Travel Insurance for Acute onset of pre-existing conditions

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Pre-existing conditions – An overview

A pre-existing condition* is a medical condition that existed before the start of the travel insurance coverage. One of the biggest concerns for travelers is to buy travel insurance with coverage for pre-existing conditions. Travel insurance with Pre-existing conditions coverage is particularly important for older travelers. However, only some travel insurance plan offer coverage for pre-existing ailments and even there the coverage is either after a look back period and is mainly for acute onset of pre-existing ailments**. Some international travel insurance plans with coverage for pre-existing conditions pay for medical expenses after the first year of coverage or a waiting period.

**Acute onset of pre-existing condition: Acute onset of pre-existing conditions 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. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

*General definition of pre-existing condition: "A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

Best travel insurance for acute onset of pre-existing conditions prices

Age: 65 years; Duration: 1 Month; Deductible: $0
Best travel insurance with pre-existing condition coverage -
Plan name
Pre-existing coverage
Estimate Plan Cost+ with plan maximum coverage
  • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
  • This Patriot International Lite plan is available for both US and Non-US citizens traveling outside the US.
  • This plan can be renewed for up to 2 years.
  • This plan covers pre-Existing condition medical evacuation up to $25k maximum limit.
$50,000 - $100,000
$172 - $187
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  • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
  • Available for Non US citizens and US citizens living outside the US
  • Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage.
  • This plan is renewable for a period of 12 months up to the maximum of 36 continuous months.
$1,000,000
$302
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  • Covers Sudden & Unexpected Reoccurence of pre-existing condition up to $2,500.
  • This insurance is available for people above 65 years of age.
  • This plan is available for US citizens and US permanent residents and medical expenses outside US are the only eligible expenses.
  • People who are qualified for Medicare and are actively enrolled in Medicare parts A and B are eligible for this plan.
  • People who are enrolled in Medigap plan or Medical Advantage plan are eligible for this plan
$50,000 - $100,000
$227- $241
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  • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 80 years).
  • Covers up to $25,000 lifetime maximum (Emergency medical evacuation )
  • Available for Non US citizens and US citizens travelling outside the US
  • 79 years old turing 80 during the coverage period, Atlas International plan does not affect coverage as long plan is purchased at age 79.
$50,000 - $100,000
$167 - $184
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  • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 80 years).
  • Covers up to $25,000 lifetime maximum (Emergency medical evacuation )
  • This plan provides exceptional, quality coverage for travelers interested in the best travel medical insurance with high coverage limits.
  • 79 years old turing 80 during the coverage period, Atlas Premium plan does not affect coverage as long plan is purchased at age 79.
$50,000 - $100,000
$257 - $284
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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
  • Acute onset of pre-exisitng condition is available for up to $25,000 for the age group up to 64 years. For the age group 65 to 79 years, it is covered for $5,000.
  • Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
  • The maximum lifetime of the plan is 365 days and it can be renewed up to this time.
$50,000 - $100,000
$184 - $204
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  • The policy maximum is available up to $5,000,000 for people up to 79 years and reduces to $10,000 for people above 80 years.
  • Acute onset of pre-exisitng condition is available for up to $50,000 for the age group up to 64 years.For the age group 65 to 79 years, it is covered for $10,000.
  • Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
  • The maximum lifetime of the plan is 365 days and it can be renewed up to this time.
$50,000 - $100,000
$317 - $361
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  • For people who are traveling outside the U.S. and outside their home country.
  • Covers acute onset of pre-existing conditions (up to aged above 80 years).
  • The policy features a coverage period of 5-364 days
  • Emergency Medical Evacuation coverage is available for $500k.
$50,000 - $150,000
$175 - $215
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  • This plan is available for people traveling outside their home Country excluding USA.
  • Covers Unexpected recurrence of a pre-existing Condition up to $20,000; ($2,500 for age 65 and older)
  • Travelers 71-79 years can get coverage of $50,000 and $100,000 while 80+ travelers can get coverage of $20,000.
$50,000 - $1,000,000
$268 - $384
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Best travel insurance with pre-existing condition coverage -
Plan name
Pre-existing coverage
Estimate Plan Cost+ with plan maximum coverage
  • It offers coverage for acute onset of pre-existing conditions up to 70 years.
  • Plan can be renewed up to 364 days.
  • Covers up to $25,000 lifetime maximum for pre-existing condition emergency medical evacuation.
  • This plan is budget-friendly travel insurance.
$50,000 - $100,000
$71 - $92
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+Factors that determine the cost of international 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 US citizen travel insurance.

Type of travel health 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 US traveler medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of insurance coverage

Travel insurance depends on the coverage region. The cost for US citizen pre-existing condition health insurance for international travel is most expensive.

Duration of travel insurance required

The longer the duration of US traveler health insurance for acute onset of pre-existing conditions required, the higher will be the cost.

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Precautions for travelers with pre-existing conditions, Travel insurance with pre existing conditions

Travelers with pre-existing conditions should be very careful while in a foreign country to avoid any medical emergencies. Travelers with medical ailments should always purchase a plan with coverage for acute onset of pre-existing medical conditions, otherwise even an emergency due to a pre-existing condition may not be covered by their travel insurance plan.

Some plans with coverage for acute onset of pre-existing conditions** are available for all ages. You can compare International travel insurance with Pre existing conditions coverage and select the one that best suits the travelers specific situation.