Best visitors insurance with pre-existing conditions USA
Guide for understanding temporary medical insurance for visitors with health conditions.
What is visitor medical insurance for pre-existing conditions?
Visitor medical insurance for pre-existing conditions cover medical expenses related to medical ailment that existed before the start of the insurance policy. Traveling to the US without proper health insurance can be unstable, as the healthcare cost in the US is very expensive, a simple doctor visit or an emergency rooms can cost you hundreds and thousands of dollars.
Having a good travel insurance covering pre-existing conditions for visitors is important particularly for the older travelers, visiting parents or anyone with existing aliments.
Most of the visitors insurance plan do not cover pre-existing conditions coverage, but offers limited coverage for acute onset of pre-existing conditions. Some long term international travel insurance with pre-existing conditions offer coverage after a waiting period (12 months) or after first year of coverage. At American Visitor Insurance we offer the best visitor insurance for Indian parents with pre-existing conditions.
Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition.
INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.
Why is visitor health insurance for pre-existing conditions coverage important?
There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions.
The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.
How does travel insurance for pre-existing conditions work?
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.
Comparison: Acute onset of pre-existing conditions vs pre existing conditions
| Feature | Pre-existing conditions | Acute onset of pre-existing conditions |
| Definition | It refers to a medical condition that existed before the enrolling in to the visitor insurance plan. | A sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of the first symptoms. |
| Benefits | It covers follow up visits, hospitalizations and doctor’s visits, etc.. and other associated medical care for pre-existing conditions. | It will only cover the in-patient hospitalization expense and does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. |
| Cost | It usually comes with higher deductibles and premiums. | Some plans offers coverage for acute onset of pre-existing conditions with no extra cost or as an optional add-on benefit. |
| Examples & limitations | Regular check-ups, scheduled treatments, or ongoing medications are not covered and it often available as a waiver or after a waiting period. | A food allergy or bee sting reaction with no prior warning requiring emergency care is covered. Gradual worsening conditions or ongoing treatments are not considered acute onset. |
How much does best visitor insurance with pre existing conditions cost?
US travel insurance cost in 2025 for visitors with pre-existing conditions has increasingly reduced the disposal income with a major portion of the income going to health care deductibles, co-payments and co-insurance. The cost of a routine physician's visit is significantly higher in the U.S. where it might be $176. An echocardiogram can cost around $1,000 in Massachusetts and around $3000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $2,500 -$5000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000.
While there's no simple explanation for the high costs, an important contributing factor is the significant administrative expenses in healthcare and given the litigious nature of US society, the cost of medical-malpractice legal expenses. Employing numerous billing clerks by both hospitals and physicians, as well as by private insurance companies is a requirement in the US insurance system. In addition to that, the system's reliance on advanced technology, costly labor and the steep price of malpractice insurance in the US also contributes to the overall expenses.
While there are several reasons for high healthcare costs, the fact remains that one cannot afford to be uninsured while visiting the US. In US hospitals the cost for any treatment is much lower if you have insurance and the hospital is part of the PPO network when compared to getting the same treatment without any insurance. This is beyond the actual insurance coverage itself, so simply having visitors insurance reduces the bill substantially. This high price without insurance is unimaginable for visitors to pay out of their pocket. It is important for visitors to realize the importance of health insurance while visiting the US.
The cheapest pre-existing conditions travel insurance cost starts from $39 to $229 per month, The cost depends on the age of the visitor, duration, medical maximum coverage and deductible.
The average cost of pre-existing conditions travel insurance in USA based on quotes for one month for 60 year old traveler.
| 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 89 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 Pre-existing conditions travel insurance cost for coverage outside USA 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 pre-existing conditions travel insurance outside USA based on quotes for one month for 60 year old traveler.
| 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®
Health insurance for visitors to USA with pre-existing conditions
Review US visitor insurance plan benefits.
What are the factors to consider while purchasing visitors health insurance for pre existing conditions?
