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Pre-existing conditions Visitor medical insurance - FAQ

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1. Which are the plans 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 pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option

2. How do insurance companies find out whether pre-existing conditions covered or not covered?

The most importance factor determining the coverage will be the attending physicians statement (APS). The doctors report will indicate if this treatment was due to the old ailment or not. The insurance company will also consider if she is currently undergoing any regular medical treatment then it will be considered as a pre-existing condition and the visitor insurance plan will not cover it. Some of the visitor insurance plans that do cover pre-existing conditions so 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.

3. Why should I worry about pre-existing conditions?

All policies routinely exclude coverage for any onset of a pre-existing condition. That means that even if a visitor has an emergency due to a pre-existing condition, the policy will not pay for it. Therefore, you should be aware of the risk of illness or hospital stay due to a pre-existing condition and take that into account if you can in order to get the best coverage for your travel needs.

4. Why should we buy insurance if the main treatments are not covered under pre-existing medical conditions?

These visitor insurance plans will cover unanticipated medical expenses such as sudden illness, falling down and hurting oneself, having an accident... Visitor insurance while in the US and Canada is for unanticipated, unplanned medical expenses. In the US and Canada healthcare expenses very high. Even minor health treatments costs can lead to huge medical bills. Visitor medical insurance will insure against such unforeseen emergencies. Visitor insurance will not cover medical expenses for treatments that patients are scheduled to have regularly. However the visitor insurance plans that do cover pre-existing conditions so do so for acute onset of existing conditions and have very specific limitations for their coverage. Please review the policy brochure for more details. Get more information about the plans through our comparison tool

5. Why should I bother getting insurance if pre-existing conditions are not covered?

Many people express concern and dismay when they hear that policies will not cover pre-existing conditions. For older travelers, these conditions may most likely give them trouble during a long stay abroad. For persons under 70 there are very good options available (see our website for details and pricing). For persons over 70, however, options are limited to fixed plans and only cover certain illnesses. However, sudden illness and accidental injury can happen to anyone at any time. Policies will protect a visitor against costs for these sorts of medical issues.

Some clients worry that the insurance company will label everything as "pre-existing" and therefore not cover any medical expenses. This has not been our experience. Furthermore, they are very careful to fully define the term and they apply it on a case by case basis depending on the medical circumstances, relying on doctor information gathered about the incident.

Moreover, all policies cover emergency medical evacuation, repatriation, as well as other travel benefits (such as lost baggage and recovery of legal documents) which can be useful to travelers of all ages wherever they may wander.

6. Can I get pre-existing conditions covered?

It is important to realize that if a person needs regular medication or treatment, they will have to pay for that themselves. Travelers should always carry their own medications and a prescription in the language of the country they are visiting, if possible, in case they lose their pills or find they extend their trip and require more medicine. Also, this will always help to show officials that a person is legally on a drug (particularly important for narcotics or other drugs which can be illegal where you are traveling). PLEASE be aware and take seriously any notices in countries warning of illegal drug activity since you will be subject to that country's laws and justice system.

What you can get covered is a sudden onset of a pre-existing condition that is usually controlled. Some policies offer coverage up to a certain amount (around $20,000) for coverage of such an event. Some fixed policies offer riders to their policy which add a set coverage amount in the event the insured has a heart attack or stroke ($5,000 or $3,000 depending on age and policy). The riders will cost more, but the person will get the covered amount should they have a heart attack or stroke. Please note that most policies will NOT cover even emergencies due to pre-existing conditions, so it is important to assess your risk of illness due to these conditions while traveling.

7. Are some illnesses excluded from coverage?

Yes. There are some illnesses and specific circumstances that are excluded from coverage. Once you narrow down the policies you are interested in purchasing, you should look over the policies list of "exclusions" to determine if it is still applicable to you or your visitor. Commonly excluded medical conditions include: pregnancy, venereal disease, cancer, HIV or AIDS infection. Other illnesses can be excluded if they occur in certain circumstances. These include injuries while committing a felony, self-inflicted injury, and injuries sustained while under the influence of alcohol or drugs. Other common exclusions are for participation in organized amateur or professional sports and adventure sports, although some policies do offer coverage directly or through the purchase of adventure sports riders (see our links for these options).

8. What is pre-certification?

You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan.

9. Is high blood pressure considered a pre-existing condition for travel insurance?

Most travel insurance plans will consider blood pressure as a pre-existing condition for travel insurance. However the INF insurance offer travel insurance that covers pre-existing conditions ranging including Blood pressure. The INF Premier & INF Elite travel insurance for preexisting conditions aretwo INF plans with coverage for blood pressure.

10. Do travel insurances cover pre-existing conditions?

INF is one US company that offers travel insurance for pre-existing conditions for travel to the US, Canada or Mexico. 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.

11. Which policy covers pre-existing diseases?

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

  • Atlas travel plan from World trips
  • Patriot America Plus from IMG
  • Travel Medical Plus from Seven Corners
  • Travel Medical Basic plan from Seven Corners
  • Safe Travels USA from Trawick International
  • Safe Travels USA Comprehensive from Trawick International
  • Safe Travels Elite plan from Trawick International
  • INF Premier plan from INF
  • INF Elite from INF
  • VisitorSecure Insurance from World trips

12. 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.

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.
In American Visitor Insurance comparison tool for travel insurance quotes, we ask traveler’s to fill in all the requirements 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 visitors insurance 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 an acute onset of a pre-existing condition.

How to find the best visitors insurance for Pre-existing conditions?

