Pre-existing coverage visitor insurance plans
Short term visitor medical insurance plans are designed to protect against sudden accidents or illnesses and usually do not include benefits for preventive care, immunizations, dental or vision care. These Short term plans also do not cover pre-existing medical ailments. However the plans displayed in this page do provide some coverage for pre-existing conditions.
Fixed Benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Covers acute onset of pre-existing conditions
- $50,000 plan limit offers coverage of $50,000 for eligible expenses
- $75,000 plan limit offers coverage of $75,000 for eligible expenses
- $100,000 & $130,000 plan limits offer coverage of $100,000 for eligible expenses
- The plan also covers up to $25,000 lifetime maximum for emergency medical evacuation
Coverage for pre
- existing conditions
- This is an add on option
- Covers Stroke or Myocardial Infarction (Heart Attack)
- Up to $5,000 coverage for ages 0 - 69 years
- Up to $2,500 coverage for 70+ travelers
Covers acute onset
of pre - existing conditions
- Insurers aged below 70 years are covered at no additional charge
- Treatment must be received within 24 hours of the onset
- The acute onset benefit will be the same amount as your client's chosen policy maximum, however, unlike the policy maximum, the acute onset is paid on a per period of policy basis. This means if multiple acute onsets of a pre - existing condition occur, regardless of whether or not they are a different condition, we will only pay to the cumulative per maximum period of policy.
- Up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14 days - 69 years
Policy must become effective within 180 days of arrival in US.
Policy must become effective within 180 days of arrival in US.
- Select Age
- Coverage
- Deductible
- $39.06 PER MONTH BUY
Covers acute onset
of pre - existing conditions
- Insurers aged below 70 years are covered at no additional charge
- Treatment must be received within 24 hours of the onset
- The acute onset benefit will be the same amount as your client's chosen policy maximum, however, unlike the policy maximum, the acute onset is paid on a per period of policy basis. This means if multiple acute onsets of a pre - existing condition occur, regardless of whether or not they are a different condition, we will only pay to the cumulative per maximum period of policy.
- Up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14
days - 69 years
Policy must become effective within 180 days of arrival in US.
Policy must become effective within 180 days of arrival in US.
- Select Age
- Coverage
- Deductible
- $35.03 PER MONTH BUY
Covers acute onset
of pre - existing conditions
- Insurers aged below 70 years are covered at no additional charge
- Treatment must be received within 24 hours of the onset
- The acute onset benefit will be the same amount as your client's chosen policy maximum, however, unlike the policy maximum, the acute onset is paid on a per period of policy basis. This means if multiple acute onsets of a pre - existing condition occur, regardless of whether or not they are a different condition, we will only pay to the cumulative per maximum period of policy.
- Up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14
days - 69 years
Policy must become effective within 24 months of arrival in US.
Policy must become effective within 24 months of arrival in US.
- Select Age
- Coverage
- Deductible
- $32.90 PER MONTH BUY
Covers acute onset
of pre - existing conditions
- Insurers aged below 70 years are covered at no additional charge
- Treatment must be received within 24 hours of the onset
- The acute onset benefit will be the same amount as your client's chosen policy maximum, however, unlike the policy maximum, the acute onset is paid on a per period of policy basis. This means if multiple acute onsets of a pre - existing condition occur, regardless of whether or not they are a different condition, we will only pay to the cumulative per maximum period of policy.
- Up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14
days - 69 years
Policy must become effective within 24 months of arrival in US.
Policy must become effective within 24 months of arrival in US.
- Select Age
- Coverage
- Deductible
- $37.24 PER MONTH BUY
Acute Onset of Pre-existing Condition
- Up to the Maximum policy limit per period of coverage(Basic,Silver,Gold,Platinum,Diamond)
- Maximum Lifetime Limit for Emergency Medical Evacuation of $25,000
- Insurers aged 70 years benefits will be reduced to a maximum of $25,000 in Diamond
Comprehensive plans do not have benefit
limits based on the type of medical expense. Benefits for covered
medical expenses go all the way up to the plan maximum (less deductible
and co-insurance)
- Under age 70:Covers up to overall maximum limit.
- Age 70 to 79:Covers up to overall maximum limit or $100,000, whichever is lower.(excludes chronic and congenital conditions)
- Up to $1,000,000 lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition.
Eligibility For Non US
citizens under 70 years of age travelling outside their home
country
- Select Age
- Coverage
- Deductible
- $46.19 PER MONTH BUY
- Limited benefit up to the medical coverage maximum (excludes chronic and congenital conditions).
- $25,000 lifetime maximum for emergency medical evacuation
Eligibility Only US Citizens and non-US citizens whose travel does not include the USA
- Select Age
- Coverage
- Deductible
- $46.19 PER MONTH BUY
Coverage for Pre
- existing Condition
- Up to policy maximum prior to age 70 years
- $25,000 lifetime maximum for emergency medical evacuation resulting from pre-existing conditions
Eligibility Non
US citizens travelling outside their home country
- Select Age
- Coverage
- Deductible
- $59.25 PER MONTH BUY
- Sudden and Unexpected Recurrence of a Pre - existing
Condition
- Medical: Up to $50,000 lifetime Maximum for age 65 years and under, Up to $2,500 for age 65+
- Emergency Medical Evacuation: Up to $25,000 of eligible costs and expenses.
- Applicants under 65 years of age, plan must be purchased within 6 months of arrival in the United States.
- Applicants over 65 years of age it must begin within 30 days of arrival.