The following are the factors to consider while purchasing travel insurance for pre-existing conditions
- The definition of pre-existing conditions and the look back period under the policy.
- The eligibility age limit for pre-existing conditions coverage.
- Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
- The coverage limit for pre-existing conditions which is different from the policy medical maximum.
- The deductible and out of pocket expenses for pre-existing conditions coverage.
Visitor insurance for pre-existing conditions coverage by Venbrook Premier insurance
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 handles this differently:
- If someone has high blood pressure (or another chronic condition) but their condition is under control (meaning they have been following their prescribed treatment), Venbrook will cover the heart attack or stroke
- If the person’s condition was not controlled, then the claim will be looked at under a chronic disease exclusion.
- If the person has no pre-existing conditions (they aren't on any medication for chronic health issues), the event will be covered as a cardiovascular event (not an acute onset, since there was no pre-existing condition).
When can an acute onset of pre existing conditions visitor medical insurance claim be denied?
An acute onset claim could be denied in these situations:
- If the event happens within the first 48 hours after the policy starts.
- If the person doesn’t seek treatment within 24 hours of the event.
- If the person doesn’t follow their prescribed treatment, like not taking medication.
- If the person goes against their doctor’s advice, for example, leaving the hospital against medical orders or trying to run a marathon after being told not to.
- The Venbrook policy is designed to fairly cover claims related to acute onset conditions, as long as the situation meets specific guidelines.
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
or United HealthCare 
- Patriot America Plus cost for 65 year old traveler ranges from $121 to $463 for a month.
Policy maximum?
$50,000 to $1,000,000Deductible options?
$0 to $2,500Period 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
- Safe Travels USA Comprehensive cost for 65 year old traveler ranges from $125 to $316 for a month.
Policy maximum?
$50,000 and $100,000Deductible options?
$0 to $5,000Period 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
- Atlas America Insurance cost for 65 year old traveler ranges from $124 to $372 for a month.
Policy maximum?
$50,000 and $100,000Deductible options?
$0 to $5,000Period 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 $100,000Deductible options?
$0 to $5,000Period 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
- Safe Vista Comprehensive Insurance cost for 65 year old traveler ranges from $150 to $262 for one month.
Policy maximum?
$100,000 and $1,000,000Deductible 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 or Unitedhealthcare
- Visitors Protect Insurance cost for 65 year old traveler ranges from $637 to $1,593 for 3 months.
Policy maximum?
$50,000 and $250,000Deductible options?
$250 to $5,000Period 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
- INF Elite Insurance cost for 65 year old traveler ranges from $947 to $1,415 for 3 months.
Policy maximum?
$150,000 and $300,000Deductible options?
$500 to $5,000.Period of coverage?
Minimum purchase 90 days
What are the benefits of best medical insurance for visitors with pre existing conditions in USA?
- It provides financial protection for medical expenses related to an acute onset of a pre-existing condition required during your trip.
- Covers emergency services that includes hospitalization and surgery.
- Emergency medical evacuation that covers the cost of transportation services and help you to reach the nearest hospital for medical facility.
- Some visitors insurance for pre existing conditions in USA provide access to PPO networks which in itself reduces the medical bill.
How do fixed benefit and comprehensive visitor insurance offer coverage for pre-existing conditions?
| Feature | Fixed Benefit visitors insurance | Comprehensive visitors insurance |
| Cost | Affordable | More Expensive |
| Coverage | Fixed amount per benefit limited or coverage under certain conditions | Benefits for covered medical expenses up to the plan maximum |
| Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | Some plans offer coverage, while some others offer coverage only for acute onset of pre-existing conditions |
| Recommended for | Younger travelers | Travelers with pre-existing medical ailments |
Fixed benefit vs Comprehensive best visitor insurance USA
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.
What is look back period in short term visitor insurance with pre-existing condition coverage?
The look-back period in visitors medical insurance is considered as an important factor in determining eligibility for coverage. It is the timeframe before the policy’s start date during which the insurer reviews your medical history to determine conditions that may be considered as pre-existing.