  • Check visitors health insurance coverage for your condition: Ensure the plan explicitly covers pre-existing condition to avoid unexpected costs.
  • Understand waiting periods: Some visitors insurance plans have waiting periods before they cover pre-existing conditions. It is advisable to choose the shortest waiting period available.
  • Review Premiums & Deductibles: Compare the plans on American Visitor Insurance for deductible options. A lower premium will mean higher deductible, so balance affordability with your required coverage.
  • Verify network providers: Review the preferred provider network, if doctors and hospitals are included in the insurance network where you are traveling.
  • Understand emergency coverage: Understand how your travel insurance plan covers emergency care where you are traveling.
  • Review policy renewal & exclusions: Check whether your travel policy is renewable and also review the document for any exclusions that might impact your care.

How much does best visitor insurance with pre existing conditions cost?

Best health insurance for visitors to USA with pre existing conditions

The cost of cheap travel insurance for visitors with chronic illnesses ranges from $39 to $229 per month, depending on the factors such as visitor’s age, duration of the coverage, medical maximum and deductible.

Best pre existing conditions travel insurance cost for outside US

The visitor health insurance USA pre existing conditions cost starts from $55 to $233 per month, The cost depends on the age of the visitor, duration, medical maximum coverage and deductible.

The average cost of travel medical insurance with coverage for pre-existing conditions in the US based on quotes for one month for 60 year old traveler.

Health insurance for visitors to USA with pre-existing conditions

Review US visitor insurance plan benefits.

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Which is the best visitor Insurance for pre existing conditions for USA?

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

Patriot America Plus IMG

  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Covers $25,000 maximum limit
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Patriot America Plus cost for 65 year old traveler ranges from $121 to $463 for a month.
  • Policy maximum?
    $50,000 to $1,000,000

  • Deductible options?
    $0 to $2,500

  • Period of coverage?
    5 days to 12 months

Safe Travels USA Comprehensive Trawick International

  • Acute onset of pre-existing conditions: Up to 89 years
  • For those under 70, medical treatment is covered up to the policy maximum. For individuals aged 70 to 79, the acute onset benefit is limited to a maximum of $35,000. For those aged 80 and above, the benefit is reduced to a maximum of $20,000.
  • Direct Billing: First HealthCare First health care Provider Network
  • Safe Travels USA Comprehensive cost for 65 year old traveler ranges from $125 to $316 for a month.
  • Policy maximum?
    $50,000 and $100,000

  • Deductible options?
    $0 to $5,000

  • Period of coverage?
    5 days to 364 days

Atlas America Insurance WorldTrips

  • Acute onset of pre-existing conditions: Up to maximum limit, for ages up to 80 years
  • Emergency medical evacuation: $25,000 maximum limit
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Atlas America Insurance cost for 65 year old traveler ranges from $124 to $372 for a month.
  • Policy maximum?
    $50,000 and $100,000

  • Deductible options?
    $0 to $5,000

  • Period of coverage?
    Up to 364 days

Venbrook Premier Venbrook International

  • Acute onset of pre-existing conditions: Up to maximum limit, for ages up to 70 years
  • Emergency medical evacuation: $25,000 maximum limit
  • Venbrook Premier may cover sudden diabetic events as acute onset under certain conditions. If no pre-existing conditions exist, it's treated as a cardiovascular event.
  • Venbrook Premier Insurance cost for 65 year old traveler ranges from $136 to $419 for a month.
  • Policy maximum?
    $50,000 and $100,000

  • Deductible options?
    $0 to $5,000

  • Period of coverage?
    5 days to 12 months

SafeVista Comprehensive INF

  • Acute on set of pre-existing conditions: Up to 99 years
  • The SafeVista Comprehensive insurance plan covers the acute onset of pre-existing conditions up to the maximum policy limit for individuals up to 99 years of age.
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Safe Vista Comprehensive Insurance cost for 65 year old traveler ranges from $150 to $262 for one month.
  • Policy maximum?
    $100,000 and $1,000,000

  • Deductible options?
    $0 to $5,000.

  • Period of coverage?
    10 days to 364 days

Visitors Protect IMG

  • Offers comprehensive coverage for pre-existing conditions up to age 99, though premiums may be higher for older travelers.
  • Provides coverage for pre-existing conditions with a maximum benefit of up to $25,000 for individuals aged 0 to 69. For those aged 70 to 99, the maximum benefit is $15,000 and is subject to a $1,500 deductible.
  • Direct Billing: First healthcare network First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • Visitors Protect Insurance cost for 65 year old traveler ranges from $637 to $1,593 for 3 months.
  • Policy maximum?
    $50,000 and $250,000

  • Deductible options?
    $250 to $5,000

  • Period of coverage?
    Minimum purchase 90 days

INF Elite X INF

  • Designed for travelers who needs coverage for full pre-existing medical conditions up to age 99.
  • For travelers aged 0 to 69, choose a maximum benefit of $25,000, $30,000, $40,000, or $50,000 with deductible options of $1,500, $2,000, $2,500, $5,000, or $10,000. For ages 70 to 99, the maximum benefit is $20,000 with a $1,500 deductible.
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • INF Elite Insurance cost for 65 year old traveler ranges from $947 to $1,415 for 3 months.
  • Policy maximum?
    $150,000 and $300,000

  • Deductible options?
    $500 to $5,000.

  • Period of coverage?
    Minimum purchase 90 days

What does visitor travel insurance cover?

local_hospital

Health care expenses

Covers hospital expenses for sickness or accidents.

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person

Doctor visit

Insures Doctor visits for sudden injury or sickness.

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prescriptions

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

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id_card

Pre-existing conditions

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

Medical evacuation

Medical evacuation expenses to nearest facility included.
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balance

Repat of remains

Repatriation of remains to home country included.

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Insurance FAQ Disclaimer

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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