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

US travel insurance provides coverage for unexpected medical expenses while traveling outside your home country. Some travel insurance plans also cover the acute onset of pre-existing conditions, including serious asthma attacks that require immediate attention, but typically exclude chronic or congenital conditions. Acute onset means the condition arises suddenly and must be treated promptly, usually within 24 hours of symptom onset.

A pre-existing condition may not need a prior diagnosis. If it is reasonable to assume the condition started before the start date of the insurance policy, it is considered pre-existing. Keep in mind, chronic conditions (which worsen over time) and congenital conditions (present from birth) are generally excluded from acute onset coverage.

If asthma is not classified as a chronic condition, an emergency asthma attack may be covered by travel insurance plans that include acute onset pre-existing conditions. Regular maintenance treatments, such as ongoing medication or routine doctor visits for asthma, are typically not covered and must be paid out-of-pocket by the insured.

Medication costs in the US can vary widely depending on the pharmacy. Some common generic medications may be available for around $40 per month at stores like Walmart, though wait times may apply. Many drug companies offer coupons, and pharmacies often provide discount cards that can help travelers save money on prescriptions.

Travelers should carry prescriptions to show authorities or pharmacists, particularly for regulated medications, to ensure compliance with local regulations. These steps can help visitors manage costs while maintaining access to necessary asthma medications during their stay in the USA.

For most short-term travel insurance plans, you do not need to declare Arthritis or Rheumatoid Arthritis. These plans offer guaranteed coverage with no medical questions. However, they exclude pre-existing medical conditions, so any medications you use regularly or for flare-ups will not be covered.

Short-term travel policies typically exclude Arthritis because it rarely leads to life-threatening situations. If you are a frequent traveler seeking comprehensive global medical coverage for any country, you may consider a global health insurance plan. After the first year, these policies can cover most health costs. You can compare and buy global health insurance policies.

Global medical insurance applications require you to disclose your full medical history. Coverage is not guaranteed—applications go through underwriting, and you may be approved, approved with exclusions, or rejected. You can cancel the policy within 10 days at no cost or reject the required exclusions. These plans are ideal for travelers seeking coverage for a full year or longer.

Once approved, global medical policies provide guaranteed coverage year after year, and pricing is based on your age, not your individual medical history. For these policies, you must declare Arthritis, and coverage for this condition will depend on the policy terms offered after underwriting.

Absolutely! You can get travel insurance for pre existing conditions. Travel insurance is designed to protect you in case of a sudden illness or accident while traveling. Even if you have a pre-existing condition, this does not affect coverage for unexpected illnesses or injuries.

Keep in mind that your existing conditions are generally excluded from coverage. Make sure to pack enough medication for your pre-existing condition for the entire duration of your trip to stay safe and prepared.

Yes. Any medical condition you have been diagnosed with or are actively managing, including OsteoArthritis, is considered a pre-existing condition for a new travel insurance policy. Regular medications for your condition are not covered.

However, if you have an accident, like a fall or broken bone, that event is generally covered, even if your condition contributed to the incident. Travel insurance protects you from sudden illness or accidental injury during your trip, making it valuable even for travelers with pre-existing conditions.

This question depends on your travel situation. For travelers visiting the US from abroad, most visitors insurance for pre existing conditions does not cover heart attacks caused by plaque buildup in arteries. This is because travel insurance generally excludes pre-existing conditions, especially chronic conditions like heart disease.

Travel insurance still helps cover unexpected medical emergencies or accidents while on your trip. For US residents traveling abroad, some trip cancellation plans can waive pre-existing condition exclusions if purchased shortly after booking your trip.

Plans like GeoBlue student and GeoBlue travel plans also waive the exclusion if you had prior credible US insurance. Similarly, Safe Travels Outbound plans may cover pre-existing conditions if they have been stable for the last 6 months (no changes in episodes, treatment, or medication).

You can compare these options here: Compare Safe Travels Outbound Insurance plans.

No. Short-term travel health insurance is designed to cover sudden illnesses or accidents, such as stomach flu, sprains, or broken bones. Since Arthritis is not life-threatening, it is generally not covered by visitor insurance for pre existing conditions in USA.

If you require regular medications or ointments for Arthritis, bring them with you or purchase them in the visiting country. Note that some countries may not require prescriptions for certain medications, but always use caution with new medicines and consult your physician if possible.