Chronic conditions like diabetes, heart disease, high blood pressure, pregnancy, and cancer are usually considered as pre-existing conditions, even if they occur outside the look back period. These conditions require ongoing care, indicating they existed before the policy's effective date.
Usually the look back period ranges between 60 to 180 days to 1 to 3 years depending upon on the plan or the insurance provider. If a medical condition is treated or the symptoms is identified in that timeframe then it is considered as a pre-existing medical conditions.
How do you handle travel medical insurance for pre-existing chronic conditions?
Visitor travel health insurance plans never cover regular, required medical care for a chronic condition. For example, if a traveler takes medication regularly or requires treatment like dialysis, those things will have to be paid for out of pocket by the traveler and should be calculated into the cost of their trip. If medications are lost or stolen and need to be replace, that will require a doctor visit to get a prescription and then the purchase at the pharmacy all of which would have to be paid for by the insured.
If the concern is for a sudden, unexpected flare up with a chronic, pre-existing condition, then there are a few plans which will cover that, but they are quite expensive and must be purchased for at least 90 days. Note also, that those plans also must be purchased BEFORE the travel begins and cover only travel to the US (some include Canada and Mexico).
Best INF health insurance for visitors to USA with pre-existing conditions
Please explain the difference between full coverage for pre-existing conditions and coverage for acute onset of pre-existing conditions by US visitor insurance.
Most of the US visitors insurance plans provide coverage for "Acute Onset of Pre-Existing Conditions". This basically provides coverage in the event of an existing medical ailment becoming life threatening and needing emergency medical care. This coverage will usually have exclusions for coverage of gradual or slow worsening of the existing ailment.
INF is one of the few companies which offers USA travel insurance plans for visitors to the US with full coverage for pre-existing ailments. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions.
The INF plans treat the pre-existing conditions like any new sicknesses. Prescription Medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions**'. Some of the common pre-existing condition exclusions are:
- A limit on the coverage for certain adverse medical events like a myocardial infraction, heart attack or other Cardiac events.
- A limit on the number of occurrences within the insured period.
- Explicit exclusions for certain ailments like Urinary Tract infections, Kidney infections or Bladder infections.
This also explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment.
Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?
The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions'
Does INF travel insurance really offer coverage for all preexisting conditions?
In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier, INF Elite, Elite Plus and INF Elite 90 best travel insurance for pre existing conditions.
Compare the best travel insurance for full pre-existing conditions plans INF Premier & INF Elite best travel insurance for pre-existing conditions.
Note: INF Premier, Elite, Elite Plus and Elite 90 plans have a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.Is $100,000 enough for travel insurance with pre-existing condition coverage?
It depends primarily on where you are traveling to. For travel to Europe, some are required to purchase travel health insurance and many European countries only require $50,000, so that should be enough for travel to those countries. In other countries, like the US, Canada, and Japan medical costs are much higher and one may want a higher amount of coverage if you have pre-existing condition.
Visitor medical insurance offering benefits for acute onset of pre-existing conditions may limit coverage amounts or have age restrictions, so choosing a higher maximum might be necessary. The amount that is available for purchase depends on the age of the traveler, so the choice of maximum should be made depending on availability and destination of the traveler.
How to buy US medical insurance for visitors with pre-existing conditions?
1: Finding the available US travel insurance plans
Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.
2: Compare visitor insurance with pre-existing coverage
Compare the plan that offers acute onset of pre existing conditions or full pre existing conditions coverage. Choose a plan that fits your medical needs based on the budget and length of the trip.
3: Buy the travel insurance that you like best
Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.
4: Review insurance plan documents received by email
Review the travel insurance documents received by email closely for coverage details and relevant contact numbers.
Which is the best long term visitor 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.
Looking for an extended coverage? View our long-term travel insurance plans that include coverage for pre-existing conditions.
