Visitors insurance with pre-existing conditions for older travelers

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.
Elite plan covers pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years.
Coverage for Pre-Existing Conditions to $1M

INF Elite 90 plan

This is a comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing condition
Elite plan covers pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years.
Covers 90% of Eligible Medical Expenses.
Coverage for Pre-Existing Conditions to $1M.
This plan need to be purchased for a minimum of 3 months.

INF Elite Plus

Covers Preventive & maintenance care and coverage for full body physicals.
Coverage for TDAP, Flu, etc Vaccines
This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500.
Covers accident & sickness while traveling to USA, Canada, and Mexico and covers 90% of eligible medical expenses
This plan need to be purchased for a minimum of 3 months.

Safe Travels USA Comprehensive

Safe travel USA Comprehensive available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
Covers Acute Onset of a Pre-Existing Condition: Up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years.

Visitors Protect

Covers pre existing condition for age 69 and below up to $25,000 with deductible $1,500.
Limited pre-existing condition coverage.
Available for international visitors traveling from their home country to the U.S., Canada, and Mexico.
Coverage from 90 days to 12 months.

Patriot America Plus

Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
Plan is suitable for Green Card holders as long as they reside outside the US.
Available for US citizens visiting USA

Atlas Premium

Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 70 years (excludes chronic and congenital conditions).
This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
Provides quality coverage with with high coverage limits.

Travel Medical Basic

The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000
Including USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years.
Excluding USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 64 years and a coverage of $5,000 for age under 70.

Travel Medical Choice

Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
Including USA:
- For the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50k coverage is available.
- For the acute onset of pre-existing condition coverage other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75k coverage is available .
Excluding USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age under 70.

Atlas America

Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 70 years (excludes chronic and congenital conditions).
Coverage for Non-US Citizens traveling outside their home country
This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.

Fixed Plans

INF Premier

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.
Premier plan provides policy maximum $100k covers pre-existing condition maximum of $20k/$40k with deductible $1k/$5k, policy maximum $150k covers pre-existing condition maximum of $30k/$60k with deductible $1k/$5k and policy maximum $300k covers pre-existing condition maximum of $50k/$100k with deductible $1k/$5k, policy maximum $500k covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years and policy maximum $1M covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years.
Coverage for Pre-Existing Conditions to $1M.

Travel Medical USA Visitor Basic

This plan is for Non US citizens coming to the US.
This plan also provides coverage for their Spouse, Traveling Companions, and Child(ren).
Acute onset of pre-existing conditions are covered up to $50,000 up to the age of 69 years.

Travel Medical USA Visitor Choice

This plan is for Non US citizens coming to the US.
This plan also provides coverage for their Spouse, Traveling Companions, and Child(ren).
Acute onset of pre-existing conditions are covered up to $75,000 up to the age of 69 years.

INF Premier Plus

The INF Premier fixed plan is the best plan that provides full pre existing condition coverage including the doctor appointments, blood tests, special care, urgent care and hospital stays for emergencies.
Premier Plus plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
Covers preventive & maintenance care and TDAP, Flu, etc Vaccines.

Visitor Secure

It offers coverage for acute onset of pre-existing conditions up to 70 years.
Plan can be renewed up to 364 days.
Cheap visitor insurance designed for international travelers visiting the US or for travel abroad.

Visit USA

Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
Visit USA offers 3 plans to satify your requirements and budget.
Covers Acute onset pre-Existing condition up to Ages 65 and above: $2,500 ; All others: $20,000(excludes chronic and congenital conditions)

Safe Travels Elite

This is a fixed benefits insurance plan from Trawick International and is available as Economy, Basic, Silver, Gold and Platinum with different policy maximum options for each.
Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
The plan provides Emergency Medical Evacuation of $100,000 for the Economy, Basic and Silver plan and covers up to policy maximum for the Gold and the Platinum plan.
For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
This plan is available for green card holders.

There are still some good options who offer pre-existing condition insurance plan for visitors for this age group. We now have an exciting option with an exceptionally high maximum (for this age group) amount the Best category.

