Visitors insurance with pre-existing conditions for older travelers

Compare quotes for acute onset of pre-existing conditions insurance

Age & Citizenship
Child
Residence
Destination
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What does visitor travel 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.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions coverage.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

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Pre-existing conditions visitors insurance

Tips for travelers with pre-existing conditions

Here are some travel insurance tips for travelers with pre-existing conditions

  1. Choose a travel medical insurance with pre-existing conditions coverage.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of look back period for coverage of pre-existing conditions.
  4. Consider buying an US travel health insurance plan with higher medical coverage.
  5. Keep a copy of your medical records and list of medications when you travel.
  6. Take your Doctor's prescription and medications during your trip.
  7. Learn how to access healthcare at your destination.
  8. Contact your US traveler insurance provider immediately in case of a medical emergency.
  9. Disclose all pre-existing conditions when purchasing visitor health insurance.
  10. Follow all procedures while submiting a claim.

What is visitors insurance for pre-existing conditions?

There are many health insurance for us visitors options for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for an acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. This typically includes emergency medical treatment, hospitalization and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.

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.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is health insurance for travel to USA with pre-existing conditions coverage important?

Traveling anywhere outside worldwide is supposed to be an eye opening, special and a relaxed trip experience. Traveling with a health condition brings in more challenges in order to get covered for the unexpected medical expense in case of odd surprises during the trip. This calls out for an insurance plan that covers the pre-existing conditions that will relieve the unnecessary stress of taking extra care of yourself during your most memorable travel experience.

The plans also will be expensive considering the risks involved to cover pre-existing conditions. Many of the travel insurance plans exclude pre-existing conditions. At American Visitor Insurance we offer plans that cover acute onset of pre-existing conditions as well as some cover full pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01. 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. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02. What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06. Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans.

07. Why are Full Pre-Existing plans more expensive than other visitor medical insurance usa plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08. What services are covered under best travel insurance for usa visitors with full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

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.

Visitors insurance with pre existing conditions coverage

We are proud to work with multiple insurance companies which offer best visitors insurance with pre existing conditions plans. 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).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

01. For persons under 70 years of age

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 Plans

  • 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
  • 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.
  • 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 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.
  • 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.
  • 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
  • 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.
  • 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.
  • 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.
  • 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

  • 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.
  • 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.
  • 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.
  • 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.
  • 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 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)
  • 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.

02.For persons 70-79 years of age

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

  • 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 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.
  • 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.
  • 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 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
  • 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.
  • 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 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 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.
  • 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

  • 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.
  • 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
  • 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.
  • 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.

03.For persons 80-89 years of age

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

  • 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 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 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.
  • 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 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.
  • 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

  • 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.
  • 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

04. For persons 90 and over

  • 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
  • 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 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.
  • 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
  • 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.

05. More Questions & Limitations on 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.

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

There is no single cost for all visitors insurance as the cost varies based on several such as the age of the visitor, medical maximum coverage, deductible for the plan, type of travel insurance covering pre existing conditions (Fixed vs comprehensive travel insurance), and the coverage if any for pre-existing conditions. For an average traveler, there are cheapest holiday insurance with pre existing conditions at less than a dollar a day. In general the cost of overseas travel insurance with pre existing medical condition coverage starts from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the better and more comprehensive will be the travel insurance coverage.
  • INF Elite Insurance Full Pre-existing condition coverage

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    Estimate Plan Cost
    Price range $768 - $860
    Coverage range $150,000 - $300,000
    Buy now

    INF Elite Plus Insurance Full Pre-existing condition coverage

    • There is a minimum purchase of 90 days required to buy this plan.
    • Covers Preventive & maintenance care and coverage for full body physicals. Coverage for TDAP, Flu, etc Vaccines
    • Anyone visiting USA or Canada can enroll in this plan.
    • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    • Pre-Existing complications from Covid-19 covered.
    Estimate Plan Cost
    Price range $768 - $860
    Coverage range $150,000 - $300,000
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    INF Elite 90 Insurance Full Pre-existing condition coverage

