN WITH FULL PRE EXISITNG COVER)that provides full pre existing condition coverage including the doctor appointments, blood tests, special care, urgent care and hospital stays for emergencies. Pre existing conditions are covered to maximum coverage of $20,000/$30,000/$40,000/$60,000 for age 0-69 subjected to deductible of $1,000/$5,000. Buy INF Premier online |
![]() Inbound plans | The best coverage in this category for pre-existing coverage can be found in any of the Inbound plans. They cover an acute onset of a pre-existing condition like any other condition. Note that with a fixed plan, the higher the maximum of the plan, the higher the individual caps on coverage, so I recommend getting as high a maximum as you can to maximize your coverage. It will still be cheaper than the cost of a comprehensive plan.Buy Inbound plans online |
Best coverage | |
![]() INF Elite Network plan | (Comprehensive plan) Full pre existing coverage available with a maximum of $20,000 for age 70-79 with a pre existing deductible of $1,500. The plan must be purchased for at least 3 months.(Please note that the pre existing deductible is apart from the deductible chosen on the plan). Buy INF Elite Network online |
![]() INF Premier plan | (Fixed benefit plan) Full pre existing coverage available with a maximum are covered up to $15,000/$25,000 for age 70-79 with a pre existing deductible of $1000/$5000.(Please note that the pre existing deductible is apart from the deductible chosen on the plan). Buy INF Premier online |
![]() Atlas America | Atlas America (comprehensive plan) offers maximums of $50,000, $100,000 and $150,000; deductibles of $0, $100, $250, $500, $1,000, $2,500, and $5,000; and acute onset of pre-existing coverage up to $100,000 or maximum of plan (whichever is lowest). Buy Atlas America online |
![]() Atlas America Premium | Atlas America Premium (comprehensive plan) offers maximums of $50,000, $100,000 and $150,000; deductibles of $0, $100, $250, $500, $1,000, $2,500, and $5,000; and acute onset of pre-existing coverage up to $100,000 or maximum of plan (whichever is lowest). Buy Atlas America Premium online |
![]() Safe Travels USA Comprehensive | Safe Travels USA Comprehensive(comprehensive plan) offers maximums of $50,000 or $100,000; deductibles of $0, $50, $100, $250, $500, $1,000, $2,500, and $5,000; and acute onset of pre-existing coverage up to $35,000 and only $15,000 for cardiac disease. Buy Safe Travels USA Comprehensive |
Good coverage | |
![]() Safe Travels for visitors Diamond | Safe Travels for visitors Diamond (fixed benefit plan) offers maximums of $50,000 or $100,000; deductibles of $100 or $200; and acute onset of pre-existing coverage up to $35,000 and only $15,000 for cardiac coverage. Buy Safe Travels for visitors Diamond |
![]() Liaison Elite | Liaison Elite (comprehensive plan) offers maximums of $50,000 $100,000; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and acute onset of pre-existing coverage up to $10,000 (non US) or waiver of Pre-existing coverage up to $2,500 (US citizens). Buy Liaison Elite online |
![]() Liaison Choice | Liaison Choice(comprehensive plan) offers maximums of $50,000 $100,000; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and acute onset of pre-existing coverage up to $5,000 (non US) or waiver of Pre-existing coverage up to $10,000 (US citizens). Buy Liaison Choice online |
![]() Liaison Basic | Liaison Basic (comprehensive plan) offers maximums of $50,000 $100,000; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and acute onset of pre-existing coverage up to $2,500 (non US) or waiver of Pre-existing coverage up to $5,000 (US citizens).
Buy Liaison Basic online |
Fair coverage | |
![]() Liaison Basic | Liaison Basic (comprehensive plan) offers maximums of $50,000 $100,000; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and acute onset of pre-existing coverage up to $2,500 (non US).
