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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 pre-existing conditions insurance plans for US 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. Compare and buy travel insurance for people with Pre-existing medical conditions.

Pre-existing condition insurance plan for visitors to the USA

Age
Spouse Age
Start Date
End Date
Coverage
Citizenship
  • Fixed Benefit Plans
  • Comprehensive Plans
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
  • $56.11 PER MONTH BUY
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Coverage for pre- existing conditions

Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
Eligibility No age limit
  • Select Age
  • Coverage   
  • Deductible
  • $73.53 PER MONTH BUY
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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.
  • Select Age
  • Coverage   
  • Deductible
  • $56.42 PER MONTH BUY
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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 365 days of your arrival in US.
  • Select Age
  • Coverage   
  • Deductible
  • $38.13 PER MONTH BUY
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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.
  • Select Age
  • Coverage   
  • Deductible
  • $62.04 PER MONTH BUY
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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.
  • Select Age
  • Coverage   
  • Deductible
  • $69.48 PER MONTH BUY
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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
  • Covid19 travel insurance with Coronavirus coverage
Eligibility 14 days to 89 years
  • Select Age
  • Coverage   
  • Deductible
  • $56.11 PER MONTH BUY
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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
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Only fixed benefit plan with full pre-existing coverage
  • It includes doctor appointments, blood tests and lab work, special care, urgent care and hospital stays.
  • This plan offers policy maximum options of $100,000, $150,000 and $300,000. For people in the age range of 70 - 99, this plan provides a policy maximum of $100,000.
  • The deductible options available for this plan are $75 and $250 for age range of 0-69 and for the people of the age range of 70 - 99, the deductible of $250 and $500 are available.
  • There is a pre existing deductible apart from the deductible value mentioned above, that needs to satisfied to avail the pre existing coverage benefit.
  • Pre existing coverage of $20,000/$30,000/$40,000 and $60,000 are available for age 0-69 with deductible options of $1,000 and $5,000.
  • Pre existing coverage of $15,000 and $25,000 are available for age 70-99 with deductible options of $1,000 and $5,000.
  • The plan must be purchased for at least 3 months.
  • Covid19 travel insurance with Coronavirus coverage
Eligibility This plan is available for Non US citizens and the US citizen expatriates visiting the US.
  • Select Age
  • Coverage   
  • Deductible
  • Pre-existing Ded
  • $62.97 PER MONTH BUY
IMPORTANT NOTE: Plan should be purchased for minimum 3 months
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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)
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)
  • Covid19 travel insurance with Coronavirus coverage
Eligibility For US and Non US citizens travelling outside their home country
  • Select Age
  • Coverage   
  • Deductible
  • $230.95 PER MONTH BUY
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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)
  • Covid19 travel insurance with Coronavirus coverage
Eligibility Atlas America is a visitor travel medical insurance plan for visitors to the US
  • Select Age
  • Coverage   
  • Deductible
  • $153.14 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 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
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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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For US citizens:
  • Acute onset 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 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.
For Non US citizens: Up to 70 years - covers up to maximum limit or $500,000 - which ever is less
Eligibility People travelling home country whose destination excludes US and its territories
  • 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
      • Age 65+ years 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
  • $133.75 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
      • Age 65+ years 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
  • $433.75 PER MONTH BUY
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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
Acute Onset of a Pre-existing Condition: Non-United States Residents in the United States
  • 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
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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
Acute Onset of a Pre-existing Condition: Non-United States Residents in the United States
  • 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
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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
Acute Onset of a Pre-existing Condition: Non-United States Residents in the United States
  • 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
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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
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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
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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.
  • Covid19 travel insurance with Coronavirus coverage
Eligibility 14 days to 89 years
  • Select Age
  • Coverage   
  • Deductible
  • $167.25 PER MONTH BUY
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Acute Onset of Pre-Existing Condition
  • Up to age 69: Up to the maximum limit per period of coverage (Except for any coverage related to cardiac disease or conditions, which will be limited to $25,000)
  • Age 70 and above: Up to $35,000 per period of coverage (Except for any coverage related to cardiac disease or conditions, which will be limited to $15,000
  • This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing condition.
  • Maximum lifetime limit for emergency medical evacuation $25,000
  • Covid19 travel insurance with Coronavirus covergae
Eligibility 14 days to 89 years
  • Select Age
  • Coverage   
  • Deductible
  • $140.43 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.
  • Covid19 travel insurance with Coronavirus covergae
Eligibility 14 days to 89 years
  • Select Age
  • Coverage   
  • Deductible
  • $137.33 PER MONTH BUY
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Best comprehensive plan with full pre existing condition coverage available
  • This includes doctor appointments, blood tests and lab work, special care, urgent care and hospital stays.
  • Covers pre-existing conditions up to $25,000 under age 70 years and above all others $20,000 with deductible $1,500.
  • The plan must be purchased for at least 3 months.
  • Covid19 travel insurance with Coronavirus covergae
Eligibility: Ideal for Non US citizens outside their home country to USA up to 99 years
  • Select Age
  • Coverage   
  • Deductible
  • $137.33 PER MONTH BUY
IMPORTANT NOTE: Plan should be purchased for minimum 3 months
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Travel insurance with Covid coverage and acute onset of pre-existing medical conditions
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Travel Insurance for Pre-existing - FAQ's

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).