Yes, some US travel insurance providers offer coverage for pre-existing conditions. For example, INF Elite X and INF Premier X travel plans provide coverage for acute onset of pre-existing conditions, giving visitors greater flexibility and peace of mind. These visitor insurance plans for pre existing conditions in USA are ideal for travelers seeking protection for sudden medical emergencies related to existing health issues.

If you are looking for visitor insurance for pre existing conditions in USA, the following travel insurance plans provide coverage for 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

A pre-existing condition is any illness, condition, or disease that exists at the time of application for visitor insurance for pre existing conditions in USA, regardless of whether it has been treated, diagnosed, or disclosed to the insurance provider. This also includes any complications, consequences, or follow-up issues arising from that condition during your trip.

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.

Most visitor insurance for pre existing conditions in USA does not have a traditional waiting period, but many plans have a look-back period to determine eligibility for coverage of pre-existing conditions.

Most travel insurance plans only cover the acute onset of pre-existing conditions. INF is an exception, offering coverage for pre-existing conditions up to the plan’s defined limit through INF Premier and INF Elite travel insurance plans.

US student medical insurance plans, which are suitable for international students coming to the US, may have a waiting period of 6 to 12 months depending on the plan selected.

Travel insurance plans are designed to cover unexpected sickness or injuries during your trip. They provide benefits such as emergency medical evacuation, repatriation, and coverage for the acute onset of pre-existing conditions.

If you have a specific medical condition that you do not want covered, you can still purchase travel insurance to protect against unexpected medical accidents and high-cost emergency claims.

Most US short-term travel insurance plans are purchased online through a simple application form. Typically, these forms do not specifically ask about your pre-existing conditions.

At American Visitor Insurance, our quote forms allow you to indicate if you need coverage for pre-existing conditions. This helps display the best visitor insurance for pre existing conditions in USA or plans covering acute onset of pre-existing conditions. You can also filter plans based on pre-existing condition coverage requirements.

Note: Only INF insurance plans provide broader coverage for pre-existing conditions. Other providers generally only cover emergencies classified as an acute onset of a pre-existing condition. Coverage for chronic or stable pre-existing conditions is typically excluded unless triggered by an acute onset.

The following is a detailed guide to visitors insurance pre-existing conditions coverage offered by different US travel insurance providers:

INF Plans: These plans provide full coverage for pre-existing conditions up to the policy limit:

• INF Elite Insurance – Comprehensive plan offering full pre-existing condition coverage up to age 99. Minimum purchase of 90 days required.
• INF Premier Insurance – Fixed or scheduled benefit plan offering full pre-existing condition coverage up to age 99. Minimum 90-day purchase required.
• INF Premier Plus Insurance – Fixed or scheduled benefit plan offering full pre-existing condition coverage up to age 65. Minimum 90-day purchase required.

International Medical Group – IMG offers both full pre-existing and acute onset of pre-existing conditions coverage:

• Patriot America Plus – Covers acute onset of pre-existing conditions up to the chosen maximum for travelers up to 70 years.
• Visitors Protect – Comprehensive visitor medical insurance covering pre-existing conditions up to age 99. Minimum 90-day purchase required.

WorldTrips offers coverage for acute onset of pre-existing conditions:

• Atlas America Insurance – Comprehensive visitor insurance covering acute onset of pre-existing conditions up to age 79. (Excludes chronic or congenital conditions)
• Visitor Secure – Fixed benefit plan offering acute onset of pre-existing conditions up to age 79. (Excludes chronic or congenital conditions)

Trawick International plans provide coverage for acute onset and sudden, unexpected recurrence of pre-existing conditions:

• Safe Travels USA – Covers sudden, unexpected recurrence of pre-existing conditions for non-US citizens and non-US residents visiting the USA up to age 89.
• Safe Travels USA Comprehensive – Covers acute onset of pre-existing conditions up to age 89. Under 70, medical treatment is covered to policy maximum (cardiac treatment up to $25,000). Over 70, acute onset benefits reduced to $35,000 (cardiac treatment up to $15,000).

Seven Corners – Offers coverage for acute onset of pre-existing conditions:

• Travel Medical Insurance – Comprehensive plans covering acute onset of pre-existing conditions up to age 79.
• Travel Medical USA Visitor plans – Fixed plans offering coverage for acute onset of pre-existing conditions up to age 79.

