Visitors insurance with pre- existing conditions for older travelers

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 coverage insurance for US Visitors

Traveler's age
Dependents under 18
5. Citizenship
  
6. Countries where coverage is required
USA only ALL nations including USA ALL nations excluding USA
6. Mailing & permanent address
Same
7. How long has the traveler been in USA?
Coverage preference
It is heart breaking that so many international travelers have to change their US travel plans due to COVID-19. USA has shockingly become the center of the global pandemic, with over 14.2 million Covid19 patients and sadly over 276,273 fatalities. In this context it is important to have good Covid 19 visitor visa health insurance USA coverage. International travelers to the USA can use the compare covid health insurance travel to usa utility at American Visitor Insurance to find the best Covid 19 tourist insurance. There are currently four US insurance providers namely
  • Trawick International
  • Seven Corners
  • INF insurance
  • Tokio Marine HCCMIS
  • Travel Insure
  • International Medical Group (IMG)
  • Global Underwriters
who offer US Visitors insurance coverage for coronavirus. Visitors can compare Covid19 US visitor medical insurance and buy visitor insurance usa for coronavirus.
Travel Insurance with covid coverage for visiting USA

Trawick International Covid19 travel insurance

Trawick International offers visitor medical insurance for coronavirus (covid-19) with their Safe Travels USA Insurance. The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. You can compare Safe Travels USA Covid 19 travel insurance plans and buy it online to get coverage as early as the following day. After buying the Covid 19 US travel insurance, travelers can download a visa letter which indicates that Safe travels USA visitors insurance covers covid 19 illness.

Seven Corners Covid visitors insurance

Liaison Travel Plus Insurance offers best Seven Corners covid health insurance for visitors to USA. The Sevencorners coronavirus visitor insurance treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

International Medical Group (IMG) Coronavirus insurance

International Medical Group (IMG) Covid travel insurance offers coronavirus insurance for USA. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID-19 like any other illness. The Patriot America Plus Covid Insurance and Patriot America Platinum coronavirus insurance include COVID coverage up to the policy maximum.

Global Underwriters Covid US visitor insurance

Diplomat America Covid19 visitors insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Diplomat Long term Covid19 medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Covid19 Diplomat Insurance for visitors to USA.

Tokio Marine HCCMIS insurance

Atlas travel insurance with coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

INF Covid 19 US travel insurance

INF Insurance offers visitors health insurance for coronavirus in the US, Canada and Mexico as any other illness. You can compare INF Covid19 US visitor insurance and the best suitable medical coverage for coronavirus while in USA.
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 with pre existing conditions coverage

We are proud to work with multiple insurance companies which offer best pre-existing condition insurance plan for visitors. 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.

Visitors Insurance pre existing conditions coverage - FAQ's

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
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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
IMG

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
seven corners

Liaison Choice

Liaison Choice up to $30,000 for non-US citizens.
Buy Liaison Choice online
hccmis

Atlas Premium

Atlas Premium covers up to overall maximum limit
Buy Atlas Premium online
seven corners

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
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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
seven corners

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
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.

Best coverage
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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

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
hccmis

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
hccmis

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
trawick

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
trawick

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
seven corners

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
seven corners

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
seven corners

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
seven corners

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
trawick

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
trawick

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
We have a few policies to accommodate the older travelers.

Best coverage
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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
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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
trawick

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
trawick

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
trawick

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
trawick

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
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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
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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
seven corners

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
seven corners

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.

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.

Best travel insurance for pre-existing conditions, Visitor health insurance for non-us citizens with pre-existing conditions

Best health insurance for visitors to USA with pre-existing conditions- Comprehensive plans

IMG

Patriot America Plus Insurance

  • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
  • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
  • Available for US citizens visiting USA
Buy Patriot America Plus online
hccmis

Atlas America Insurance

  • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
  • Atlas America Covid insurance offers coverage for coronavirus illness.
Buy Atlas America online
trawick

Safe Travel USA Comprehensive

  • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
  • Covers Acute Onset of a Pre-Existing Condition: For age up to 69 years the limit is up to the Medical Policy Maximum purchased per Period of Coverage. For any coverage related to cardiac disease or conditions, coverage will be limited to $25,000 up to age 69 years and $15,000 for ages 70 and above. For above 70 years Acute Onset benefits will be reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Provides coverage for an Acute Onset of a Pre-Existing Condition. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
  • It offers coverage for visitors up to 89 years.
Buy Safe Travel USA Comprehensive
trawick