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Covers 90% of eligible medical expenses
    • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    Estimate Plan Cost
    Price range $752 - $841
    Coverage range $150,000 - $300,000
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    INF Premier Insurance Full Pre-existing condition coverage

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan
    • Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and 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.
    • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
    Estimate Plan Cost
    Price range $278 - $448
    Coverage range $150,000 - $300,000
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    INF Premier Plus Insurance Full Pre-existing condition coverage

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan
    • Covers preventive & maintenance care
    • Coverage for TDAP, Flu, etc Vaccines
    • 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.
    • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
    Estimate Plan Cost
    Price range 1038
    Coverage range $300,000
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  • Patriot America Plus Insurance Acute onset of Pre-existing condition coverage

    • 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
    Estimate Plan Cost
    Price range $90 - $170
    Coverage range $50,000 - $1,000,000
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    Visitors Protect Insurance Full Pre-existing condition coverage

    • It is an affordable plan for visitors visiting the US.
    • This plan covers pre existing condition for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
    • Visitors Protect Covid insurance offers coverage for coronavirus illness.
    Estimate Plan Cost
    Price range $485 - $728
    Coverage range $50,000 - $250,000
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  • Travel Medical Choice Insurance Acute onset of Pre-existing condition coverage

    • 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 14 days to 69 years, $50k coverage is available and 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 14 days to 69 years, $75k coverage is available and 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 $50,000 for age under 64 years and a coverage of $10,000 for age of 65-79.
    Estimate Plan Cost
    Price range $160 - $290
    Coverage range $50,000 - $1,000,000
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    Travel Medical Basic Insurance Acute onset of Pre-existing condition coverage

    • 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 and a coverage of $2,500 for age of 70-79.
    • 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 of 65-79.
    Estimate Plan Cost
    Price range $110 - $180
    Coverage range $50,000 - $1,000,000
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  • Atlas America Insurance Acute onset of Pre-existing condition coverage

    • Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
    • Atlas America Covid insurance offers coverage for coronavirus illness.
    Estimate Plan Cost
    Price range $110 - $230
    Coverage range $50,000 - $2,000,000
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    Visitor Secure Insurance Acute onset of Pre-existing condition coverage

    • It offers coverage for acute onset of pre-existing conditions up to 70 years.
    • Plan can be renewed up to 364 days.
    Estimate Plan Cost
    Price range $40 - $80
    Coverage range $50,000 - $130,000
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  • Safe Travel USA Comprehensive Insurance Acute onset of Pre-existing condition coverage

    • Covers Acute onset of Pre-existing condition coverage: Covers Acute onset of Pre-existing condition coverage up to 69 years the limit is up to the medical maximum purchased per period of coverage and for any coverage related to cardiac disease, coverage is limited to $25,000.
    • Up to $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation.
    • It offers coverage for visitors up to 89 years.
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    Estimate Plan Cost
    Price range $90 - $160
    Coverage range $50,000 - $1,000,000
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    Safe Travel USA Insurance Unexpected recurrence of a Pre-existing coverage

    • 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.
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    Estimate Plan Cost
    Price range $90 - $160
    Coverage range $50,000 - $1,000,000
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    Safe Travel USA Cost Saver Insurance Unexpected recurrence of a Pre-existing coverage

    • Covers unexpected recurrence of a pre-existing medical conditions up to $1000
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    • Eligible for foreign residents visiting USA and worldwide
    • It offers coverage for visitors up to 89 years.
    Estimate Plan Cost
    Price range $70 - $120
    Coverage range $50,000 - $1,000,000
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    Safe Travels Elite Insurance Acute onset of Pre-existing condition coverage

