Visitors Insurance Coverage for older travelers with Pre-existing Conditions

Visitors Insurance or short term insurance cover sudden and unexpected issues resulting from pre-existing conditions that are otherwise well controlled and stable. This is called "acute onset" or "sudden recurrence" of the medical condition. Compare popular travel health insurance for sudden or emergency expenses arising from pre-existing ailments.
Compare quotes of acute onset of pre-existing conditions insurance for US Visitors
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1. Coverage Limit (Maximum eligible medical expenses that the plan will cover)

2. Deductible

Deductible is the amount you must pay every year(either per person or per family) before your plan starts to pay its share of benefits. A 500$ deductible means you will have to pay first $500 for treatment and then the insurance company takes care of the rest of the payments. A 0$ deductible means you do not pay anything.
Higher Deductible -> Lower Premium.
Lower Deductible -> Higher Premium.

Visitors Insurance Covering Pre-existing Conditions

We are proud to work with multiple insurance companies which offer some coverage for clients with pre-existing conditions. To be clear, none of them cover necessary, regular medication or treatment one may be receiving for a medical condition. So, it will not pay for dialysis for someone who needs this done regularly, nor for a prescription medication taken regularly for high cholesterol (for example). Nor can you travel to receive some sort of medical treatment with these plans. What they do cover are sudden and unexpected issues resulting from pre-existing conditions that are otherwise well controlled and stable. This is called "acute onset" or "sudden recurrence" of the medical condition. It is worthwhile noting that some conditions are excluded from coverage, such as cancer and HIV. Maternity issues are also excluded (but visit our maternity coverage details to see what is offered there).

The levels of coverage for these conditions vary by age of the visitor, so I will list them by age group. Note that for persons over 70, they usually have to purchase separate policies anyway and you do not need to buy the same policy for a couple if they have different needs anyway. There is usually only a small savings of time it takes to fill out an application rather than of cost of the insurance.
Insurance Coverage for older travelers with Pre-existing Conditions

The best coverage can be found for persons under 70 years of age. The highest amount for this type of "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. Liaison Economy plan offers up to $15,000 maximum for the pre-existing condition regardless of the policy maximum for non-US citizens. Liaison Economy covers US citizens (traveling outside the US) with a primary insurance plan up to the maximum of the plan, however. Atlas Premium covers up to overall maximum limit and Liaison Choice up to $30,000 for non-US citizens.

Note that all the above are excellent comprehensive plans. However, if you would rather have a fixed plan (for an example of the difference, visit our fixed vs comprehensive details), some of those also offer coverage for pre-existing conditions. 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.

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.

There are still some good options to cover pre-existing medical conditions for this age group. We now have an exciting option with an exceptionally high maximum (for this age group) amount the Best category.

Best coverage

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).
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).
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.

Good coverage

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.
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).
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).
Liaison Economy (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).

Fair coverage

Liaison Economy (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).

Modest coverage

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.
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.
We have a few policies to accommodate the older travelers.

Best coverage

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.

Good coverage

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 $15,000 for cardiac disease.

Fair coverage

Modest coverage

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.
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 pre-existing coverage up to $1,000.

Unfortunately, options for these travelers are extremely limited.The best coverage is the Liaison Choice plan for US citizens traveling outside the US. They have $5,000 maximum coverage for any pre-existing condition. US citizens also have the option of Liaison Elite for the pre-existing condition with a maximum of $10,000. For non-US citizens.

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.

As ever, we are proud to offer as many quality options as we can put together for our clients. We hope that you can find some coverage for your situation that you find adequate and gives you peace of mind for you and your visitor.
Wishing you safe and healthy travels,

By: Christina Longbrake

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, in the context of US travel insurance 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 Visitors Insurance Covering Pre-existing Conditions 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 visitors Insurance covering Pre-existing conditions.
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some insurance plans offer travel insurance to USA with pre existing conditions for the acute onset of pre-existing ailments. 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 as well as for acute onset of existing medical conditions. This is particularly true when you have older travelers and elder family members who need health insurance for parents with pre-existing diseases solutions along with regular visitor insurance as they are suffering from existing medical ailments. In other words they need visitors insurance coverage for acute onset of an pre-existing medical condition. Read more.
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