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 acute onset of pre-existing conditions. Acute onset 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.
Pre-existing condition insurance plan for visitors
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
Covers acute onset
of pre - existing conditions
- Up to policy maximum per coverage period subject to the sublimits for each benefit.
- Treatment must be received within 24 hours of the onset
- Up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14 days - 69 years
Policy must become effective within 180 days of your arrival in US.
Policy must become effective within 180 days of your arrival in US.
- Select Age
- Coverage
- Deductible
- $56.42 PER MONTH BUY
Covers acute onset
of pre - existing conditions
- Up to policy maximum per coverage period subject to the sublimits for each benefit.
- Treatment must be received within 24 hours of the onset
- Up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14 days - 69 years
Policy must become effective within 180 days of your arrival in US.
Policy must become effective within 180 days of your arrival in US.
- Select Age
- Coverage
- Deductible
- $38.13 PER MONTH BUY
Covers acute onset
of pre - existing conditions
- Up to policy maximum per coverage period subject to the sublimits for each benefit.
- Treatment must be received within 24 hours of the onset
- Up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14
days - 69 years
Policy must become effective within 24 months of your arrival in US.
Policy must become effective within 24 months of your arrival in US.
- Select Age
- Coverage
- Deductible
- $62.04 PER MONTH BUY
Covers acute onset
of pre - existing conditions
- Up to policy maximum per coverage period subject to the sublimits for each benefit.
- Treatment must be received within 24 hours of the onset
- Up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14 days - 69 years
Policy must become effective within 24 months of your arrival in US.
Policy must become effective within 24 months of your arrival in US.
- Select Age
- Coverage
- Deductible
- $69.48 PER MONTH BUY
Acute Onset of Pre-existing Condition
- Acute Onset of a Pre-existing Condition - up to policy maximum for age up to 69 years, $35,000 for age 70-79 years, $15,000 for age 80-89 per policy period subject to the sub limits as mentioned ( any coverage related to cardiac disease or conditions is limited to $25,000 for age up to 69 years, $15,000 for age 70 years and above)
- This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing condition.
- Maximum Lifetime Limit for Emergency Medical Evacuation of $25,000
Coverage for Acute Onset of Pre- existing Condition
- Up to $20,000 coverage for under 65 year old travelers
- Up to $2,500 coverage for 65+ travelers
- Excludes chronic and congenital conditions
Eligibility Anyone who is traveling to the United States and is not a U.S. citizen or permanent resident.
- Select Age
- Coverage
- Deductible
- $62.97 PER MONTH BUY
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)
Covers acute onset of pre - existing conditions
- Under age 70:Covers up to overall maximum limit.(excludes chronic and congenital conditions)
- Age 70 to 79:Covers up to overall maximum limit or $100,000, whichever is lower.(excludes chronic and congenital conditions)
Eligibility For US and Non US citizens travelling outside their home
country
- Select Age
- Coverage
- Deductible
- $230.95 PER MONTH BUY
Coverage for Acute Onset of Pre- existing Condition
- Up to the overall maximum limit
- Excludes chronic and congenital conditions
- Under age 70:Covers up to overall maximum limit.(excludes chronic and congenital conditions)
- Age 70 to 79:Covers up to overall maximum limit or $100,000, whichever is lower.(excludes chronic and congenital conditions)
Eligibility Atlas America is a visitor travel medical insurance plan for visitors to the US
- Select Age
- Coverage
- Deductible
- $153.14 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 Acute onset of 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
- $150.00 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
- Age 65+ years 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
- $133.75 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
- Age 65+ years 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
- $433.75 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
- $142.21 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 Ideal for US citizens travelling outside USA and Non US Citizens travelling outside their home country
- Select Age
- Coverage
- Deductible
- $127.49 PER MONTH BUY
Waiver of Pre-existing Condition: United States Residents outside the United States
- Age 0-64: To the medical maximum (with a primary health plan)
- Age 0-64: Up to $50,000 (without a primary health plan)
- Age 65+: Up to $2,500 (without a primary health plan)
- Emergency Services & Assistance limit $25,000
- Age 0-69: $50,000
- Age 70 & over: $10,000
- 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
- $316.59 PER MONTH BUY
Coverage for Acute Onset of Pre- existing Condition
- Up to $25,000 coverage for under 65 year old travelers
- Up to $2,500 coverage for 65+ travelers
- Excludes chronic and congenital conditions
Eligibility Anyone who is traveling to the United States and is not a U.S. citizen or permanent resident.
- Select Age
- Coverage
- Deductible
- $278.73 PER MONTH BUY
Coverage for Acute Onset of Pre- existing Condition
- Up to $20,000 coverage for under 65 year old travelers
- Up to $2,500 coverage for 65+ travelers
- Excludes chronic and congenital conditions
Eligibility Anyone who is traveling to the United States and is not a U.S. citizen or permanent resident.
- Select Age
- Coverage
- Deductible
- $131.17 PER MONTH BUY