    • Foreign residents visiting USA and worldwide.
    • Plan can be renewed up to 2 years.
    • 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.
    • Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
    Estimate Plan Cost
    Price range $40 - $60
    Coverage range $50,000 - $175,000
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  • Diplomat America Insurance Pre-existing condition exclusion

    • This plan is for Non Us citizens and Non US residents visiting the US.
    • Covers pre-Existing condition exclusion: 24 Months prior to the start date of coverage
    Estimate Plan Cost
    Price range $130 - $220
    Coverage range $50,000 - $1,000,000
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  • Visit USA Insurance Acute onset of Pre-existing condition coverage

    • 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)
    Estimate Plan Cost
    Price range $50 - $190
    Coverage range $50,000 - $250,000
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Travel Insurance for Pre-existing - FAQ's

01. Which travel insurance covers Asthma?

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).

02. Do I need to declare Arthritis on travel insurance? Do I have to declare Rheumatoid Arthritis on travel insurance?

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.

03. Can you get travel insurance if you have a pre-existing condition?

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.

05. Is OsteoArthritis a pre-existing condition?

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.

06. Which travel insurance covers heart attack?

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.

07. Is Arthritis covered by insurance?

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.

08. Do travel insurances cover pre-existing conditions?

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.

09. Which policy covers pre-existing diseases?

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

  1. Atlas travel plan from World trips
  2. Visitors Protect plan from IMG
  3. Patriot America Plus plan from IMG
  4. Travel Medical Choice plan from Seven Corners
  5. Travel Medical Basic plan from Seven Corners
  6. Safe Travels USA plan from Trawick International
  7. Safe Travels USA Comprehensive plan from Trawick International
  8. Safe Travels Elite plan from Trawick International
  9. INF Premier plan from INF
  10. INF Elite plan from INF
  11. INF Elite Plus plan from INF
  12. INF Elite 90 plan from INF
  13. VisitorSecure Insurance plan from World trips

10. What counts as a pre-existing condition for travel insurance?

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.

11. Which medical condition affect travel insurance?

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.

12. Is there a waiting period for pre-existing conditions?

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.

13. Can I exclude a medical condition from travel insurance?

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.

14. What happens if you don't disclose pre-existing condition travel insurance?

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.

15. What is the pre-existing medical conditions coverage under visitors travel insurance?

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:

16. What is the Look back period for pre-existing conditions in travel insurance?

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.

17. Can I receive treatment or take medication for my pre-existing medical condition during the Lookback period and still be eligible for coverage?

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.

18. Is there an age limit to purchase visitors travel insurance for acute onset of pre-existing conditions?

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.

19. Can a Green Card holder buy INF plans?

Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.

20. Can I purchase INF travel insurance plans if I am already abroad?

Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:

  • Latest I -94
  • Health attestation form
  • Any prior health insurance information (if applicable)

The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.

Note : Hop Travel Assist plans are not available if visitors are already in abroad

21. Can I purchase INF travel medical insurance if I already have pre-existing conditions?

Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers Premier, Elite, Elite Plus and Elite 90 plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.

22. What is INF travel medical insurance for pre-existing conditions?

INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.

The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.

INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Elite, INF Elite Plus and INF Elite 90. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.

23. What is the cost of INF insurance for visitors to the United States?

The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.

24. What are the different types of INF insurance for visitors to the USA?

The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan.

25. What is the difference between the three INF Elite insurance plans?

The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.

The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.

26. How do I apply for INF insurance?

You can apply for INF insurance online through American Visitor Insurance. You can also call them at (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.

27. What is the maximum length of coverage in INF insurance?

The maximum length of coverage for INF insurance is 364 days.

28. For which countries can I buy INF travel insurance?

INF insurance is available for international visitors to the United States, Canada or Mexico.

29. What are the requirements for applying for INF insurance?

The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call (877) 340 7910 to get help in applying for INF insurance.

30. What is the eligibility to buy INF insurance?

To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.

31. What is the minimum requirement to buy INF Elite and Premier plans?

There is a minimum purchase of 90 days required to buy these INF Elite plans.