Best long-term health insurance for visitors with pre-existing conditions
Patriot America Plus Insurance
- Most popular visitor medical insurance among senior travelers visiting USA.
- It can be renewable up to 24 month.
- Acute onset of pre-existing conditions up to the policy maximum for individuals aged up to 70 years.
- Emergency medical evacuation covered up to $1,000,000.
- local_hospital
Provider Network
- request_quote
Deductible
$0, $100, $250, $500, $1,000, $2,500 - calendar_month
Period of Coverage
5 days to 12 months - shopping_cartBuy Now
Patriot America Platinum Insurance
- First class medical insurance for Non US residents traveling to the USA.
- It can be renewable up to 36 months.
- Offers medical maximum coverage up to $8,000,000.
- Acute onset of pre-existing conditions up to the policy maximum for individuals aged up to 70 years.
- Emergency medical evacuation covered up to maximum limit.
- local_hospital
Provider Network
- request_quote
Deductible
$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000 - calendar_month
Period of Coverage
5 days to 12 months - shopping_cartBuy Now
Diplomat Long term Insurance
- Coverage for travelers seeking long-term holiday plans, available for all ages, for travel both within and outside the U.S.
- It can be renewable up to 36 months.
- Coverage for the sudden recurrence of pre-existing conditions up to $20,000 ($2,500 for individuals aged 65 and older).
- Emergency medical evacuation covered up to $250,000.
- The minimum purchase required for this plan is 90 days.
- medical_services
Urgent care clinic
Covered - request_quote
Deductible
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000 - calendar_month
Period of Coverage
90 days to 364 days - shopping_cartBuy Now
International travel medical insurance for Seniors
What are the travel insurance tips for travelers with existing aliments?
Here are some travel insurance tips for travelers with pre-existing conditions
- Choose a travel health insurance plan that covers pre-existing conditions.
- Read the policy carefully to understand what is covered and what is not.
- Be aware of any waiting periods for coverage of pre-existing conditions.
- Consider buying a visitors insurance policy with higher coverage limits.
- Carry a copy of your medical records and list of medications with you when traveling.
- Ensure that you carry your medical prescription and medicines during your trip.
- Know how to access medical care in your destination.
- Contact your visitors insurance provider immediately in case of any medical emergency.
- Disclose all pre-existing conditions when buying visitors health insurance.
- Follow all necessary procedures to file a claim for reimbursement of medical expenses.
Why buy the best visitor insurance for 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 international health insurance that covers Pre existing conditions and select the one which best suits your unique situation
Which pre-existing conditions are covered by US travel insurance?
Travel Insurance for Pre-existing - FAQ's
1. Which travel insurance covers Asthma?
Travel insurance is coverage only for unexpected medical expenses while you are on a trip away from home. Some companies offer coverage for what they call "acute onset" of a pre-existing condition (excluding chronic or congenital disorders). This would be a life or life-style threatening situation that cannot wait to be taken care of when the trip is over.
It must be "acute" meaning that it came on suddenly and needs to be taken care of quickly (defined as within 24 hours of symptom onset). A "pre-existing condition" does not necessarily have to have been previously diagnosed. If it is reasonable to assume that this condition started in the patient before the start date of the insurance, then it will be considered pre-existing to the policy. Note that the exclusion for chronic (conditions that worsen over time) and congenital (conditions a person is born with) limit greatly the application of this exception.
If Asthma is not considered chronic, then an emergency due to Asthma could be covered by a policy which covers at least "acute onset" of pre-existing conditions. If a person requires regular medication and/or doctor visits for their asthma, this will NOT be covered and will have to be paid by the insured completely out of pocket.
Note that in the US, the same medications can differ widely in costs depending on the pharmacy you use and some medications (generally generics) for common illnesses can be purchased for $40 per month at the Walmart pharmacy (although there may be long wait times). Also, some drug companies have special "coupons" available online for some of their drugs. There are often "discount cards" available at pharmacies and other stores for prescriptions that are free to use.