Comprehensive plans

INF Elite plan

The Elite insurance covers health insurance for non-us citizens with pre-existing conditions.
Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 80 to 89 years.
Covers 80% of Eligible Medical Expenses.
Minimum Enrolment should be 90 days to buy INF Elite Plan.

INF Elite 90 plan

INF Elite 90 plan this plan provides policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
Covers 90% of eligible medical expenses.
This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
Minimum Enrolment should be 90 days to buy INF Elite Plan.

INF Elite Plus

Elite Plus this plan provides policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
Covers Preventive & maintenance care and coverage for full body physicals.
Covers 90% of eligible medical expenses.
This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
Minimum Enrolment should be 90 days to buy INF Elite Plan.

Atlas America

Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
Coverage for Non-US Citizens traveling outside their home country
This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
79 years old turing 80 during the coverage period, Atlas America plan does not affect coverage as long plan is purchased at age 79.

Safe Travels USA

Safe Travels USA is available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
Covers Unexpected Recurrence of a Pre-Existing Condition up to $1,000 of Covered Expenses

Visitors Protect

Covers pre existing condition for ages 70 and above up to $20,000 with deductible $1,500.
Coverage from 90 days to 12 months.
Available for international visitors traveling from their home country to the U.S., Canada, and Mexico
Limited pre-existing condition coverage.

Atlas Premium

This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
79 years old turing 80 during the coverage period, Atlas Premium plan does not affect coverage as long plan is purchased at age 79.

Travel Medical Choice

Travel Medical Choice Covid insurance offers coverage for coronavirus.
Including USA:
- For the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 70 to 79 years, $5k coverage is available .
- For the acute onset of pre-existing condition coverage other than cardiac condition and/or stroke for age range of 70 to 79 years, $7,500 coverage is available .
Excluding USA: Acute onset of pre-existing conditions are covered up to a coverage of $10,000 for age of 70-79.

Safe Travels USA Cost Saver

Safe Travels USA Cost Saver offer excess medical coverage.
Covers Unexpected Recurrence of a Pre-Existing Condition up to $1,000 of Covered Expenses
Accident and sickness medical coverage for the budget-minded traveler.

Travel Medical Basic

The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000
Including USA: Acute onset of pre-existing conditions are covered up to a coverage of $2,500 for age of 70-79.
Excluding USA: Acute onset of pre-existing conditions are covered up to a coverage of $5,000 for age of 70-79.

Fixed plans

Safe Travels Elite Diamond

It is available for travelers of ages 70 to 89 years
Acute Onset of a Pre-existing Condition - up to $35,000 for age 70-79 years per policy period subject to the sub limits as mentioned ( any coverage related to cardiac disease or conditions is limited to $15,000 for age 70 years and above
Scheduled benefit plan for NON-US Citizens traveling to the USA. Pays fixed dollar amount for each medical service.

INF Premier plan

This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
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.
Minimum purchase of 90 days is required with this plan

Travel Medical USA Visitor Basic

This plan is for Non US citizens coming to the US.
This plan also provides coverage for their Spouse, Traveling Companions, and Child(ren).
Acute onset of pre-existing conditions is covered up to the age of 79 years. People above 70 years get $25,000 coverage for this benefit.

Travel Medical USA Visitor Choice

This plan is for Non US citizens coming to the US.
This plan also provides coverage for their Spouse, Traveling Companions, and Child(ren).
Acute onset of pre-existing conditions is covered up to the age of 79 years. People above 70 years get $25,000 coverage for this benefit.

Comprehensive plans

INF Elite plan

The Elite Network covers health insurance for non-us citizens with pre-existing conditions.
Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 80 to 89 years.
Covers 80% of Eligible Medical Expenses.
Minimum Enrolment should be 90 days to buy INF Elite Plan.

INF Elite 90 plan

INF Elite 90 plan this plan provides policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
Covers 90% of eligible medical expenses.
This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
Minimum Enrolment should be 90 days to buy INF Elite Plan.

Safe Travels USA

Safe Travels USA offers comprehensive US Covid19 insurance coverage for illness and accident.
Covers Unexpected Recurrence of a Pre-Existing Condition up to $1,000 of Covered Expenses
It offers coverage for visitors up to 89 years.