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.

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.

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.

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.

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.

Best health insurance for visitors to USA with pre-existing conditions

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.

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'.

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 Network best travel insurance for pre existing conditions.

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Note: **Both the Premier plan and Elite plan have a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

Travel insurance for foreigners in USA

In 2022 even as many countries opened their borders again for international tourists, the threat of the Covid19 with the sub variants like Omicron BA.1, BA.2, BA.3, BA.4 and BA.5 continued to spread across the globe. Even though the Omicron sub-variants are notorious for their immune evasion capacity, thanks to increased vaccination, they have been less hospitalization with these infections. In fact international travelers flying in to the USA, are now no longer required to have a negative COVID19.

Travel Insurance with covid coverage for visiting USA

However, given the pandemic international travelers are understandably more concerned about safety while traveling. Unlike before the pandemic, there is now an increased demand to buy the best travel insurance available. Most US travel insurance providers now include coverage for Covid19 just like any other illness.

To protect the trip it is advisable to get travel medical insurance with wide benefits like, trip cancellation, cancel for any reason, travel delay or interruption, baggage or personal belongings loss, medical expenses of COVID19, emergency medical evacuation and repatriation etc...

At American visitor insurance travelers can choose from a wide range of choices that cater to various travel and medical needs. Travelers can compare and include the benefits according to their specific requirement. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

Cheap Covid travel insurance for visiting USA

Trawick International insurance

Trawick International offers visitor medical insurance for coronavirus with their Safe Travels USA Insurance. The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. Travelers can compare Safe Travels USA Covid19 travel insurance plans and buy it online to get coverage as early as the following day. Travelers can also download a visa letter which indicates that Safe travels USA visitors insurance covers covid19 illness.

International Medical Group (IMG) insurance for Covid19

International Medical Group (IMG) travel insurance offers coronavirus insurance for USA with the Patriot America Plus and Patriot Platinum insurance plans. The Patriot America Plus Insurance and Patriot America Platinum insurance include COVID coverage like any other illness up to the policy maximum.

INF travel insurance

INF travel insurance offers Covid coverage as any other new sickness. It is available for Non-US citizens or residents travelling to the US. INF Premier and INF Elite plans covers pre-existing complications from COVID19.

Global Underwriters US visitor insurance

Diplomat America travel insurance by Global Underwriters offers coverage for covid19 as a new sickness. It is available for Non-US citizens or residents traveling to the US. Diplomat Long term Covid19 medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.

Seven Corners visitors medical insurance

Travel Medical Plus Insurance offered by Seven Corners includes health insurance treatment benefit for COVID19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

Please know we are here to help you make the best, informed decision to get coverage even for COVID19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Travel insurance for Coronavirus Covid

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Cost of best US travel insurance for pre-existing conditions

