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Best travel insurance for pre existing conditions USA from India

Compare and buy best visitors insurance for pre-existing conditions coverage

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Is Travel Insurance Available for Pre-Existing Conditions from India to the USA?

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.

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.

Can I exclude a medical condition from travel insurance?

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.

Pre existing condition coverage for Indian travelers to USA

Given the high cost of US healthcare, having pre-existing condition travel insurance coverage can offer Indian 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. Indian travelers can buy the cheapest travel insurance that covers pre-existing conditions for their USA visit.

Pre existing condition coverage for Indian travelers to USA

How to choose the best visitors insurance for Indian with pre existing conditions coverage?

When selecting visitor insurance for Indian with pre-existing conditions traveling to the USA, consider the following key factors:

  • Coverage for Pre-existing Conditions: Look for plans that specifically cover acute onset of pre-existing conditions.
    Some recommended options include:
  • Atlas America: Offers coverage for acute onset of non-chronic pre-existing conditions.
  • Safe Travels USA Comprehensive: Provides coverage for one episode of acute onset of pre-existing conditions.
  • Patriot America plus: Covers acute onset of non-chronic pre-existing conditions for individuals under 65.
  • Policy Maximum: Choose a plan with high coverage limits, ideally between $50,000 and $1 million, to ensure adequate protection against potential medical expenses.
  • Deductible Options: Evaluate the deductible amounts available. A lower deductible may increase premiums but will reduce out-of-pocket costs when seeking care.
  • Duration of Coverage: Ensure the insurance covers the entire duration of their stay in the U.S., typically ranging from 5 days to 364 days or more.
  • Emergency Assistance Services: Opt for plans that offer 24/7 emergency assistance, which can be invaluable in navigating medical emergencies while in a foreign country.
  • Network of Providers: Check if the plan has a network of preferred providers (PPO) in the U.S., which can simplify billing and reduce upfront costs during medical visits.

Cost of best US travel insurance for pre-existing conditions

The visitor health insurance usa cost ranges from $16 to $150 a month. The price varies based on several factors such as the age of the visitor, medical maximum coverage, deductible for the plan, coverage type (Fixed vs comprehensive coverage), and the coverage for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day.

What is the best travel insurance for USA visitors 2024?

Average cost of medical insurance for travelers to USA
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy. Do review the product brochures for detailed plan benefits.

Factors to buy best travel medical insurance USA

  • Age of the traveler: 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.
  • Type of US travel health insurance: Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.
  • Medical maximum coverage: The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
  • Region of coverage: 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.
  • Duration of travel insurance: 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.
  • Any add on benefits: 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.

Best travel insurance for pre existing conditions USA from India - FAQ's

1. What is a Pre-Existing Condition?

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.

  • Condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding the Certificate Effective Date;
  • Condition that had manifested itself in such a manner that would have caused an ordinarily prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the Certificate Effective Date;
  • injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the Certificate Effective Date.

2. Are there any medical tests required to buy pre existing visitor insurance?

No, there are no medical tests required for purchasing visitor insurance.

3. What is considered as a pre-existing medical condition for travel 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.

4. What happens if you don't disclose pre-existing condition travel insurance?

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.

What are the best Indian travel insurance with pre existing conditions coverage?

Patriot America Plus insurance

  • Coverage: Covers Acute on set of pre-existing conditions up to policy maximum for ages up to 70 years.
  • Benefits: Includes hospitalization and emergency services related to acute onset of pre-existing conditions.

Atlas America insurance

  • Coverage: Provides coverage for acute onset of pre-existing conditions up to the policy maximum (typically $50,000 or $100,000) for travelers aged 70 to 79.
  • Benefits: Includes hospitalization and emergency services related to acute onset of pre-existing conditions.

Safe Travels Advantage insurance

  • Coverage: offers coverage Acute on set of pre-existing conditions up to 89 years and includes cardiac conditions.
  • Benefits: Affordable travel insurance for USA and covers urgent care and emergency medical services

Safe Travels USA Comprehensive insurance

  • Coverage: Covers acute onset of pre-existing conditions up to policy maximum for ages up to 70 years
  • Benefits: Designed for travelers aged up to 70 with limited coverage for cardiac conditions.

Visitors Protect insurance

  • Coverage: covers pre-existing conditions up to 99 years.
  • Benefits: Ideal for older travelers who need assurance regarding their existing health issues.
  • Minimum enrollment should be 90 days.

INF Elite Plan insurance

  • Coverage: Offers comprehensive coverage for pre-existing conditions, including inpatient, outpatient, urgent care, and specialist visits up to 99 years.
  • Benefits: Covers a wide range of pre-existing conditions such as diabetes, high blood pressure, and heart-related issues.
  • Minimum enrollment should be 90 days.

List of best visitors insurance companies in USA

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

List of best visitors insurance companies in USA

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