Visitors Protect

Covers pre existing condition for ages 70 and above up to $20,000 with deductible $1,500.
Coverage from 90 days to 12 months.
Available for international visitors traveling from their home country to the U.S., Canada, and Mexico
Limited pre-existing condition coverage.

Safe Travels USA Cost Saver

Safe Travels USA Cost Saver offer excess medical coverage.
Covers Unexpected Recurrence of a Pre-Existing Condition up to $1,000 of Covered Expenses
Accident and sickness medical coverage for the budget-minded traveler.

INF Elite Plus

Elite Plus this plan provides policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
Covers Preventive & maintenance care and coverage for full body physicals.
Covers 90% of eligible medical expenses.
This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
Minimum Enrolment should be 90 days to buy INF Elite Plan.

Fixed plans

Safe Travels Elite Diamond

It is available for travelers of ages 70 to 89 years
Acute Onset of a Pre-existing Condition - up to $35,000 for age 70-79 years per policy period subject to the sub limits as mentioned ( any coverage related to cardiac disease or conditions is limited to $15,000 for age 70 years and above
Scheduled benefit plan for NON-US Citizens traveling to the USA. Pays fixed dollar amount for each medical service.

INF Premier plan

This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
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.
Minimum purchase of 90 days is required with this plan

INF Elite plan

This plan is available for Non US citizens coming to the US.
Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 90 to 99 years.
Covers 80

INF Premier plan

This plan is available for Non US citizens coming to the US.
For age 90 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
Covers 80% of eligible medical expenses.

INF Elite 90 plan

INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
Covers 90% of eligible medical expenses.
This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.

INF Elite Plus

Elite Plus this plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
Covers Preventive & maintenance care and coverage for full body physicals.
Stable pre-Existing conditions are covered as new sickness

Visitors Protect

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Covers pre existing condition for ages 70 and above it covers up to $20,000 with deductible $1,500.
Coverage from 90 days to 12 months.
Available for international visitors traveling from their home country to the U.S., Canada, and Mexico
Limited pre-existing condition coverage.

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.

What does visitors medical insurance cover?

Health care expenses: Covers hospital expenses for sickness or accidents.
Doctor visit: Insures Doctor visits for sudden injury or sickness.
Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
Medical evacuation: Medical evacuation expenses to nearest facility included.
Repat of remains: Repatriation of remains to home country included.
Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.

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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.

Cost of best US travel insurance for pre-existing conditions

The visitor health insurance usa cost ranges from $16 to $150 a month. The price varies based on several factors such as the age of the visitor, medical maximum coverage, deductible for the plan, coverage type (Fixed vs comprehensive coverage), and the coverage for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day.

What is the best travel insurance for USA visitors 2024?

Average cost of medical insurance for travelers to USA

A comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit.

Insurance Plans	Plan Maximum	Deductible	Provider Network	Cost #
Patriot America Plus ^IMG	$50K - $1M	$0 - $2K	United HealthCare	$96 - $177
Safe Travels USA Comprehensive ^{Trawick International}	$50K - $1M	$0 - $5K	First Health Network	$96 - $176
Atlas America ^WorldTrips	$50K - $2M	$0 - $5K	United HealthCare	$116 - $235
Diplomat America ^{Global Underwriters}	$50K - $1M	$0 - $5K	No PPO	$155 - $266
Patriot Platinum America ^IMG	$2M - $8M	$0 - $25K	United HealthCare	$214 - $360
Atlas Premium America ^WorldTrips	$50 - $2M	$0 - $5K	United HealthCare	$138 - $270
Safe Travels USA Cost Saver ^{Trawick International}	$50 - $1M	$0 - $5K	First Health Network	$92 - $154
Visit USA Standard ^Travel	$75K - $150K	$0- $1K	United HealthCare	$93 - $115

# The average cost of travel insurance plans for USA is based on quotes for a 40-year-old with a duration of one month.

A fixed benefit travel insurance plan is the cheapest travel insurance because it has a fixed limit of coverage for different medical benefits.