These are all resources your visitor can use to avoid paying full price for costly required medications should they run out while they are in the US. Other countries may not require a prescription and may not be as costly to obtain. Having a prescription with you, however, may be a good idea to ease getting the medication and show authorities you are allowed to have it (in the case of regulated substances which can vary country to country).
2. Do I need to declare Arthritis on travel insurance? Do I have to declare Rheumatoid Arthritis on travel insurance?
No. When you purchase any of our travel insurance plans, they offer guaranteed coverage with no medical questions. However, be aware that they all exclude pre-existing medical conditions. So, please take any medications you use regularly or for flare ups of your conditions since these will not be covered by travel insurance. As far as I know, Arthritis cannot lead to a life-threatening situation, so will be excluded from coverage by short-term travel policies.
If you are a frequent traveler and want major medical coverage in any country to which you travel, you can opt for global medical policies which will (after the first year, generally) cover all aspects of health costs.
You can Compare and buy Global health insurance policies. To apply for these policies, you will have to reveal your entire medical history and you are not guaranteed coverage.
The application must go through underwriting and you can be approved, rejected, or approved with exclusions. In any case, you can opt out of the policy 10 days from your approval for no cost to you or simply reject the exclusions they require on the policy. Note that these policies are best for people who want health insurance for a whole year, or better, longer.
Once you are approved on the plan, you are guaranteed coverage year after year and the price is determined by your age group, not your individual medical history. So, in the case of a global medical insurance application, you would have to declare your Arthritis on the application and you may or may not be covered for that illness by the policy they offer you.
3. Can you get travel insurance if you have a pre-existing condition?
Absolutely, yes! Travel insurance is meant to cover you in the unlikely event of a sudden illness or accident while you are on your trip. Even if you have a pre-existing condition that complicates treatment, that is not relevant to the coverage for an unexpected illness or injury.
Naturally, your pre-existing conditions themselves are excluded from coverage, so you should pack as much medication as you will comfortably need for your trip.
4. Is OsteoArthritis a pre-existing condition?
Yes. Any medical condition you have been diagnosed with or are being treated for will be considered pre-existing to a new travel policy. If you take regular medication for your condition, this will not be covered by the policy. However, should you, for example, have an accident and break a bone, this would be covered even if your condition may have made you a little more vulnerable to the break (unless you were being particularly reckless).
Accidents are generally always covered (car accidents are more complicated because if you were not at fault, the driver's insurance may cover part of your injuries) unless caused by intoxication. So, even if you have OsteoArthritis or some other pre-existing condition, you are still eligible for coverage by a travel insurance policy which will protect you from sudden illness or accident/injury while you are on your trip.
5. Which travel insurance covers heart attack?
This is a tough question. And, unfortunately, the answer depends on where you are traveling to and from.
For people that are traveling to the US from abroad:
As a broker, I am not a medical professional, so I can only tell you this from the insurance side of the question. Generally speaking, the most common cause for heart attack as I understand it is due to plaque build up in the person's arteries.
Since that build up happens slowly, over time, I think it's fair to say that it would NOT be covered by any travel health insurance. This is because travel health insurance excludes pre-existing conditions from any coverage (even emergency coverage if they are chronic or congenital). So the answer for the common cause of heart attacks is NO. So, foreigners run a risk (hopefully a small one) when traveling here.
Health insurance can still help with costs of accidents and other unexpected illnesses while on vacation. However, the answer is be different for people who are US residents traveling abroad. US residents can purchase trip cancellation plans and some of those waive the pre-existing condition exclusion IF you purchase them within a short time of your initial trip deposit (that is the earliest date you pay for any portion of your trip).
Check out trip cancellation plans. Notably, the GeoBlue student and travel plans also waive the pre-existing condition exclusion for people who had creditable prior insurance coverage, and these plans are only available to US residents with US domestic coverage. And, for travel plans for US residents going abroad, some, like the Safe Travels Outbound plans, will cover pre-existing conditions IF they have been stable in the last 6 months (meaning there have been no changes, episodes, or changes to medication in that time frame). You can Compare Safe Travels Outbound Insurance plans.