Eligibility Non
US citizens travelling outside their home country
- Select Age
- Coverage
- Deductible
- $41.25 PER MONTH BUY
For US citizens:
- Acute onset of a Pre - existing ccondition
Condition
- Medical:
- Up to age 65 years with primary health plan - usual, reasonable and customary charges up to plan maximum
- Up to age 65 years without primary health plan - $20,000 maximum limit
- 65 years and above with or without primary health plan - $2,500 maximum limits
- Emergency Medical Evacuation: Up to $25,000 of eligible costs and expenses.
- Medical:
Eligibility People travelling home country whose destination excludes US and its territories
- Select Age
- Coverage
- Deductible
- $26.40 PER MONTH BUY
1) For US Citizens
- Sudden and Unexpected Recurrence of a Pre - existing
Condition
- Medical:
- Up to age 65 years with primary health plan - usual, reasonable and customary charges up to plan maximum
- Up to age 65 years without primary health plan - $20,000 lifetime maximum
- 65 years and above with or without primary health plan - $2,500 lifetime maximum
- Medical:
- Sudden and Unexpected Recurrence of a Pre - existing
Condition
- Medical:
- Up to $50,000 lifetime Maximum for age 65 years and under
- Up to $2,500 for age 65+
- Medical:
- Sudden and Unexpected Recurrence of a Pre - existing
Condition
- Emergency Medical Evacuation:
- Up to $25,000 of eligible costs and expenses
- Emergency Medical Evacuation:
Eligibility
Ideal for US citizens travelling outside USA and Non US Citizens travelling outside their home country
Ideal for US citizens travelling outside USA and Non US Citizens travelling outside their home country
- Select Age
- Coverage
- Deductible
- $41.25 PER MONTH BUY
1) For US Citizens
- Sudden and Unexpected Recurrence of a Pre - existing
Condition
- Medical:
- Up to age 65 years with primary health plan - usual, reasonable and customary charges up to plan maximum
- Up to age 65 years without primary health plan - $20,000 lifetime maximum
- 65 years and above with or without primary health plan - $2,500 lifetime maximum
- Medical:
- Sudden and Unexpected Recurrence of a Pre - existing
Condition
- Medical:
- Up to $50,000 lifetime Maximum for age 65 years and under
- Up to $2,500 for age 65+
- Medical:
- Sudden and Unexpected Recurrence of a Pre - existing
Condition
- Emergency Medical Evacuation:
- Up to $25,000 of eligible costs and expenses
- Emergency Medical Evacuation:
Eligibility
Ideal for US citizens travelling outside USA and Non US Citizens travelling outside their home country
Ideal for US citizens travelling outside USA and Non US Citizens travelling outside their home country
- Select Age
- Coverage
- Deductible
- $127.05 PER MONTH BUY
Waiver of Pre-existing Condition: United States Residents outside the United States
- Age 0-69: $25,000
- Age 70 & over: $5,000
- Emergency Services & Assistance limit $25,000
- Age 0-69: $15,000
- Age 70 & over: $2,500
- Emergency Services & Assistance limit $25,000
Eligibility Ideal
for US citizens travelling outside USA and Non US Citizens
travelling outside their home country
- Select Age
- Coverage
- Deductible
- $37.17 PER MONTH BUY
Waiver of Pre-existing Condition: United States Residents outside the United States
- Age 0-69: $50,000
- Age 70 & over: $10,000
- Emergency Services & Assistance limit $25,000
- Age 0-69: $30,000
- Age 70 & over: $5,000
- Emergency Services & Assistance limit $25,000
Eligibility Individuals and families (including unmarried dependent children over 14 days and under 18 years of age) while traveling outside of their home country
- Select Age
- Coverage
- Deductible
- $52.86 PER MONTH BUY
Coverage for Pre
- existing Condition
- Up to $20,000 for U.S. citizens traveling outside the United States
- For foreign nationals visiting the United States, up to $200 per day for each night spent in the hospital after being admitted for either a heart attack or stroke. Max. Benefit of $3,000.
Eligibility 14
days to 80+ years
- Select Age
- Coverage
- Deductible
- $85.50 PER MONTH BUY
Coverage for Pre
- existing Condition
- Up to $10,000 per period of coverage for ages 14 days to 64 year
- Up to $2,500 per period of coverage for 65+ travelers
Eligibility Non
US citizens travelling outside their home country, 14 days
to 65+ years.
- Select Age
- Coverage
- Deductible
- $59.25 PER MONTH BUY
Unexpected Recurrence of a Pre-existing Condition
- The plan pays, up to $1,000 for the chosen deductible and coinsurance for covered medical expenses resulting from a sudden, unexpected recurrence of a pre-existing condition while traveling outside the home country. The benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the effective date of coverage.
Sudden and Acute Onset of Pre-Existing Condition
- Up to age 69: Up to the maximum limit per period of coverage
- Age 70: Up to $25,000 per period of coverage
- Maximum lifetime limit for emergency medical evacuation $25,000
Unexpected Recurrence of a Pre-existing Condition
- The plan pays $1,000 subjected to chosen deductible and coinsurance of covered medical expenses resulting from a sudden, unexpected recurrence of a pre-existing condition while traveling outside the home country.
- This plan does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the effective date of coverage.
- This plan is not available to greencard holders in the USA.
- This plan is not available to anyone over age 90.
Find out more about Pre-existing condition visitors insurance
Frequently asked questions?
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. Read more.
No , there are no medical tests required for purchasing visitor insurance
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.
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