Buy Liaison Basic online |
Modest coverage | |
![]() Safe Travels USA Cost Saver | Safe Travels USA Cost Saver(comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 and $1 million; deductibles of $0, $50, $100, $250, $500, $1000, $2500, or $5000; and unexpected recurrence of pre-existing coverage up to $1,000. Buy Safe Travels USA Cost Saver |
![]() Safe Travels USA | Safe Travels USA (comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 and $1 million; deductibles of $0, $50, $100, $250, $500, $1000, $2500, or $5000; and unexpected recurrence of a pre-existing coverage $1,000. Buy Safe Travels USA |
Best coverage | |
![]() INF Elite Network plan | INF Elite Network plan: (comprehensive plan) Full pre existing coverage available with a maximum of $20,000 for age 80-89 with a pre existing deductible of $1,500. The plan must be purchased for at least 3 months.(Please note that the pre existing deductible is apart from the deductible chosen on the plan). Buy INF Elite Network online |
![]() INF Premier plan | INF Premier plan: (fixed benefit plan) Full pre existing coverage available with a maximum are covered up to $15,000/$25,000 for age 80-89 with a pre existing deductible of $1000/$5000.(Please note that the pre existing deductible is apart from the deductible chosen on the plan). Buy INF Premier online |
![]() Safe Travels USA Comprehensive | Safe Travels USA Comprehensive(comprehensive plan) offers maximums of $50,000 or $100,000; deductibles of $0, $50, $100, $250, $500, $1000, $2500, and $5000; and acute onset of pre-existing coverage up to $35,000 and $15,000 for cardiac disease. Buy Safe Travels USA Comprehensive |
Good coverage | |
![]() Safe Travels for visitors Diamond | Safe Travels for visitors Diamond (fixed benefit plan) (fixed benefit plan) offers maximums of $50,000 or $100,000; deductibles of $100 or $200; and acute onset of pre-existing coverage up to $15,000 for cardiac disease. Buy Safe Travels for visitors Diamond |
Modest coverage | |
![]() Safe Travels USA Cost Saver | Safe Travels USA Cost Saver (comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 and $1 million; deductibles of $0, $50, $100, $250, $500, $1000, $2500, or $5000; and unexpected recurrence of pre-existing coverage up to $1,000. Buy Safe Travels USA Cost Saver |
![]() Safe Travels USA | Safe Travels USA (comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 and $1 million; deductibles of $0, $50, $100, $250, $500, $1,000, $2,500, or $5,000; and unexpected recurrence of pre-existing coverage up to $1,000. Buy Safe Travels USA |
![]() INF Elite Network plan | INF Elite Network plan: (comprehensive plan) Full pre existing coverage available with a maximum of $20,000 for age 90-99 with a pre existing deductible of $1,500. The plan must be purchased for at least 3 months.(Please note that the pre existing deductible is apart from the deductible chosen on the plan). Buy INF Elite Network online |
![]() INF Premier plan | INF Premier plan: (fixed benefit plan) Full pre existing coverage available with a maximum are covered up to $15,000/$25,000 for age 90-99 with a pre existing deductible of $1,000/$5,000.(Please note that the pre existing deductible is apart from the deductible chosen on the plan). Buy INF Premier online |
![]() Liaison Choice | Liaison Choice plan for US citizens traveling outside the US. They have $5,000 maximum coverage for any pre-existing condition. Buy Liaison Choice online |
![]() Liaison Elite | US citizens also have the option of Liaison Elite for the pre-existing condition with a maximum of $10,000 Buy Liaison Elite online |
How will the insurance company determine what is a pre-existing condition?
Each company uses a slightly different wording for their definition, but basically, I tell people this is what it means: A pre-existing condition is a medical condition that you have been diagnosed with, are being treated for, or had before the start of the policy with reasonable medical certainty. This definition is tricky because the insured doesn't need to know that they have a condition in order for it to be considered pre-existing. We had a client who was diagnosed with a chronic bladder infection. Since it was found to be chronic, it was determined that the infection must have already been present before the trip started. Unfortunately, that meant the client did not get any coverage for their medical expenses. Many policies require a paerson to be stable in their condition before they will cover it as a pre-existing condition anyway, so even a policy with a pre-existing condition clause like the ones I have described above, may exclude covering expenses in this particular example.
Best travel insurance for pre-existing conditions, Visitor health insurance for non-us citizens with pre-existing conditions |
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Best health insurance for visitors to USA with pre-existing conditions- Comprehensive plans | |
![]() Patriot America Plus Insurance |
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![]() Atlas America Insurance |
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![]() Safe Travel USA Comprehensive |
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![]() Safe Travel USA |
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![]() Safe Travel USA Cost Saver |
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![]() Liaison Travel Plus Insurance |
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![]() Liaison Travel Elite Insurance |
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![]() Liaison Travel Choice Insurance |
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![]() Liaison Travel Basic Insurance |
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Best health insurance for visitors to USA with pre-existing conditions - Fixed plans | |
![]() Visitors Care Insurance |
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![]() Visit USA Insurance |
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![]() Visitor Secure Insurance |
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Insurance Coverage for older travelers with Pre-existing Conditions
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