Safe Travel USA

  • Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
  • Safe travel USA Covid insurance offers coverage for coronavirus.
  • It offers coverage for visitors up to 89 years.
Buy Safe Travel USA
trawick

Safe Travel USA Cost Saver

  • Covers unexpected recurrence of a pre-existing medical conditions up to $1000
  • Safe travel USA Cost Saver Covid insurance offers coverage for coronavirus.
  • Eligible for foreign residents visiting USA and worldwide
  • It offers coverage for visitors up to 89 years.
Buy Safe Travel USA Cost Saver
seven corners

Liaison Travel Plus Insurance

  • Liaison Travel Plus Covid insurance offers coverage for coronavirus sickness
  • Covers expenses for treatment of acute onset of pre-existing conditions (up to 75 years)
Buy Liaison Travel Plus online
seven corners

Liaison Travel Elite Insurance

  • This plan provides a policy maximum of as high as $5,000,000 and for people above 80 years, plan provides a policy maximum of $20,000
  • Acute onset of pre-existing condition coverage is available for up to $50,000 for people below 70 years and $10,000 for people above 70 years.
Buy Liaison Travel Elite online
seven corners

Liaison Travel Choice Insurance

  • The policy maximum is available up to $5,000,000 for people up to 79 years and reduces to $15,000 for people above 80 years.
  • Acute onset of pre-existing conditions are covered up to $30,000 up to the age of 69 years and a coverage of $5,000 is available for people above the age of 70 years.
Buy Liaison Travel Choice online
seven corners

Liaison Travel Basic Insurance

  • 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 $15,000
  • Acute onset of pre-exisitng condition is available for up to $15,000 for the age group up to 69 years. For people above thi sup to 80 years, it is covered for $2,500.
Buy Liaison Travel Basic online
Best US visitor pre-existing condition insurance - Fixed plans
IMG

Visitors Care Insurance

  • Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
  • Plan can be renewed up to 2 year.
Buy Visitors Care online
Travel Insure

Visit USA Insurance

  • 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.
Buy Visit USA online
hccmis

Visitor Secure Insurance

  • It offers coverage for acute onset of pre-existing conditions up to 70 years.
  • Plan can be renewed up to 364 days.
Buy Visitor Secure online

Visitor insurance with pre existing conditions coverage, Health insurance for visitors to USA with pre existing conditions

Why are INF Full travel medical insurance for visitors with pre-existing conditions plans more expensive than other visitor insurance covering pre existing conditions?
The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. Full pre-existing conditions visitor insurance coverage includes In-Patient, out-patient, urgent-care, and specialist visits. An example could be where the visitor has existing heart ailments. During the visit to the US, they begin experiencing heart pain. The visitor can see a cardiologist and this would be covered under the full pre-existing condition coverage. Prescription Medications are covered if prescribed for this incident caused by a pre-existing condition. However maintenance medications, such as Lipitor, are not covered under this plan. This entire situation would likely be excluded under 'acute onset of existing ailments' unless the situation deteriorates and becomes life threatening. Basically, INF Plans treats any issue related to a pre-existing condition like a New Accident & Sickness, subject to the policy maximum and deductible limits. This is the main reason why 'Full pre-existing conditions coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions'.

Does INF travel insurance really offer coverage for all preexisting conditions?
In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier & INF Elite Network best travel insurance for pre existing conditions..
Note: **Both the Premier plan and Elite plan have a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

Are prescription medications covered by INF’s visitor insurance with pre-existing conditions coverage plans?
Prescription Medications are covered when prescribe for a recent incident caused by a pre-existing condition. Maintenance medications, such as Lipitor, are not covered under this plan. In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier & INF Elite Network best US visitor insurance for pre existing conditions.

Best visitor insurance with pre-existing conditions coverage!

Compare travel insurance for pre-existing conditions
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Find out more about Pre-existing condition visitors insurance

Frequently asked questions about visitors insurance for pre-existing conditions coverage?

What is a pre-existing condition for travel health 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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Popular pre-existing conditions for visitors to the USA plans which have coverage for pre-existing conditions.

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