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.
For Mexican travelers heading to the USA, many travel insurance providers offer coverage for pre-existing conditions, but the specifics vary depending on the policy. Typically, insurers will provide coverage for medical emergencies related to pre-existing conditions if the traveler meets certain criteria, such as purchasing the insurance within a specific time frame after booking the trip (often 14-21 days). Some policies include a "Pre-Existing Condition Waiver," which waives exclusions for these conditions, provided they have been stable for a certain period (usually 6-12 months) before the trip. However, it's important to carefully review each policy, as coverage limits, exclusions, and the stability requirements for pre-existing conditions may differ. By selecting the right plan, Mexican travelers can ensure they are protected against unexpected medical issues during their trip to the USA.
At American visitor insurance , we specialize in offering flexible, reliable coverage for travelers from Mexico to the USA, with tailored options for pre-existing conditions, emergency medical coverage, trip interruptions, and much more. With our easy-to-understand policies and excellent customer support, we’re here to make your travels safer and stress-free.Explore our plans today and travel with confidence, knowing you’re covered by one of the leading travel insurance providers.
When selecting visitor insurance for mexicans 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 |
| Diplomat America Global Underwriters | $50K - $1M | $0 - $5K | No PPO | $155 - $266 |
| Patriot Platinum America IMG | $2M - $8M | $0 - $25K | United HealthCare | $214 - $360 |
| 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 |
# The average cost of travel insurance plans for USA is based on quotes for a 40-year-old with a duration of one month.
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.