Insurance Plans	Plan Maximum	Deductible	Provider Network	Cost #
Safe Travels Advantage ^{Trawick International}	$25,000	$0	First Healthcare	$20
Safe Travels Elite ^{Trawick International}	$25K - $175K	$0	First Health Network	$24 - $68
Visitors Care ^IMG	$25K - $100K	$0 - $100	United HealthCare	$25 - $54
VisitorSecure ^WorldTrips	$50K - $130K	$0 - $100	United HealthCare	$44 - $80

# The average cost of travel insurance plans for USA is based on quotes for a 40-year-old with a duration of one month.

* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy. Do review the product brochures for detailed plan benefits.

Factors to buy best travel medical insurance USA

Age of the traveler: The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
Type of US travel health insurance: Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.
Medical maximum coverage: The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Region of coverage: Health insurance for USA visitors depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.
Duration of travel insurance: The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.
Any add on benefits: Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Travel Insurance for Pre-existing - FAQ's

Travel insurance is coverage only for unexpected medical expenses while you are on a trip away from home. Some companies offer coverage for what they call "acute onset" of a pre-existing condition (excluding chronic or congenital disorders). This would be a life or life-style threatening situation that cannot wait to be taken care of when the trip is over.

It must be "acute" meaning that it came on suddenly and needs to be taken care of quickly (defined as within 24 hours of symptom onset). A "pre-existing condition" does not necessarily have to have been previously diagnosed. If it is reasonable to assume that this condition started in the patient before the start date of the insurance, then it will be considered pre-existing to the policy. Note that the exclusion for chronic (conditions that worsen over time) and congenital (conditions a person is born with) limit greatly the application of this exception.

If Asthma is not considered chronic, then an emergency due to Asthma could be covered by a policy which covers at least "acute onset" of pre-existing conditions. If a person requires regular medication and/or doctor visits for their asthma, this will NOT be covered and will have to be paid by the insured completely out of pocket.

Note that in the US, the same medications can differ widely in costs depending on the pharmacy you use and some medications (generally generics) for common illnesses can be purchased for $40 per month at the Walmart pharmacy (although there may be long wait times). Also, some drug companies have special "coupons" available online for some of their drugs. There are often "discount cards" available at pharmacies and other stores for prescriptions that are free to use.

These are all resources your visitor can use to avoid paying full price for costly required medications should they run out while they are in the US. Other countries may not require a prescription and may not be as costly to obtain. Having a prescription with you, however, may be a good idea to ease getting the medication and show authorities you are allowed to have it (in the case of regulated substances which can vary country to country).

No. When you purchase any of our travel insurance plans, they offer guaranteed coverage with no medical questions. However, be aware that they all exclude pre-existing medical conditions. So, please take any medications you use regularly or for flare ups of your conditions since these will not be covered by travel insurance. As far as I know, Arthritis cannot lead to a life-threatening situation, so will be excluded from coverage by short-term travel policies.

If you are a frequent traveler and want major medical coverage in any country to which you travel, you can opt for global medical policies which will (after the first year, generally) cover all aspects of health costs.
You can Compare and buy Global health insurance policies. To apply for these policies, you will have to reveal your entire medical history and you are not guaranteed coverage.

The application must go through underwriting and you can be approved, rejected, or approved with exclusions. In any case, you can opt out of the policy 10 days from your approval for no cost to you or simply reject the exclusions they require on the policy. Note that these policies are best for people who want health insurance for a whole year, or better, longer.

Once you are approved on the plan, you are guaranteed coverage year after year and the price is determined by your age group, not your individual medical history. So, in the case of a global medical insurance application, you would have to declare your Arthritis on the application and you may or may not be covered for that illness by the policy they offer you.

Absolutely, yes! Travel insurance is meant to cover you in the unlikely event of a sudden illness or accident while you are on your trip. Even if you have a pre-existing condition that complicates treatment, that is not relevant to the coverage for an unexpected illness or injury.

Naturally, your pre-existing conditions themselves are excluded from coverage, so you should pack as much medication as you will comfortably need for your trip.

Yes. Any medical condition you have been diagnosed with or are being treated for will be considered pre-existing to a new travel policy. If you take regular medication for your condition, this will not be covered by the policy. However, should you, for example, have an accident and break a bone, this would be covered even if your condition may have made you a little more vulnerable to the break (unless you were being particularly reckless).

