Visitor insurance does not cover preventive care, in other words planned medical tests will not be covered.
Most visitor medical insurance plans do not cover regular treatment for pre-existing conditions, but some provide coverage for acute onset of pre-existing conditions — a sudden and unexpected medical emergency caused by an existing illness.
However, INF visitor insurance plans such as INF Elite X, INF Premier X, and INF Elite Plus Plus go a step further they offer comprehensive coverage for pre-existing conditions, including future medical emergencies, urgent care, and hospitalization related to those conditions (subject to plan terms and limits).
Tip: If your parents have ongoing health concerns or a history of medical issues, INF plans can be a better option for more complete protection during their stay in the U.S.
Yes, there are a few visitor insurance plans that provide coverage for pre-existing conditions even for travelers aged 77. INF plans, such as INF Elite X, INF Premier X, and INF Elite Plus, are specifically designed for older travelers and offer coverage for pre-existing conditions, including hypertension, up to age 99.
These plans cover both new and pre-existing medical emergencies, doctor visits, urgent care, and hospitalization (subject to plan terms and limits).
No, visitor insurance even those with pre-existing condition coverage does not cover preventive care, in other words planned medical tests will not be covered.
No. Unfortunately, these sorts of things cannot be covered by short term medical policies. The best thing you can do is find out some places ahead of their visit that will do the necessary treatment and tell them the situation. Usually, providers will reduce the price for persons without insurance (of which, sadly, there are many).
Most visitor medical insurance plans do not cover pregnancy, childbirth, or newborn care, as these are considered expected medical events rather than emergencies. However, some plans offer limited benefits for pregnancy-related emergencies or complications:
In a medical emergency, you can go to any hospital or healthcare facility, even if it’s not in the insurance provider’s network. Your priority should always be to get immediate medical care.
However, for non-emergency treatment, it’s recommended to use a hospital or doctor within the plan’s PPO network (such as UnitedHealthcare, First Health, or Coventry networks, depending on the plan). Visiting in-network providers usually means lower out-of-pocket costs and direct billing to the insurance company.
Tip: Always carry your insurance ID card it lists the PPO network and contact details to locate nearby in-network hospitals when needed.
No, visitor insurance will not cover routine or planned medical checkups even if you are willing to pay extra. These plans are designed to cover unexpected medical emergencies or new illnesses/injuries that occur after the policy starts, not preventive or follow-up visits.
Even the most comprehensive visitor insurance plans, including those covering pre-existing conditions, exclude regular health monitoring or non-emergency doctor visits.
Full Pre-existing Condition Coverage pays for all eligible medical expenses related to an existing health condition whether the issue is sudden or develops gradually. This includes routine doctor visits, medication refills, and hospitalization due to gradual complications. For example, if you have diabetes and need insulin refills or are hospitalized due to slow-developing kidney issues, these can be covered. Similarly, if you have hypertension and later develop kidney complications, it’s still covered even if it progresses over time.
Plans:INF Elite X, INF Premier X and Visitors Protect
Acute Onset of Pre-existing Conditions Coverage, on the other hand, only covers sudden, unexpected, and life-threatening emergencies caused by a pre-existing condition. It does not include regular treatment, medication refills, or slow worsening of the condition. For instance, if you have asthma and experience a sudden, severe asthma attack while traveling, that emergency would be covered. Or if you have high blood pressure and suddenly suffer a stroke, it would be covered but gradual increases in blood pressure or medication adjustments would not.
Plans : Patriot Plus, Atlas America, Safe Travels USA Comprehensive, Venbrook Premier
Full pre-existing condition coverage plans treat any medical issue related to a pre-existing condition as a new illness or injury, subject to the plan’s policy maximum and deductible. Because they cover both routine and emergency care not just sudden flare-ups the insurer assumes greater risk, making these plans more expensive than those that only cover the acute onset of pre-existing conditions.
Example: If a traveler with diabetes needs insulin refills, routine checkups, or hospitalization due to gradually worsening blood sugar levels, a Full Pre-existing Condition Coverage plan like INF Elite X, INF Premier X would cover these expenses. In contrast, a plan that only covers acute onset, such as Patriot America Plus or Atlas America, would pay only if the traveler suddenly develops a life-threatening diabetic emergency.
INF travel insurance plans are more expensive because they provide full coverage for pre-existing conditions including future medical emergencies that may arise from those conditions. Unlike most travel insurance plans that only cover the acute onset of pre-existing conditions (sudden and unexpected emergencies), INF plans such as INF Elite X, INF Premier X, and INF Elite Plus cover both routine and emergency treatments related to existing health issues.
This includes doctor visits, hospitalization, prescription medications, and future complications caused by a known condition, all subject to policy limits and deductibles.
Example: If a traveler with heart disease develops complications or needs emergency care in the future while visiting the U.S., an INF plan can cover those expenses. Standard plans like Atlas America or Patriot America Plus would only cover a sudden, life-threatening episode not ongoing or future complications which is why INF plans are priced higher for their broader, long-term protection.
