No, travel medical insurance does not cover the cost of returning to your home country for treatment of pre-existing conditions such as diabetes. Visitor insurance is designed to provide coverage for new medical emergencies or, in some plans, for the acute onset of pre-existing conditions while the insured is still in the U.S.
If your father-in-law’s condition becomes serious and he needs to return home, the travel insurance may cover emergency medical evacuation only if it is medically necessary and pre-approved by the insurance company but not for routine or ongoing treatment of pre-existing conditions.
No, none of the planned medical expenses for pre-existing conditions will be covered by any visitor insurance plans. If your mother has a heart pre-existing condition, it will be excluded by the visitor insurance plan coverage. The plans that provide pre-existing coverage do so for acute onset of existing conditions and have very specific limitations for their coverage. Please review the policy brochure for more details. Access more information and brochures using our plans comparison tool.
Mental and Nervous disorders, maternity and new born 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.
Pregnancy is usually considered a pre-existing condition and is not covered under most visitor insurance plans. Routine prenatal care, delivery, and postnatal expenses are typically excluded.
However, some specialized plans offer coverage for pregnancy-related emergencies or complications. For example, Atlas America and Atlas Premium America provide coverage for pregnancy complications up to 26 weeks, while Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive plans cover emergency medical treatment related to pregnancy during travel.
Yes, you can invite your parents to the U.S. even if they have pre-existing conditions. However, most visitor insurance plans do not cover routine or ongoing treatment for existing medical issues.
If your parents need broader protection, INF Elite X, INF Premier X plans offer full pre-existing condition coverage, including future medical emergencies related to those conditions.
Other plans such as Patriot America Plus, Venbrook Premier, Safe Travels USA Comprehensive and Atlas America offer coverage only for the acute onset of pre-existing conditions meaning a sudden and unexpected recurrence that needs immediate medical attention.
It’s best to compare travel insurance plans for parents with pre-existing conditions to choose the most suitable option based on coverage, cost, and medical needs.
No, regularly required medical expenses for pre-existing conditions will be covered by any visitor insurance plans. If your father-in-law has a kidney pre-existing condition which needs planned regular dialysis, this will not be covered by the visitor insurance plan coverage. The plans that provide pre-existing coverage do so for acute onset of existing conditions and have very specific limitations for their coverage. Please review the policy brochure for more details. The policy brochures can be accessed through our pre-existing coverage visitor insurance comparison tool.
Since your mother-in-law had a heart attack in the past, her condition is considered a pre-existing condition, and most visitor health insurance plans will not cover routine or ongoing treatment for heart disease.
However, several plans provide emergency coverage for heart-related issues depending on the situation:
These plans, available through American Visitor Insurance, offer valuable protection and peace of mind for travelers with a history of heart disease or cardiovascular risks while visiting the U.S.
Most visitor medical insurance plans do not have a waiting period for pre-existing conditions because they do not cover routine or ongoing treatment for them. However, some plans that offer coverage for acute onset of pre-existing conditions provide protection immediately after the policy becomes effective, as long as the condition occurs suddenly and unexpectedly after the start date.
For plans that offer full or limited pre-existing coverage (like INF Elite X, INF Premier X, and Visitors Protect), there is also no waiting period coverage begins from the effective date of the policy.
You can compare and buy these plans easily through American Visitor Insurance, which offers top-rated options for visitors needing coverage for pre-existing conditions. Always review each plan’s brochure carefully, as definitions and eligibility rules can vary between providers.
Yes, many people can travel after a heart attack, but it is important to plan carefully and get medical clearance from your doctor. Make sure your condition is stable and that you are fit for travel.
Having heart attack travel insurance cover is essential to protect against medical emergencies while abroad. American Visitor Insurance offers several suitable plans, including INF Elite X, INF Premier X, INF Elite Plus X, Visitors Protect, Safe Travels USA Comprehensive and Venbrook Premier, which provide coverage for pre-existing heart conditions or the acute onset of cardiac events.
Other important steps include carrying your medical records, taking enough medication, knowing the location of hospitals and emergency services, monitoring your condition during travel, and traveling with a companion when possible.
Routine treatment, medication, or regular doctor visits for diabetes or hypertension are not covered under visitor medical insurance. However, if your father experiences an acute medical emergency related to these conditions during his trip, certain plans can provide coverage.
For acute onset of pre-existing conditions: Plans like Venbrook Premier Safe Travels USA Comprehensive, and Travel Medical Choice offer protection for unexpected medical emergencies due to diabetes or hypertension.
For full pre-existing condition coverage: Plans such as INF Premier X and INF Elite X cover pre-existing conditions comprehensively, including future medical emergencies related to diabetes or high blood pressure.
These plans offer peace of mind by ensuring access to emergency medical care while visiting the U.S. You can also explore more options on our visitor insurance for high blood pressure page for detailed coverage information.
Yes, if any emergency related to your mother’s pre-existing heart condition arises during travel, it will be covered under INF Elite X and INF Premier X plans.
