A pre-existing condition is a medical condition or illness that you have been diagnosed with or received treatment for before obtaining a new health insurance policy. These conditions can include chronic illnesses like diabetes, asthma, heart disease, or even injuries that have long-term effects. Companies use a "look back" period to determine if a condition will be considered pre-existing or not.
Fixed plans tend to have shorter look back periods of only 6 to three months.
Comprehensive plans have longer ones, usually 3 years. Of course, if a person is diagnosed with a chronic illness, they always have it (unfortunately) and it would always be considered a pre-existing condition. However, if someone had a surgery, for a broken bone, more than 3 years ago, no policy would consider this a pre-existing condition.
Given the dilemma regarding pre-existing condition coverage, and its importance, American visitor insurance present resourceful information about Pre-existing conditions. We try to explain with objectivity and transparency the options available for pre-existing condition coverage.
All the policies that cover pre-existing conditions and all the terms and conditions that go with it are displayed in an user friendly manner. You can get quotes and compare the coverage benefits for Pre-existing Conditions at Visitor insurance pre-existing condition coverage.
The Look back period for pre-existing conditions by the different insurance plans are -
Fixed Benefits Plans:
(Travel Medical USA Visitor Choice and Travel Medical USA Visitor Basic) - 180 days pre-existing conditions are not covered prior to the start of the insurance coverage. For travelers 70 years and above the look back period is 365 days.
The visitor health insurance usa cost ranges from $16 to $150 a month. The price varies based on several factors such as the age of the visitor, medical maximum coverage, deductible for the plan, coverage type (Fixed vs comprehensive coverage), and the coverage for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day.
A comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit.
| Insurance Plans | Plan Maximum | Deductible | Provider Network | Cost # |
|---|---|---|---|---|
| Patriot America Plus IMG | $50K - $1M | $0 - $2K | United HealthCare | $96 - $177 |
| Safe Travels USA Comprehensive Trawick International | $50K - $1M | $0 - $5K | First Health Network | $96 - $176 |
| Atlas America WorldTrips | $50K - $2M | $0 - $5K | United HealthCare | $116 - $235 |
| Diplomat America Global Underwriters | $50K - $1M | $0 - $5K | No PPO | $155 - $266 |
| Patriot Platinum America IMG | $2M - $8M | $0 - $25K | United HealthCare | $214 - $360 |
| Atlas Premium America WorldTrips | $50 - $2M | $0 - $5K | United HealthCare | $138 - $270 |
| Safe Travels USA Cost Saver Trawick International | $50 - $1M | $0 - $5K | First Health Network | $92 - $154 |
| Visit USA Standard Travel | $75K - $150K | $0- $1K | United HealthCare | $93 - $115 |
# The average cost of travel insurance plans for USA is based on quotes for a 40-year-old with a duration of one month. Source: AMERICAN VISITOR INSURANCE®
A fixed benefit travel insurance plan is the cheapest travel insurance because it has a fixed limit of coverage for different medical benefits.
| Insurance Plans | Plan Maximum | Deductible | Provider Network | Cost # |
|---|---|---|---|---|
| Safe Travels Advantage Trawick International | $25,000 | $0 | First Healthcare | $20 |
| Safe Travels Elite Trawick International | $25K - $175K | $0 | First Health Network | $24 - $68 |
| Visitors Care IMG | $25K - $100K | $0 - $100 | United HealthCare | $25 - $54 |
| VisitorSecure WorldTrips | $50K - $130K | $0 - $100 | United HealthCare | $44 - $80 |
# The average cost of travel insurance plans for USA is based on quotes for a 40-year-old with a duration of one month. Source: AMERICAN VISITOR INSURANCE®
| 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.
At American Visitor insurance, we help travelers to compare and buy the best travel insurance for pre-existing conditions and acute onset emergencies. We describe the coverage limits for pre-existing conditions, deductibles and age restrictions, so that travelers can make an informed choice even for chronic or high-risk conditions.
AmericanVisitorInsurance 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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