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.
 
Age
Start Date
End Date
Coverage
Citizenship
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
Eligibility 14 days to 69 years
  • Select Age
  • Coverage   
  • Deductible
  • $30.69 PER MONTH BUY
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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
Eligibility No age limit
  • Select Age
  • Coverage   
  • Deductible
  • $37.54 PER MONTH BUY
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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.
  • Select Age
  • Coverage   
  • Deductible
  • $39.06 PER MONTH BUY
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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.
  • Select Age
  • Coverage   
  • Deductible
  • $35.03 PER MONTH BUY
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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.
  • Select Age
  • Coverage   
  • Deductible
  • $32.90 PER MONTH BUY
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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.
  • Select Age
  • Coverage   
  • Deductible
  • $37.24 PER MONTH BUY
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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
Eligibility 14 days to 89 years
  • Select Age
  • Coverage   
  • Deductible
  • $37.24 PER MONTH BUY
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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)
  • Limited benefi t up to the medical coverage maximum (excludes chronic and congenital conditions).
  • $25,000 lifetime maximum for emergency medical evacuation
Eligibility For Non US citizens under 70 years of age travelling outside their home country
  • Select Age
  • Coverage   
  • Deductible
  • $46.19 PER MONTH BUY
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  • 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
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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
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  • 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.
Criteria for visting to the USA
  • 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
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  • 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
    • Emergency Medical Evacuation: Up to $25,000 of eligible costs and expenses.
Eligibility US Citizens travelling outside the US with coverage for brief return to the US
  • Select Age
  • Coverage   
  • Deductible
  • $26.40 PER MONTH BUY
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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
2) For Non - US Citizens
  • 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+
3) For US and Non - US Citizens
  • Sudden and Unexpected Recurrence of a Pre - existing Condition
    • Emergency Medical Evacuation:
      • Up to $25,000 of eligible costs and expenses
Eligibility
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
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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
2) For Non - US Citizens
  • 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+
3) For US and Non - US Citizens
  • Sudden and Unexpected Recurrence of a Pre - existing Condition
    • Emergency Medical Evacuation:
      • Up to $25,000 of eligible costs and expenses
Eligibility
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
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Waiver of Pre - Existing Conditions
  • For U.S. citizens
    • Up to $25,000 under age 70 years traveling outside the United States and Canada
    • Up to $5,000 for Age 70+
Acute Onset of a Pre - existing Condition
  • For NON U.S. citizens
    • Up to $25,000 under age 65 years traveling to the United States
    • Age 65-69 years: up to $2,000
    • No benefits for Age 70+
Eligibility Ideal for US citizens travelling outside USA and Non US Citizens travelling outside their home country
  • Select Age
  • Coverage   
  • Deductible
  • Co Insurance
  • $37.17 PER MONTH BUY
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Unexpected recurrence of a pre - existing conditions
  • For U.S. citizens
    • Up to $20,000 under age 70 years traveling outside the United States and Canada
    • Up to $5,000 for Age 70+
Acute Onset of a Pre - existing Condition
  • For NON U.S. citizens
    • Up to $15,000 under age 70 years traveling to the United States
    • No benefits for Age 70+
Eligibility Individuals and families (including unmarried dependent children over 14 days and under 19 years of age) while traveling outside of their home country
  • Select Age
  • Coverage   
  • Deductible
  • $52.86 PER MONTH BUY
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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
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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
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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.
Eligibility 14 days to 89 years
  • Select Age
  • Coverage   
  • Deductible
  • $37.24 PER MONTH BUY
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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
Eligibility 14 days to 89 years
  • Select Age
  • Coverage   
  • Deductible
  • $37.24 PER MONTH BUY
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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.
Eligibility 14 days to 89 years
  • Select Age
  • Coverage   
  • Deductible
  • $37.24 PER MONTH BUY
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