Best travel insurance with pre-existing condition coverage -

Age: 40 years; Duration: 1 Month; Deductible: $0

Plan name
Pre-existing coverage
Estimate Plan Cost+
(Plan maximum coverage)
  • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
  • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
  • Available for US citizens visiting USA
Coverage: $50,000 - $1,000,000?
Price range: $90 - $170
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  • Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
  • Atlas America Covid insurance offers coverage for coronavirus illness.
Coverage: $50,000 - $2,000,000 ?
Price range: $110 - $230
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  • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
  • Covers Acute Onset of a Pre-Existing Condition: Up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years and $15,000 for ages 70 and above. Above 70 years the Acute Onset benefits is reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
  • It offers coverage for visitors up to 89 years.
Coverage: $50,000 - $1,000,000 ?
Price range: $90 - $160
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  • Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
  • Safe travel USA Covid insurance offers coverage for coronavirus.
  • It offers coverage for visitors up to 89 years.
Coverage:$50,000 - $1,000,000 ?
Price range:$90 - $160
Buy now
  • Covers unexpected recurrence of a pre-existing medical conditions up to $1000
  • Safe travel USA Cost Saver Covid insurance offers coverage for coronavirus.
  • Eligible for foreign residents visiting USA and worldwide
  • It offers coverage for visitors up to 89 years.
Coverage: $50,000 - $1,000,000 ?
Price range: $70 - $120
Buy now
  • Travel Medical Plus Covid insurance offers coverage for coronavirus.
  • Including USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 69 years and a coverage of $5,000 for age of 70-79.
  • Excluding USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age of 65-74.
Coverage: $50,000 - $1,000,000 ?
Price range: $160 - $290
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  • The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000
  • Including USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years and a coverage of $2,500 for age of 70-79.
  • Excluding USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 64 years and a coverage of $5,000 for age of 65-79.
Coverage: $50,000 - $1,000,000 ?
Price range: $110 - $180
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  • This plan is for Non Us citizens and Non US residents visiting the US.
  • Covers pre-Existing condition exclusion: 24 Months prior to the start date of coverage
Coverage: $50,000 - $1,000,000 ?
Price range: $130 - $220
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Best travel insurance with pre-existing condition coverage -
Plan name
Pre-existing coverage
Estimate Plan Cost+ with plan maximum coverage
  • Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
  • Visit USA offers 3 plans to satify your requirements and budget.
  • Covers Acute onset pre-Existing condition up to Ages 65 and above: $2,500 ; All others: $20,000(excludes chronic and congenital conditions)
Coverage: $50,000 - $250,000 ?
Price range: $50 - $190
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  • It offers coverage for acute onset of pre-existing conditions up to 70 years.
  • Plan can be renewed up to 364 days.
Coverage: $50,000 - $130,000 ?
Price range: $40 - $80
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  • Foreign residents visiting USA and worldwide.
  • Plan can be renewed up to 2 years.
  • The plan provides Emergency Medical Evacuation of $100,000 for the Economy, Basic and Silver plan and covers up to policy maximum for the Gold and the Platinum plan.
  • Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
Coverage: $50,000 - $175,000 ?
Price range: $40 - $60
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Factors that determine the cost of US travel insurance plans:

Age of the traveler:

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of travel insurance:

Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.

Medical maximum coverage and deductible options:

The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage:

Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.

Duration of travel insurance:

The longer the duration of visitor medical insurance required, the higher will be the cost.

Different types of travel health insurance in USA

Fixed Benefit travel health insurance
A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits. Fixed benefit plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.
Comprehensive travel health insurance
Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive travel insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Steps to buy
US pre-existing condition travel health insurance online

 Step 1: Finding US travel insurance plans

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

Compare the price and the benefits of the different pre-existing condition health insurance for USA options to identify what fits your needs best.

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step travel insurance
AVI customer service

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Find out more about Pre-existing condition visitors insurance

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

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

There is no denying that travel insurance to USA is sadly very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

More visitors insurance for pre existing conditions FAQ's

Visitors Insurance Covering Pre-existing Conditions - Article

Insurance Coverage for older travelers with Pre-existing Conditions

Read more »

Pre-Existing conditions insurance for visitors - Review

Best of the Best Coverage for Pre-existing Medical Conditions

Read more »

Visitor insurance with pre-existing coverage

Get quote for visitor medical insurance with pre-existing coverage.

Read more »

Best pre-existing coverage plans

Popular pre-existing conditions for visitors to the USA plans which have coverage for pre-existing conditions.

Read more »

Compare visitor pre-existing plans

Compare pre-existing conditions insurance plans for US visitors and buy the best plan.

Read more »

General FAQ's

Co-Insurance: After paying the deductible, percentage or amount of covered expenses that the insured pays. For example, an insurance policy brochure may mention that the policy will pay 80% of the first $5,000 and 100% thereafter of the usual and customary charges; In some health insurance plans, it is also called "co-payment".

Deductible: Amount to be paid by the insured person before the insurance company begins to pay for the covered expenses. Deductible may be either per sickness/injury or once per policy period or once per year depending upon the insurance policy you purchase. You will not get receive any reimbursement later from insurance company for the deductible you pay. e.g., Let us consider that you have purchased an insurance policy with a $50,000 policy maximum, $250 deductible per policy period and 80/20 co-insurance. Suppose you incur a covered expense of $10,250; then the insurance company will pay the covered expenses according to policy terms after you make a a payment of the deductible (i.e. $250).

Availability of insurance coverage for surgeries
questionHello,

Are surgeries covered in this insurance?
Thanks
Clara

questionHi Clara,

Surgeries are covered if they need to be done as a consequence of a covered incident like an unexpected injury or sickness. If it is a cosmetic surgery or it is done as part of pre existing condition, then the insurance plan will not cover this.
Hope that helps!

Regards,
Customer care
www.americanvisitorinsurance.com
+1 (877) 340 7910

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