INF travel insurance plans offer some of the most comprehensive coverage for pre-existing conditions among visitor insurance options, but they do not cover every condition or situation without limitations.
INF plans such as INF Elite X, INF Premier X, and INF Elite Plus provide coverage for both ongoing and future medical emergencies related to pre-existing conditions including doctor visits, hospitalization, and prescription drugs subject to the plan’s terms, limits, and exclusions.
However, certain conditions and treatments are not covered, such as:
In short: INF plans cover most but not all pre-existing conditions. They are designed to protect travelers from unexpected complications or future emergencies related to known health issues but not for scheduled or ongoing treatments that began before travel.
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.
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.
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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, Visitors Protect, INF Elite Plus X, 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.
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Visitor insurance for pre-existing conditions is a type of travel medical insurance that provides coverage for health issues that existed before the policy start date such as diabetes, high blood pressure, heart disease, or asthma. This coverage helps protect travelers, especially parents or elderly visitors, from unexpected medical emergencies related to their existing conditions while visiting the United States.
When traveling to the U.S., it’s important to know that most visitor health insurance plans exclude pre-existing conditions. This means they will not cover treatment costs for any medical issue that existed before the plan began.
However, at American Visitor Insurance, we offer several travel medical insurance plans that include coverage for pre-existing conditions. Each plan clearly defines what is covered and up to what limit, so you can choose the level of protection that fits your parents’ or relatives’ needs.
Some plans, like Safe Travels USA Comprehensive, Atlas America, Patriot America Plus and Venbrook Premier, offer coverage for the acute onset of pre-existing conditions meaning a sudden and unexpected medical emergency related to a known health issue that requires immediate treatment. This may include hospitalization, emergency care, or evacuation.
For more extensive protection, INF travel insurance plans such as INF Elite X, INF Premier X, and INF Elite Plus go beyond acute onset coverage. These plans provide full pre-existing condition coverage, including future medical emergencies, doctor visits, and prescriptions, subject to the plan’s terms and limits.
It’s always a good idea to compare visitor insurance plans for pre-existing conditions on American Visitor Insurance not just by price, but also by the scope of coverage for existing health issues.
Yes, you can. Some visitor insurance plans offer coverage for emergencies caused by pre-existing conditions.
Yes, INF travel insurance plans such as INF Elite X, INF Premier X, and INF Elite Plus are specifically designed to cover future medical emergencies caused by existing health conditions. These plans treat complications from conditions like diabetes, hypertension, or heart disease as new medical events, subject to policy limits and deductibles.
Unlike most visitor insurance that only covers the acute onset of pre-existing conditions, INF plans provide comprehensive protection including doctor visits, hospitalization, and prescriptions for future complications that arise during the trip.
No, visitor insurance will not cover any illness or medical condition that starts before the policy’s effective date. Coverage only begins after the insurance is active.
If your parents are already feeling unwell or develop symptoms before you purchase the plan, any treatment or expenses related to that illness will be excluded from coverage.
That’s why it’s strongly recommended to buy the insurance as early as possible ideally before or immediately after arrival in the U.S. so they are protected right from the start of their trip.
Yes, you can. Many visitor insurance plans allow you to purchase coverage even after arrival in the U.S. Plans like INF Elite X, INF Premier X, and INF Elite Plus can be bought after arrival, with coverage starting as soon as the next day. These plans also offer comprehensive protection for pre-existing conditions, including future medical emergencies.
If If you’re looking for more affordable options, plans like Safe Travels USA Comprehensive and Venbrook Premier can also be purchased after arrival, though they cover only the acute onset of pre-existing conditions
For senior travelers with multiple conditions, INF Elite X, INF Premier X are the most comprehensive options. They provide full pre-existing coverage including future emergencies up to the policy maximum.
Yes. You can buy visitor insurance even if she is on daily medication. However, routine medicines and checkups are not covered.
Yes, there are many travel insurance options for seniors over 70 from the USA. Many US travel insurance providers offer policies specifically designed for older travelers, and some policies may have no age limit for coverage. However, it is important to note that the cost of travel medical insurance for seniors is higher than for younger travelers due to increased health risks and the likelihood of pre-existing conditions. Additionally, coverage and benefits may vary depending on the policy, and it is important to carefully review policy terms and conditions to ensure that you get the coverage you need.
Senior travelers should prioritize comprehensive medical coverage for emergencies, hospital stays, and evacuation. They should also consider trip cancellation or interruption insurance, lost luggage, travel delay, and accidental death coverage. For added flexibility, U.S. travelers can choose “Cancel for Any Reason” plans to protect against unexpected trip changes
Yes, it is possible to find cheap travel insurance for seniors over 70. Many insurance providers offer specialized travel insurance plans that cater to the needs of older adults. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, seniors can find affordable travel insurance that suits their specific requirements. It is advisable to shop around and explore various options to find the most cost-effective travel insurance policy for seniors over 70.
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