Yes, many travel insurance providers offer coverage for pre-existing conditions, though terms differ. Some plans may have a "look-back period," reviewing recent medical history, typically 60-180 days.
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.
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.
Given the high cost of US healthcare, having pre-existing condition travel insurance coverage can offer Chinese travelers peace of mind and financial protection during their stay. Many travelers, especially seniors, may have ongoing health concerns like heart disease, diabetes, or hypertension.
Plans that include pre-existing condition coverage ensures that these chronic conditions are covered in case of an acute emergency during the trip and also provides a wide range of benefits, including hospitalization, emergency care, and outpatient services. This ensures that travelers have access to necessary medical care without incurring high out-of-pocket costs. On American Visitor Insurance you can use our compare tool to find the best travel insurance plans for their needs. Chinese travelers can buy the cheapest travel insurance that covers pre-existing conditions for their USA visit.
When selecting visitor insurance for Chinese with pre-existing conditions traveling to the USA, consider the following key factors:
A 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.
Insurance Plans | Plan Maximum | Deductible | Provider Network | Cost # |
---|---|---|---|---|
Patriot America Plus IMG | $50K - $1M | $0 - $2K | United HealthCare | $96 - $177 |
Safe Travels USA Comprehensive Trawick International | $50K - $1M | $0 - $5K | First Health Network | $96 - $176 |
Atlas America WorldTrips | $50K - $2M | $0 - $5K | United HealthCare | $116 - $235 |
Diplomat America Global Underwriters | $50K - $1M | $0 - $5K | No PPO | $155 - $266 |
Patriot Platinum America IMG | $2M - $8M | $0 - $25K | United HealthCare | $214 - $360 |
Atlas Premium America WorldTrips | $50 - $2M | $0 - $5K | United HealthCare | $138 - $270 |
Safe Travels USA Cost Saver Trawick International | $50 - $1M | $0 - $5K | First Health Network | $92 - $154 |
Visit USA Standard Travel | $75K - $150K | $0- $1K | United HealthCare | $93 - $115 |
# The average cost of travel insurance plans for USA is based on quotes for a 40-year-old with a duration of one month.
A fixed benefit travel insurance plan is the cheapest travel insurance because it has a fixed limit of coverage for different medical benefits.
Insurance Plans | Plan Maximum | Deductible | Provider Network | Cost # |
---|---|---|---|---|
Safe Travels Advantage Trawick International | $25,000 | $0 | First Healthcare | $20 |
Safe Travels Elite Trawick International | $25K - $175K | $0 | First Health Network | $24 - $68 |
Visitors Care IMG | $25K - $100K | $0 - $100 | United HealthCare | $25 - $54 |
VisitorSecure WorldTrips | $50K - $130K | $0 - $100 | United HealthCare | $44 - $80 |
# The average cost of travel insurance plans for USA is based on quotes for a 40-year-old with a duration of one month.
The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.
The price of USA medical insurance for visitors is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Health insurance for USA visitors depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.
The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.
Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.
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.
Fixed plans tend to have shorter look back periods of only 6 to three months. Comprehensive plans have longer ones, usually 3 years. Of course, if a person is diagnosed with a chronic illness, they always have it (unfortunately) and it would always be considered a pre-existing condition. However, if someone had a surgery, for a broken bone, more than 3 years ago, no policy would consider this a pre-existing condition.
Example:
Different companies define it a little differently, but here is one version from HCC which is representative:
A Pre-existing Condition is any.
No, there are no medical tests required for purchasing visitor insurance.
Any pre-existing medical condition is something that the traveler has before or when he/she buys the travel insurance plan. The pre-existing condition can be an illness or any injury. Some other examples of pre-existing conditions are cancer, diabetes or asthma/respiratory issues.
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.
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