These INF plans provide full pre-existing condition coverage, including future emergency heart-related treatments up to the policy limitsnot just limited to acute onset coverage. They are ideal for travelers with a history of heart disease visiting the U.S.
Note: The minimum purchase period for these INF plans is 90 days.
No, ongoing medication and routine doctor visits for existing conditions are not covered. Only emergency medical situations that occur suddenly during travel may be eligible for coverage.
No, dialysis and other scheduled treatments for chronic kidney disease are considered ongoing care and are not covered by visitor insurance.
Yes, if the condition worsens suddenly and unexpectedly, it may be covered as an acute onset of a pre-existing condition.
Plans like Patriot America Plus, Venbrook Premier Atlas America and Travel Medical Choice and Safe Travels USA Comprehensive provide coverage for such sudden medical emergencies.
If you prefer full pre-existing condition coverage (not limited to acute onset), INF Elite X and INF Premier X plans offer broader protection including future medical emergencies related to existing health issues.
Yes. Plans like INF Elite X, INF Premier X, and Visitors Protect cover travelers up to age 99 with either full or limited pre-existing condition protection.
For broader protection, consider INF Elite X or INF Premier X (full pre-existing coverage).
For lower-cost options, Safe Travels USA Comprehensive, Venbrook Premier and Atlas America are good choices.
Yes, you can buy a single policy that covers both parents. However, it’s often better to purchase separate policies so that each parent receives coverage tailored to their specific health conditions and age.
At American Visitor Insurance, you can compare multiple visitor insurance plans side by side to find the best options including those with full or acute pre-existing condition coverage for your parents.
No, preventive care is generally not covered under standard visitor insurance plans. However, some INF plans do provide limited preventive and wellness benefits.
Plans like INF Elite Plus and INF Premier Plus include coverage for preventive checkups, lab tests, and maintenance care, making them ideal for travelers who want more comprehensive ongoing health coverage while visiting the U.S.
Some of the best travel insurance plans for heart patients include INF Elite X, INF Premier X, INF Elite Plus X, Visitors Protect, Safe Travels USA Comprehensive, Travel Medical Choice, Patriot America Plus, Venbrook Premier, and Atlas America. These plans provide coverage for pre-existing heart conditions or the acute onset of heart issues, helping travelers manage medical expenses and ensuring peace of mind while abroad.
Diabetes is considered a chronic condition, which means most insurance companies can deny claims it if it’s listed as a pre-existing condition in your medical records. This is even if the traveller experiences an acute event (like a diabetic coma), the claim might be denied.
However, VenbrookPremier has a special rule for acute onset of chronic conditions. If a diabetic event happens suddenly and requires immediate care, it might still be covered under certain conditions, depending on factors like age and the specifics of the event.
Heart Attack or Stroke:A heart attack or stroke is always treated as an emergency and is not considered a pre-existing condition. These events require immediate medical care, and many people who experience them take medications for conditions like high blood pressure, heart disease, or high cholesterol. Other insurance companies may deny claims if they see that the person is on medication for a pre-existing condition. Venbrook International travel insurance plans handles this differently:
An acute onset claim could be denied in these situations:
The cost of cheap travel insurance for visitors with chronic illnesses ranges from $39 to $229 per month, depending on factors such as visitor’s age, duration of coverage, medical maximum, and deductible.
| Plan Name | Medical Maximum | Deductible | Acute onset coverage | Cost |
|---|---|---|---|---|
| Safe Travels Advantage | $25,000 | $0 | Up to 89 yearsopen_in_new | $39 |
| Visitors care | $25,000 | $100 | Up to 70 yearsopen_in_new | $40 |
| Safe Travels Elite | $25,000 | $0 | Up to 89 yearsopen_in_new | $50 |
| Visit USA Budget | $50,000 | $250 | Up to 65 years and aboveopen_in_new | $49 |
| Safe Travels USA Cost Saver | $50,000 | $250 | Up to 69 yearsopen_in_new | $139 |
| Visitors Preferred | $50,000 | $250 | Up to 70 yearsopen_in_new | $148 |
| Atlas America | $50,000 | $250 | Up to 79 yearsopen_in_new | $151 |
| Patriot America Plus | $50,000 | $250 | Up to 70 yearsopen_in_new | $164 |
| Travel Medical Basic | $50,000 | $250 | Up to 79 yearsopen_in_new | $168 |
| Safe Travels USA Comprehensive | $50,000 | $250 | Up to 69 yearsopen_in_new | $172 |
| Venbrook Premier | $50,000 | $250 | Up to 70 yearsopen_in_new | $176 |
| Diplomat America | $50,000 | $250 | Up to 70 yearsopen_in_new | $229 |
Source: American Visitor Insurance®
The visitor health insurance USA pre existing conditions cost starts from $55 to $233 per month. The cost depends on the visitor’s age, duration, medical maximum coverage and deductible.
