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.

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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.

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. For instance, dialysis done for someone who needs this done regularly or prescription medication taken for high cholesterol will not be covered by these plans. Nor can you travel to receive some sort of medical treatment with these plans. Here is what they 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. 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).
Insurance Coverage for older travelers with Pre-existing Conditions
The levels of coverage for these conditions vary by age of the visitor, so a list is provided here which is categorized 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.

The best coverage can be found for persons under 70 years of age. INF provides the best comprehensive plans for pre existing condition coverage. INF Elite Network 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. INF Advantage plan covers 80% of all eligible medical expenses. This plan provides the highest cover for the acute onset of pre existing conditions. Acute onset of pre existing conditions are covered up to a maximum of $150,000 for age 0-69 with a deductible of $250. "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 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. The INF Choice plan provides coverage for acute onset of pre existing condition for all ages up to 80+. This plan is best suitable for age 50 and above who exhibit mild pre existing issues. After this, 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

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).
INF Advantage plan: (comprehensive plan) Acute onset of the pre existing conditions is covered for a maximum of $75,000 for age 70-79 with a deductible of $250.
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).
INF Choice plan: (fixed benefit plan) Acute onset of pre existing conditions are covered up to age 80+.
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

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).
INF Advantage plan: (comprehensive plan) Acute onset of the pre existing conditions is covered for a maximum of $75,000 for age 80-89 with a deductible of $250.
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).
INF Choice plan: (fixed benefit plan) Acute onset of pre existing conditions are covered up to age 80+.
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, $1,000, $2,500, or $5,000; and unexpected recurrence of pre-existing coverage up to $1,000.
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).
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).
After this, 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.

We are more than happy 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 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. Click here to 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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