32. What is the advantage of having the United Healthcare PPO in visitors insurance offered by INF ?

The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).

For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.

33. Why is travel insurance to USA so expensive?

USA Travel insurance cost depends on the following factors indicating why it is very expensive.

  1. US health care costs is significantly higher compared to most other nearby countries like Canada or Mexico, or even to other developed countries in Europe like the UK and France. The cost of healthcare services, hospital stays, and medication is exorbitant in the US. Given this, the US travel insurance companies adjust their premiums to reflect the higher healthcare costs in the USA.
  2. Some plans provide travel insurance for pre-existing conditions. This additional option which is very useful for older travelers and those with existing medical ailments significantly increase the overall cost of travel insurance.
  3. The United States also has a litigious culture, and the risk of healthcare related lawsuits is higher. US travel insurance providers need to account for potential legal expenses and settlements, leading to higher premiums in the travel insurance plans.
  4. The overall high standard of living in the US contributes to increased costs for various services, including healthcare. Insurance providers factor in the higher living expenses when determining premiums.
  5. The US has been facing higher inflation in the past few years. This has resulted in higher healthcare costs, and hence higher travel insurance premiums.
  6. US Travel insurance is a mature market, offering a range of travel health insurance options. The comprehensive travel insurance plans often includes coverage for emergency medical evacuations where extensive medical facilities may be required hence contributing to higher premiums. Comprehensive visitors insurance offer high coverage limits for medical expenses and other benefits such as for acute onset of pre-existing ailments, and all this contribute to higher premiums.

Despite travel insurance for the US being expensive, it is extremely risky to be uninsured in the United States. US insurance companies work with preferred provider (PPO) networks that are linked to the hospital and healthcare facilities. Patients who have health insurance and go to a PPO provider get billed significantly lower than those patients who do not have any insurance coverage. Simply having health insurance reduces hospital bills, along with this price reduction is the actual healthcare expenses which are paid for by the medical insurance plans.

Best health insurance for visitors to usa with pre-existing conditions

Difference in coverage for pre-existing conditions by INF US visitor insurance.

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 pre-existing 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, Elite Plus and INF Elite 90 best travel insurance for pre existing conditions

Compare the best travel insurance for full pre-existing conditions plans INF Premier & INF Elite best travel insurance for pre-existing conditions.

Note: **INF Premier, Elite, Elite Plus and Elite 90 plans 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, Elite Plus and INF Elite 90 plans.

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

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

1. The INF Elite Insurance 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.

2. Safe Travels USA Comprehensive Insurance 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).

3. 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..

4. Patriot America plus Insurance 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.

5. Visitors Protect Insurance 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.

6. Safe Travels USA Insurance 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!

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Different types of US Visitors insurance

Fixed Benefit travel insurance

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

Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

Comprehensive travel insurance

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.
Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

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

 1: Finding the available US travel insurance plans

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

 2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

 3: Buy the travel insurance that you like best

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

 4: Review insurance plan documents received by email

Review the travel insurance documents received by email closely for coverage details and relevant contact numbers

Find out more about visitors insurance pre existing condition

Frequently asked questions about visitor insurance with pre existing conditions coverage?

01. 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.

02. Are there any medical tests required to buy pre existing visitor insurance?

No, there are no medical tests required for purchasing visitor travel insurance to usa with pre existing conditions.

03. Which are the USA travel health insurance that cover 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.

04. Why should I get visitor medical insurance with coverage for pre-existing medical conditions?

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.

More visitors insurance for pre existing conditions FAQ's

Visitors Insurance Covering Pre-existing Conditions - Article

Insurance Coverage for older travelers with Pre-existing Conditions

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Pre-Existing conditions insurance for visitors - Review

Best of the Best Coverage for Pre-existing Medical Conditions

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Visitor insurance with pre-existing coverage

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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.

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:

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

US travel insurance for Pre-existing conditions


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