6. Is Arthritis covered by insurance?
No. Travel health insurance is meant to cover a sudden illness or accident, such as you get a stomach flu or you twist or break your ankle. Since Arthritis is not a life-threatening illness, it will not be covered by a short-term travel plan. Should you require regular medications or ointments, you should bring them or purchase ointments available in the visiting country for your condition.
Some countries may not require prescriptions to purchase medications. However, you should be cautious in using a new medication since there may be side-effects of concern. You may want to stick to what you know or consult with your own physician if you can.
7. Do travel insurances cover pre-existing conditions?
Yes, INF is one company that offers travel insurance for pre-existing conditions. 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.
8. Which policy covers pre-existing diseases?
The following travel insurance plans cover acute onset of pre-existing conditions:
- Atlas travel plan from World trips
- Visitors Protect plan from IMG
- Patriot America Plus plan from IMG
- Travel Medical Choice plan from Seven Corners
- Travel Medical Basic plan from Seven Corners
- Safe Travels USA plan from Trawick International
- Safe Travels USA Comprehensive plan from Trawick International
- Safe Travels Elite plan from Trawick International
- INF Premier plan from INF
- INF Elite plan from INF
- INF Elite Plus plan from INF
- INF Elite 90 plan from INF
- VisitorSecure Insurance plan from World trips
9. 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.
10. Which medical condition affect travel insurance?
Mental and Nervous disorders, maternity and newborn 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.
11. Is there a waiting period for pre-existing conditions?
Travel Insurance plans do not specify anything about the waiting period, but some plans have a look back period for coverage for pre-existing conditions. Most travel insurance plans only cover the acute onset of pre-existing conditions with INF being the exception which offers coverage for Pre-existing conditions up to the defined limit with their INF Premier and INF Elite travel insurance plans.
US Student medical insurance plans which are useful for international students coming to the US for higher studies however do provide a waiting period of 6 months to one year which varies from one plan to another.
12. 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.
13. 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.
However, on American Visitor Insurance on the form to travel insurance quotes, we ask the customer to fill in the requirement details 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 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 a acute onset of a pre-existing condition.
14. What is the pre-existing medical conditions coverage under visitors travel insurance?
The following is the visitors insurance pre-existing conditions coverage buy different US travel insurance providers:
INF Plans. These plans offer full Pre-existing conditions up to the pre-existing conditions coverage limit in the policy:
- INF Elite Insurance comprehensive plans offers full pre-existing conditions up to 99 years. There is a minimum purchase of 90 days required on this plan.
- INF Premier Insurance is fixed or scheduled benefit plan which offers full pre-existing conditions up to 99 years. There is a minimum purchase of 90 days is required on this plan.
- INF Premier Plus Insurance is fixed or scheduled benefit plan which offers full pre-existing conditions up to 65 years. There is a minimum purchase of 90 days is required on this plan.
International Medical Group - IMG offers both full Pre-existing and Acute onset of Pre-existing condition coverage :
- Patriot America plus insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years.
- Visitors Protect is a comprehensive visitor medical insurance offers Pre-existing conditions up to age 99 years. A minimum purchase of 90 days is required on this plan.
WorldTrips offers acute onset of Pre-existing conditions:
- Atlas America Insurance is a comprehensive visitor insurance that offers acute on set of pre-existing conditions aged up to age 79 years. (Excludes chronic condition or congenital condition)
- Visitor Secure is a fixed benefit plan that offers acute on set of pre-existing conditions aged up to age 79 years. (Excludes chronic condition or congenital condition)
Trawick International offers Acute onset of Pre-existing conditions and sudden, unexpected recurrence of a Pre-existing Conditions:
- Safe Travels USA travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.