Accidents are generally always covered (car accidents are more complicated because if you were not at fault, the driver's insurance may cover part of your injuries) unless caused by intoxication. So, even if you have OsteoArthritis or some other pre-existing condition, you are still eligible for coverage by a travel insurance policy which will protect you from sudden illness or accident/injury while you are on your trip.

This is a tough question. And, unfortunately, the answer depends on where you are traveling to and from.
For people that are traveling to the US from abroad:
As a broker, I am not a medical professional, so I can only tell you this from the insurance side of the question. Generally speaking, the most common cause for heart attack as I understand it is due to plaque build up in the person's arteries.

Since that build up happens slowly, over time, I think it's fair to say that it would NOT be covered by any travel health insurance. This is because travel health insurance excludes pre-existing conditions from any coverage (even emergency coverage if they are chronic or congenital). So the answer for the common cause of heart attacks is NO. So, foreigners run a risk (hopefully a small one) when traveling here.

Health insurance can still help with costs of accidents and other unexpected illnesses while on vacation. However, the answer is be different for people who are US residents traveling abroad. US residents can purchase trip cancellation plans and some of those waive the pre-existing condition exclusion IF you purchase them within a short time of your initial trip deposit (that is the earliest date you pay for any portion of your trip).

Check out trip cancellation plans. Notably, the GeoBlue student and travel plans also waive the pre-existing condition exclusion for people who had creditable prior insurance coverage, and these plans are only available to US residents with US domestic coverage. And, for travel plans for US residents going abroad, some, like the Safe Travels Outbound plans, will cover pre-existing conditions IF they have been stable in the last 6 months (meaning there have been no changes, episodes, or changes to medication in that time frame). You can Compare Safe Travels Outbound Insurance plans.

No. Travel health insurance is meant to cover a sudden illness or accident, such as you get a stomach flu or you twist or break your ankle. Since Arthritis is not a life-threatening illness, it will not be covered by a short-term travel plan. Should you require regular medications or ointments, you should bring them or purchase ointments available in the visiting country for your condition.

Some countries may not require prescriptions to purchase medications. However, you should be cautious in using a new medication since there may be side-effects of concern. You may want to stick to what you know or consult with your own physician if you can.

Yes, INF is one company that offers travel insurance for pre-existing conditions. Some other US travel insurance providers offer travel insurance for acute onset of an pre-existing ailment. The INF Elite and INF Premier travel plans provides greater flexibility for coverage of pre-existing conditions.

The following travel insurance plans cover acute onset of pre-existing conditions:

Atlas travel plan from World trips
Visitors Protect plan from IMG
Patriot America Plus plan from IMG
Travel Medical Choice plan from Seven Corners
Travel Medical Basic plan from Seven Corners
Safe Travels USA plan from Trawick International
Safe Travels USA Comprehensive plan from Trawick International
Safe Travels Elite plan from Trawick International
INF Premier plan from INF
INF Elite plan from INF
INF Elite Plus plan from INF
INF Elite 90 plan from INF
VisitorSecure Insurance plan from World trips

A pre-existing condition is an existing condition/illness that exists at the time of application of the travel insurance, whether or not it has been treated and diagnosed or disclosed to the company, and any of or all of the subsequent complications or consequences related to or resulting from the ailment.

Mental and Nervous disorders, maternity and newborn care, preventive care, chronic illness which cannot be cured, for instance, Alzheimer's, Parkinson's disease, pre-existing conditions except for sudden recurrence of the pre-existing conditions are some of the medical conditions that the travel insurance completely excludes from coverage.

Travel Insurance plans do not specify anything about the waiting period, but some plans have a look back period for coverage for pre-existing conditions. Most travel insurance plans only cover the acute onset of pre-existing conditions with INF being the exception which offers coverage for Pre-existing conditions up to the defined limit with their INF Premier and INF Elite travel insurance plans.

US Student medical insurance plans which are useful for international students coming to the US for higher studies however do provide a waiting period of 6 months to one year which varies from one plan to another.