The look-back period in visitor insurance for pre-existing conditions in USA is a critical factor in determining eligibility for coverage. It refers to the timeframe prior to the policy start date during which the insurer reviews your medical history to identify pre-existing conditions.

Chronic conditions such as diabetes, heart disease, high blood pressure, pregnancy, and cancer are usually considered pre-existing, even if they occur outside the look-back period. These conditions require ongoing care, indicating they existed before the policy's effective date.

Typically, the look-back period ranges from 60–180 days up to 1–3 years depending on the plan and insurance provider. Any medical condition treated or with identified symptoms within this timeframe is considered a pre-existing medical condition.

No. Typically, to be eligible for visitor insurance pre-existing conditions coverage, you must not receive any treatment or take medication for the pre-existing condition during the Look-back period. Any treatment or medications during this timeframe may affect eligibility for coverage under the policy.

Yes, there are age limits for purchasing visitors travel insurance for acute onset of pre-existing conditions. The maximum age allowed depends on the insurance provider and plan type.

• INF plans offer full pre-existing condition coverage up to 99 years.
• Seven Corners and WorldTrips provide coverage for acute onset of pre-existing conditions up to 79 years.
• Trawick International plans cover acute onset and sudden, unexpected pre-existing conditions up to 89 years.
• IMG – Visitor Protect offers full pre-existing condition coverage up to 99 years, and Patriot America Plus covers acute onset of pre-existing conditions up to 70 years.

A pre-existing condition for travel health insurance is any disease or medical condition that a person has already been diagnosed with, is being treated for, or reasonably exists before the start date of the travel insurance policy. Insurance companies use a Look-back period to determine whether a condition qualifies as pre-existing. Click here to read more.

No. There are no medical tests required for purchasing visitor health insurance for US visitors with pre-existing conditions. You can easily buy coverage online without undergoing any exams.

Most short-term visitor insurance plans do not cover pre-existing medical conditions. However, some plans provide limited coverage for acute onset of pre-existing conditions. You can compare USA travel health insurance that cover pre-existing conditions using our compare tool.

Many travelers, especially older visitors, take medications for certain medical conditions. These conditions are considered pre-existing by insurance companies. Without coverage, the policy may pay $0 for incidents related to these conditions. Acute onset coverage for pre-existing conditions protects against sudden, life-threatening emergencies, giving you peace of mind during your trip. For more details, Best visitor insurance for pre-existing medical conditions.

Each insurance company defines a pre-existing condition slightly differently. Generally, it is any medical condition that you have been diagnosed with, are being treated for, or existed before the start of the travel insurance policy. Even undiagnosed chronic conditions may be considered pre-existing. Many policies also require the condition to be stable before coverage applies.

Some US visitor health insurance plans cover only unexpected medical issues during your trip and exclude chronic or pre-existing conditions. If a condition existed before the policy start date, even if undiagnosed, it may be excluded. However, plans offering acute onset of pre-existing conditions coverage can provide benefits if there is a sudden worsening of a pre-existing condition during your trip.

Yes, cancer is considered a pre-existing condition for travel health insurance. If a person has been diagnosed with cancer, received treatment, or is under follow-up care or medication before the start of the policy, it will be treated as a pre-existing medical condition.

Most visitor insurance for pre-existing conditions does not cover cancer unless the plan specifically includes it or provides benefits for the acute onset of pre-existing conditions. Travelers with cancer should carefully review plans and select travel health insurance for cancer patients to ensure adequate coverage while visiting the USA.

Yes, most visitor insurance for pre-existing conditions offers coverage for acute onset of pre-existing conditions up to the age of 69–70 years with limited benefits. Some plans, such as Visitors Protect, INF Premier X, and INF Elite X, provide full coverage for pre-existing conditions up to the age of 99 years, though premiums may be higher.

Elderly visitors are more likely to have chronic illnesses such as diabetes, hypertension, or heart disease. Without US visitor insurance for pre-existing conditions, any medical emergencies related to these conditions during their stay could result in high out-of-pocket costs. Travel insurance to USA with pre-existing conditions provides elderly travelers access to necessary medical care without financial strain.

Prescription drugs are generally covered only when prescribed for a covered illness or emergency while in the USA. Routine, chronic maintenance medications or refills of pre-existing prescriptions from home are usually not covered under visitor insurance for pre-existing conditions.