- Safe Travels USA Comprehensive plan covers acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
Seven Corners offers acute onset of Pre-existing conditions:
- Travel Medical Insurance comprehensive plans offers Acute on set of pre-existing conditions up to 79 years.
- Travel Medical USA Visitor plans fixed plans offers Acute on set of pre-existing conditions up to 79 years.
15. What is the Look back period for pre-existing conditions in travel insurance?
The Lookback period is the period before the travel insurance policy's effective date during which the pre-existing medical condition must be stable. The look back period varies depending on the policy.
16. Can I receive treatment or take medication for my pre-existing medical condition during the Look back period and still be eligible for coverage?
No, typically, you must not receive any treatment or medication for the pre-existing condition during the Lookback period to be eligible for coverage under the policy.
17. Is there an age limit to purchase visitors travel insurance for acute onset of pre-existing conditions?
Yes, there is typically an age limit for purchasing visitors travel insurance for acute onset of pre-existing conditions. The age limit varies depending on the policy.
- inf plans offers Full Pre-existing conditions up to 99 years.
- Seven Corners and WorldTrips offers Acute on set of Pre-existing up to 79 years.
- Trawick-International plans offers Acute on set and sudden and unexpected pre-existing conditions up to 89 years.
- IMG Visitor Protect offers Pre-existing conditions up to 99 years and Patriot America Plus offers Acute on set of Pre-existing up to 70 years.
What US visitors insurance plans for a 80+ year old senior with heart surgery traveling to USA?
Please can you get me the different options for a 87 year old Indian traveling to USA for 1 month. He has had heart by-pass surgery in 2022. Please can you get me the different options including details of what pre-existing is covered.
Thank you,Gopal
Here are details of available US travel insurance for pre-existing conditions. Most of the comprehensive plans provide only $10,000 or $20,000 as policy maximum for this age. There are fixed benefit plans which provide higher policy maximums of $50,000 or $100,000. We have put down a list of plans with the best possible options for your requirements.
Here are the suitable Pre-exiting conditions travel insurance:1. Visit USA Standard: This is a comprehensive plan from Travel Insurance Services and provides a policy maximum coverage of $20,000. This plan comes under the PPO network of First Health and United HealthCare and provides coverage of 100% for eligible expenses within the PPO network. This plan costs $404.60 for a policy maximum of $20,000 with a deductible of $250 for 1 month for your visitor. This plan provides coverage for acute onset of pre-existing conditions.
2. Visit USA Superior: This is another variant of the Standard plan mentioned above and is a comprehensive plan from Travel Insurance Services and provides a policy maximum coverage of $20,000. This plan comes under the PPO network of First Health and United HealthCare and provides coverage of 100% for eligible expenses within the PPO network. This plan costs $680.60 for a policy maximum of $20,000 with a deductible of $250 for 1 month for your visitor. This plan provides coverage for acute onset of pre-existing conditions.
3. Safe Travels Elite: This is a Fixed plan from Trawick International and provides a policy maximum of $100,000. This plan comes under First Health PPO network. This plan covers acute onset of pre-existing conditions. This plan costs $661.50 for a policy maximum of $100,000 with a deductible of $200.
4. Safe Travels Advantage: This is a Fixed plan from Trawick International and provides a policy maximum of $100,000. This plan comes under First Health PPO network. The plan pays 80% of preferred allowance within the network and 80% of plan maximum for expenses incurred out of network. This plan covers acute onset of pre-existing conditions. This plan costs $690 for a policy maximum of $100,000 with a deductible of $0.
Please let us know in case of any questions.
Regards,
Customer Care,
www.americanvisitorinsurance.com
(877) 340 7910
What is the best visitor medical insurance for visitors with Diabetes?
I am looking for advice on how to get 3 months of medical insurance for my son while he works in the USA for Americamp. The insurance they provide does not cover an acute onset of a medical condition. He has type 1 diabetes. He would not need prescriptions or any ordinary care as he will be bringing insulin etc with him but I am concerned that if there was to be an incident related to his condition he would not be covered. Please get back to me with any suggestions.