Travel Insurance plans provide coverage for unexpected sickness and injury. They provide benefits to cover emergency medical evacuation and repatriation. Apart from this, they provide coverage for the acute onset of pre-existing conditions. If there is a medical condition that you do not need any coverage for, then yes, you can still purchase travel insurance for unexpected medical accidents which might result in a highly expensive claim expense.

US short term travel insurance plans are bought online by filling out the travel insurance application form provided by the insurance company. In the insurance company application form, there are no specific questions about the pre-existing condition the customer might have.

However, on American Visitor Insurance on the form to travel insurance quotes, we ask the customer to fill in the requirement details including if coverage for pre-existing conditions is needed. This helps us display the plans with the best coverage for pre-existing conditions or for acute onset of pre-existing conditions. The available travel insurance plans can also be filtered depending on the pre-existing condition coverage requirement.

This way it is easier for the customer to view the plans that provide good pre-existing condition coverage. In conclusion, the customer does not have a way to disclose what pre-existing condition they have in the application form. Again only INF insurance offers coverage for pre-existing conditions while other providers only offer acute onset of pre-existing condition coverage, and they will not be covered for the pre-existing condition unless the incident is reported by the doctor as a acute onset of a pre-existing condition.

The following is the visitors insurance pre-existing conditions coverage buy different US travel insurance providers:
INF Plans. These plans offer full Pre-existing conditions up to the pre-existing conditions coverage limit in the policy:

INF Elite Insurance comprehensive plans offers full pre-existing conditions up to 99 years. There is a minimum purchase of 90 days required on this plan.
INF Premier Insurance is fixed or scheduled benefit plan which offers full pre-existing conditions up to 99 years. There is a minimum purchase of 90 days is required on this plan.
INF Premier Plus Insurance is fixed or scheduled benefit plan which offers full pre-existing conditions up to 65 years. There is a minimum purchase of 90 days is required on this plan.

International Medical Group - IMG offers both full Pre-existing and Acute onset of Pre-existing condition coverage :

Patriot America plus insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years.
Visitors Protect is a comprehensive visitor medical insurance offers Pre-existing conditions up to age 99 years. A minimum purchase of 90 days is required on this plan.

WorldTrips offers acute onset of Pre-existing conditions:

Atlas America Insurance is a comprehensive visitor insurance that offers acute on set of pre-existing conditions aged up to age 79 years. (Excludes chronic condition or congenital condition)
Visitor Secure is a fixed benefit plan that offers acute on set of pre-existing conditions aged up to age 79 years. (Excludes chronic condition or congenital condition)

Trawick International offers Acute onset of Pre-existing conditions and sudden, unexpected recurrence of a Pre-existing Conditions:

Safe Travels USA travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.
Safe Travels USA Comprehensive plan covers acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).

Seven Corners offers acute onset of Pre-existing conditions:

Travel Medical Insurance comprehensive plans offers Acute on set of pre-existing conditions up to 79 years.
Travel Medical USA Visitor plans fixed plans offers Acute on set of pre-existing conditions up to 79 years.

The Lookback period is the period before the travel insurance policy's effective date during which the pre-existing medical condition must be stable. The look back period varies depending on the policy.

No, typically, you must not receive any treatment or medication for the pre-existing condition during the Lookback period to be eligible for coverage under the policy.

Yes, there is typically an age limit for purchasing visitors travel insurance for acute onset of pre-existing conditions. The age limit varies depending on the policy.

inf plans offers Full Pre-existing conditions up to 99 years.
Seven Corners and WorldTrips offers Acute on set of Pre-existing up to 79 years.
Trawick-International plans offers Acute on set and sudden and unexpected pre-existing conditions up to 89 years.
IMG Visitor Protect offers Pre-existing conditions up to 99 years and Patriot America Plus offers Acute on set of Pre-existing up to 70 years.

Travel insurance for acute onset of pre-existing conditions

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How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition.

Travel Insurance - Pre-existing conditions coverage

Compare and buy best pre-existing plans

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here:

The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
The plan provides acute onset of non-chronic pre-existing conditions coverage.
Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Best visitor insurance with pre-existing conditions coverage!

