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Visitors medical insurance covering pre-existing conditions

A pre-existing condition is a medical ailment that existed before the start of the visitors insurance cover. One of the biggest concerns for travelers and very important is to select pre-existing condition for medical insurance. It is recommended to to find good visitor insurance with Pre-existing conditions coverage, which is particularly important for older travelers and parents. Generally not all visitors insurance offer coverage for pre-existing ailments. Some travel health insurance plans offer coverage after the first year of coverage or a waiting period. Global long term insurance offer major medical coverage after the first year and also provide coverage for pre-existing conditions.
Best Visitors insurance plans for pre-existing conditions Visitors insurance for pre-existing conditions coverage reviews

Compare the best visitors insurance for acute onset of pre-existing conditions

1. Select Country / Countries where coverage is required ?

2. Visitor's /Traveler's Citizenship ?

3. Start date (mm/ dd/ yyyy)
4. End date (mm/ dd/ yyyy)
5. Traveller's Age*
6. Spouse's Age ? (If reqd)
7. Number of Dependents under 18 years
Next  

1. Coverage Limit (Maximum eligible medical expenses that the plan will cover)

2. Deductible

Deductible is the amount you must pay every year(either per person or per family) before your plan starts to pay its share of benefits. A 500$ deductible means you will have to pay first $500 for treatment and then the insurance company takes care of the rest of the payments. A 0$ deductible means you do not pay anything.

Higher Deductible -> Lower Premium.
Lower Deductible -> Higher Premium.

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Here we present short term visitor medical insurance plans that cover pre-existing conditions* and plans which only cover acute onset of Pre-existing ailments**

*General definition of pre-existing condition:

"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

**Acute onset of pre-existing condition:

Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

Travel medical insurance for travelers stranded in the USA, Canada or Mexico because of Coronavirus

It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Of particular note, the company INF insurance which offers travel insurance plans with coverage in the USA, Canada and Mexica.
There are currently three US insurance providers namely Trawick International, INF insurance and Global Underwriters who offer US Visitors insurance coverage for coronavirus.

Trawick International Insurance:

 Trawick International offers visitor medical insurance for coronavirus (covid-19) with their Safe Travels USA Insurance.The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years . You can compare all Safe Travels USA Insurance plans compare all Safe Travels USA Insurance plans and buy it online to get coverage as early as the following day.

Global Underwriters:

 Diplomat America Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Pre-existing ailments are however excluded, which means that travelers infected before the plan effective date, will be considered as an pre-existing medica condition and will not provide coverage for that ailment.

INF travel insurance:

 INF Insurance offers visitors health insurance for coronavirus in the US, Canada and Mexico. INF insurance covers covid-19 as any other illness. One of their plans (Elite) has excellent coverage of pre-existing medical conditions beyond the usual coverage for "acute onset" of pre-existing conditions which is a unique offering. You can compare their plans using this link and purchase the one you are interested in by choosing the "buy now" button for the appropriate plan: Please note that the Elite Network insurance and Premier Insurance are cheaper per month if you purchase at least 90 days the first time you buy them. You can compare all available INF US visitor insurance.

As ever, we wish you safe and happy travels. Do call us with questions or concerns you may have.
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How do insurance companies determine pre-existing conditions for travel insurance?

Given the concern for pre-existing condition insurance plan for visitors, the common question among elderly travelers is how insurers determine what is considered a pre existing medical condition. No medical examination or doctor’s report is required to purchase short term health insurance. So, how can they know what is pre-existing? The insurance company will rely on information gathered from the care provider, such as, medications taken, onset of symptoms, etc.

pre-existing conditions

Precautions for travelers with pre-existing conditions

Those travelers with pre-existing conditions have to take extra care while in a foreign country to avoid possible medical emergencies. Visitors with medical history should always purchase a plan with pre-existing medical coverage, otherwise an emergency due to a pre-existing condition may NOT be covered by their insurance. There are some plans with coverage for acute onset of pre-existing conditions for all ages. You can compare the plans and select the one which best suits your unique situation.

Best long term travel insurance for pre-existing conditions in USA

We clearly explain the policies that provide international health insurance for pre existing conditions coverage and all the terms and conditions that go with it. These insurance plans are ideal for visitors or parents visiting from India. The best coverage of Pre-existing Conditions can be found with Major Medical plans which are under the Global health insurance section of our website. These plans are ideally suited to someone who wants long term insurance (12 months and above). For more clarifications please refer to the Pre-existing conditions travel insurance FAQ.

Find out more about Pre-existing condition visitors insurance

Frequently asked questions about pre-existing condition visitor medical insurance?

What is a pre-existing condition for travel health insurance?
Simply put, a pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Click here to read more.
No , there are no medical tests required for purchasing visitor travel insurance to usa with 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 acute onset of pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
Many people, although healthy and able to travel, particularly older travelers take medications for certain medical conditions. While these conditions can be called "normal" for a person of their age, not all people have these conditions and they will be classified as "pre-existing" by an insurance company. If you do NOT have coverage for it, then the policy will pay $0 for any incident of it, emergency or not. The coverage you can get is limited to "acute onset" of a pre-existing condition which can cover an unexpected life-threatening emergency of the condition which would then give you as complete coverage as you could get for your travels or visitor. This is why we offer some options with this coverage for nearly all ages of travelers. For more information, go here.
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