ThanksTania
Hi! You can get insurance to cover what is called "acute onset" of a pre-existing condition. This means that if you have some unexpected emergency due to your pre-existing condition then it should be covered (there are some medical conditions that are excluded from coverage). It depends on the age as to which policies and for how much they will cover you. You can use this link to search suitable plan options for you:
Pre-existing coveragePlease note that regular medication, treatment, or doctor visits due to a pre-existing condition will not be covered and, of course, the condition must be stable before you travel.
I hope we can find something for your situation. If you want a more specific quote and option, tell us the age as well as your dates of travel and we can make a suggestion for you.
Regards,
www.americanvisitorinsurance.com
(877) 340 7910
Find out more about Pre-existing condition visitors insurance
Visitors insurance pre existing condition - FAQ's
1. 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>>.
2. Are there any medical tests required to buy pre existing visitor insurance?
No, there are no medical tests required for purchasing visitor travel insurance to usa with pre existing conditions.
3. Which are the USA travel health insurance 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 acute onset of pre-existing conditions**. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
4. Why should I get visitor medical insurance with coverage for pre-existing medical conditions?
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
5. Can you get travel insurance with a pre existing condition coverage?
Travel insurance plans usually cover unexpected or sudden sickness or injuries. Pre-existing condition is 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).
Some international travel insurance plans offer coverage for acute onset of pre-existing conditions. 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.
6. Does US travel insurances cover pre-existing conditions? Can I get international health insurance with a pre-existing condition?
While most US travelers insurance plan do not cover pre-existing conditions, however some US travel insurance plans cover acute onset of pre-existing conditions. INF insurance is the one provider who offers travel insurance with coverage for pre-existing conditions.
7. 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 are two INF plans with coverage for blood pressure.
8. Which medical condition affect travel insurance?
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.
9. What happens if you don't disclose pre-existing condition travel insurance?
Most US short term travel medical insurance plans do not ask specific questions about the pre-existing conditions. US travel medical insurance typically provide little or no visitors insurance coverage for pre-existing conditions, and details of the visitors health insurance coverage for pre-existing conditions is clearly mentioned in the policy brochure.
To help customers, we at American Visitor Insurance ask customer about coverage for pre-existing conditions requirement. Based on customer needs, we list the best visitors insurance for pre-existing conditions coverage or for acute onset of pre-existing conditions coverage. This way it is easier for customers to view the best visitors medical insurance for pre-existing conditions.
10. Why American visitor insurance?
- Wide range of temporary US travel insurance options
- Travel insurance with Covid19 and quarantine coverage
- Several new US immigrant insurance plans available
- Popular Schengen visa insurance with required visa letter
- Travel health insurance and trip cancellation insurance options
- Affordable international student health insurance plans
- Resourceful user friendly compare travel insurance tool
- Customer support with support for claims settled in the USA
- Fixed benefit and comprehensive international travel insurance plans
- 24/7 licensed US travel insurance agent support
- Guaranteed cheapest travel medical insurance price
- Travel health insurance customer support during crisis
- Relevant US travel insurance blogs, articles and FAQ's
- Travel insurance reviews to help decide on plans
Pre existing condition travel insurance related links
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Popular pre-existing conditions for visitors to the USA plans which have coverage for pre-existing conditions.
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Travel insurance that covers pre existing conditions - Blogs and articles
Coverage for persons with pre-existing conditions
Visitors to the US with pre-existing ailments need to review plans that provide them coverage for their medical ailments. The plans offered here provide such coverage.
Click here to read more »Visitor insurance with pre-existing coverage
Travelers who already have existing medical ailments need to be aware of the limitations of travel medical insurance coverage, and seek to buy plans that specifically offer some coverage for pre-existing conditions.
Click here to read more »Diabetes and Pre Existing Visitor Medical Insurance
Get free quotes of pre existing visitor medical insurance and compare. Some of the tips for diabetes patients to be healthy.
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