Compare travel insurance for pre-existing conditions

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Different types of US Visitors travel insurance

Fixed Benefit travel insurance

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan. This is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

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Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

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Steps to buy
US pre-existing condition travel health insurance online

Complete the travel insurance to America quote form with details of the traveler and insurance requirements.

Compare prices and benefits of the different travel insurance for visitors in us to find what fits your needs best.

Buy the insurance for travelers to usa that fits your needs and budget best by completing the online application.

Review the medical insurance for visitors to usa documents for coverage details and contact numbers

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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US travel insurance coverage for acute onset of pre-existing conditions

Hello,

I would like to buy US travel insurance that covers pre-existing conditions for my parents aged 73 years and 71 years.

Thanks
Lana

Hi Lana,

These policies are best if you are concerned with pre-existing medical conditions. You must purchase at least 90 days' coverage.

If your visitor will be staying for three months or longer, you may want to consider a plan we are offering called Elite plan from INF. It will cover 80% of expenses including many unexpected medical issues due to pre-existing conditions. The coverage is NOT limited to "acute onset" of pre-existing conditions. The look-back period for the plan is only 90 days which means you have a much better chance of having pre-existing medical conditions covered, especially if they are stable for your. The plan has a $75,000 maximum for persons over 69 years and $150,000 for persons under 70 with a $250 or $500 deductible (same for pre-existing condition coverage). It is an 80/20 plan covering 80% while you pay 20% of expenses.

This is the most complete plan available and will cost $7,344 for both your parents for 3 months' coverage with a $75,000 maximum and a $250 deductible.

INF Elite Network

This is a very unique plan offering "full" coverage for pre-existing conditions with such a short look back period for those conditions.

Please note that the plan does NOT cover routine, necessary treatment for a pre-existing conditions. The coverage is for any issue arising, not just "acute" (or something that must be treated right away) issues.

Another option is the same coverage for pre-existing conditions from a fixed plan. A fixed plan will pay a limited amount for each medical expense (it may not cover 100%), please see brochure for details. The plan is called INF Premier. Like the Elite plan above coverage is available up to $150,000 for persons under 70 years and $100,000 for those 70 to 99 years of age. Persons under 70 years can choose between a $250 or $75 deductible, with other clients choices of $250 or $500 deductible. With the Premier plan, you must choose the deductible for the pre-existing condition coverage and that determines the maximum coverage for acute onset of pre-existing conditions (the higher the deductible, the higher the maximum you are allowed).

This plan will cost about $2,617 for both parents for 3 months with a $100,000 maximum and a $250 deductible. For all information about the plan, go here:

INF Premier Plan

You can compare the plans here: Compare INF Pre-existing plans.

Another company offers coverage for their age group, but does NOT cover pre-existing conditions very well. The Safe Travels USA plan is offered by Trawick International. It offers coverage for "acute onset" of pre-existing conditions for up to $1000 for persons over 70 and under 90 years of age.

The price of the policy for younger travelers makes it an economical option for coverage of acute onset of pre-existing conditions up to the medical maximum for those under 70 years. The policy is available from any state in the US or can be purchased from abroad. The policy covers COVID-19 like any other illness. The policy can be purchased for a minimum of 5 days and extended for up to 365 days.

This plan will cost about $2789 for both parents for 3 months with a $50,000 maximum and a $250 deductible. For all details on the policy:

Safe Travels Elite

Another option is the fixed plan offered by this same company. It is called Safe Travels Elite Diamond and can be purchased for up to $50,000 and has the same limitations on coverage as above for the comprehensive plan, but remember that it is a fixed option and so has caps on individual medical expenses (as well as the maximums listed above). However, offers the best fixed coverage for acute onset of pre-existing conditions for persons over 70. This policy also covers COVID-19 like any other illness and can likewise be extended.

This plan will cost about $899 for both parents for 3 months with a $50,000 maximum and a $200 deductible.

Safe Travels Diamond

Do let us know if you have any further questions or concerns by email or phone. We are more than happy to assist you!

Let us know if you have any further questions or concerns about this or other plans you may find on our website. (Sorry for the long email, but I wanted to give you a full range of options!!)

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

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