| Plan Name | Medical Maximum | Deductible | Acute onset coverage | Cost |
|---|---|---|---|---|
| VisitorSecure | $50,000 | $100 | Up to 70 yearsopen_in_new | $55 |
| Atlas International | $50,000 | $250 | Up to 79 yearsopen_in_new | $117 |
| Patriot International Lite | $50,000 | $250 | Up to 70 yearsopen_in_new | $121 |
| Travel Medical Basic | $50,000 | $250 | Up to 79 yearsopen_in_new | $121 |
| Intermedical | $50,000 | $250 | Up to 80 yearsopen_in_new | $121 |
| Atlas Premium International | $50,000 | $250 | Up to 79 yearsopen_in_new | $164 |
| Safe Travels International | $50,000 | $250 | Up to 69 yearsopen_in_new | $233 |
Source: American Visitor Insurance®
A pre-existing medical condition refers to any health problem you had before your travel insurance started, even if you didn’t know about it.
Insurance companies check your recent medical history (called the look-back period, usually 60 to 180 days) to decide if something counts as pre-existing.
This includes any condition where you:If you took medicine for high blood pressure or diabetes a few months before your trip, that will be seen as a pre-existing condition.
There are several compelling reasons for buying Visitors Insurance for Pre-existing conditions. Some of the important reasons are :
These are some of the important reasons to use the American Visitor Insurance platform to buy the Best Pre-Existing Conditions Visitors Medical Insurance
Covers emergency care, treatment interruptions, or unexpected medical expenses related to cancer while abroad.
View Plans »
| Type | Definition | Examples |
|---|---|---|
| Acute Onset of a Pre-Existing Condition | A sudden and unexpected onset of a pre-existing condition that occurs after coverage starts and requires immediate medical attention. | Heart attack, sudden asthma attack, acute appendicitis |
| Chronic Pre-Existing Condition | A long-term or ongoing condition that existed prior to coverage and is generally managed over time | Diabetes, hypertension, chronic kidney disease |
Some visitor insurance plans cover acute onset of certain pre-existing conditions but do not cover chronic management.
The best US visitors insurance with pre-existing conditions coverage is listed here:
Offers coverage for the acute onset of pre-existing conditions. For travelers aged up to and including 69 years, coverage is available up to the medical policy maximum purchased. Upon reaching age 70, the maximum coverage is reduced to $35,000, and for travelers aged 80 to 89 years, the maximum coverage is further reduced to $20,000.
Covers the acute onset of pre-existing conditions up to the maximum benefit, except for cardiac coverage related to angina, heart attacks, and stroke. For these cardiac conditions, the maximum benefit is $25,000 for individuals under 69 years of age and $15,000 for those aged 70 and above, inclusive of PPO fees, with a $500 deductible
Provide full pre-existing condition coverage for travelers aged 0–69 years, with a choice of coverage limits of $25,000, $30,000, $40,000, or $50,000 and deductible options of $1,500, $2,000, $2,500, $5,000, or $10,000. For travelers aged 70–99 years, the available coverage limit is $20,000, with the same deductible options.
Comprehensive visitor medical insurance offers pre-existing conditions coverage up to age 99 years. A minimum purchase of 90 days is required on the plan. It is an affordable and reliable plan for visitors visiting the US.
Offers coverage for the acute onset of pre-existing conditions up to the selected policy maximum for travelers under 80 years of age, providing reliable and affordable protection against unexpected medical emergencies during travel.
Provides coverage for the acute onset of pre-existing conditions up to the selected policy maximum for individuals aged 70 years and under, along with emergency medical evacuation coverage up to $25,000 for pre-existing conditions.
A pre-existing medical condition refers to any health problem you had before your travel insurance started, even if you didn’t know about it.
Insurance companies check your recent medical history (called the look-back period, usually 60 to 180 days) to decide if something counts as pre-existing. This includes any condition where you:
If you took medicine for high blood pressure or diabetes a few months before your trip, that will be seen as a pre-existing condition.
There are several compelling reasons for buying Visitors Insurance for Pre-existing conditions. Some of the important reasons are :
Visitor insurance that includes acute onset of pre-existing conditions provides protection if a long-term health issue (like diabetes or heart disease) suddenly flares up during your trip. This helps travelers get timely treatment without facing large medical bills.
These plans not only help with sudden complications of pre-existing conditions but also cover new illnesses, injuries, and doctor or hospital visits that may occur while you’re in the U.S.
If you contract COVID-19 or another covered illness while visiting the U.S., your insurance can help pay for the necessary treatment, ensuring your trip isn’t disrupted by unexpected medical costs.
If your condition worsens and requires transportation to a better-equipped hospital or your home country, emergency medical evacuation benefits can take care of those arrangements and expenses.
Visitor insurance with pre-existing coverage helps you travel confidently knowing that if your health condition unexpectedly worsens, you won’t face overwhelming out-of-pocket expenses.
This type of coverage is especially valuable for parents or elderly travelers visiting the U.S., providing peace of mind and essential medical protection throughout their stay.
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These are some of the important reasons to use the American Visitor Insurance platform to buy the Best Pre-Existing Conditions Visitors Medical Insurance
American Visitor Insurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ..
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