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Health insurance for visitors to the USA with pre-existing conditions

Looking for the best visitor health insurance for the USA? Compare benefits of top-rated plans and buy the best plan!

This guide from American Visitor Insurance helps you compare top travel medical insurance plans that offer coverage for pre-existing conditions, ensuring safe and worry-free travel to the United States. Health insurance is essential for international visitors, especially seniors or travelers with chronic health issues. This page offers expert guidance, trusted plans, and affordable options tailored to your specific medical needs while visiting the USA.

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Which is the best insurance for visitors in USA?

Available plans

trawick international logoSafe Travels Advantage Insurance Fixed benefit

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star Rating: A (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Cheap visitor health insurance for visitors to USA, up to 89 years old
  • Coinsurance: Pays 80% until $5,000 coinsurance is met, then pays full amount
  • Direct Billing: First healthcare network First health care Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 89 years
  • Emergency medical evacuation: Unlimited
  • Urgent Care : Up to $130 visit(1 visit/day;30 visits max)
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $25,000 per policy period
  • Policy maximum?
    $25,000, $50,000, $100,000 $150,000

  • Deductible options?
    $0

  • Period of coverage?
    5 days to 364 days

IMG logoVisitors Care Insurance Fixed benefit

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star Rating: A(Excellent) edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Travel medical insurance for international travelers visiting the US, up to 99 years old.
  • Coinsurance: After deductible, pays a fixed sum
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Covers under the age of 70 years
  • Emergency medical evacuation: Up to $50,000
  • Urgent Care : $85 max per visit/10 max visits
  • Renewable: For a maximum of 2 years.
  • Repatriation of Remains: Up to $25,000 per policy period
  • Policy maximum?
    $25,000, $50,000, $100,000

  • Deductible options?
    $0, $50, $100

  • Period of coverage?
    5 days to 2 years

trawick-international logo Safe Travels Elite Insurance Fixed benefit

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star Rating: A(Excellent) edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Short term visitor health insurance for non-US citizens visiting the US.
  • Coinsurance: After deductible, pays a fixed sum
  • Direct Billing: First healthcare network First health care Provider Network
  • Acute onset of pre-existing condition: Covered up to policy maximum up to the age of 69
  • Emergency medical evacuation: Unlimited
  • Urgent Care : $75/visit (1 visit/day;30 visits max)
  • Renewable: Can be renewed up to 364 days
  • Repatriation of Remains: Up to $25,000 per policy period
  • Policy maximum?
    $25,000, $50,000, $75,000, $100,000, $175,000

  • Deductible options?
    $0

  • Period of coverage?
    5 days to 364 days

worldtrips logo VisitorSecure Insurance Fixed benefit

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star Rating: AA- from Standard & Poor's and Fitch Ratings, and A++ (Superior) from A.M. Best edit_square Underwriter: Lloyd’s Syndicate 4141
  • Cheapest visitor health insurance for USA, up to 99 years old
  • Coinsurance: After deductible, pays a fixed sum
  • Direct Billing: First healthcare network First health care Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $50,000
  • Urgent Care : $130 allowable per visit, 10 visits max
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $25,000
  • Policy maximum?
    $50,000, $75,000, $100,000, $130,000

  • Deductible options?
    $0, $50, $100

  • Period of coverage?
    5 days to 364 days

travel insurer logo Visit USA Budget Insurance Fixed benefit

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star Rating: "A" (Excellent) edit_square Underwriter: Lloyd's of London Company
  • Affordable visit USA health insurance, up to 99 years old
  • Coinsurance: After deductible, pays a fixed sum
  • Direct Billing: No PPO, visit any doctor or hospital.
  • Acute onset of pre-existing condition: Coverage is $2,500 for individuals aged 65 and above and $20,000 for all others.
  • Emergency medical evacuation: $100,000 lifetime maximum
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $25,000
  • Policy maximum?
    $50,000, $150,000

  • Deductible options?
    $0, $50, $100, or $250 per incident

  • Period of coverage?
    5 days to 364 days

geoblue logo Travel Medical USA Visitor Basic Insurance Fixed benefit

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star Rating: "A" (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Cheap visitor insurance for Non US residents visiting the US, up to 99 years old
  • Coinsurance: After deductible, pays a fixed sum
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Covers under the age of 79 years
  • Urgent Care : $100 per visit; 1 per day; 30 visits maximum
  • Emergency medical evacuation: Up to $100,000
  • Renewable: Can be renewed and extended up to 36 months
  • Repatriation of Remains: Up to $25,000
  • Policy maximum?
    $50,000, $100,000, $150,000

  • Deductible options?
    $0, $50, $1000, $200

  • Period of coverage?
    5 days to 364 days

geoblue logoINF Premier X Insurance Fixed benefit

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star Rating: "A" (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Travel health insurance for visitors to USA with pre-existing conditions, up to 99 years old
  • Coinsurance: After deductible, pays 100% of the usual and customary charges
  • Direct Billing: United HealthCare United Healthcare Provider Network
  • Full Pre-Existing Conditions: Covers up to 99 years
  • Maternity:Covers emergency medical treatment for pregnancy
  • Emergency medical evacuation: Up to $85,000
  • Urgent Care : $25 copay 90 days after the date of Covered Accident
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $30,000
  • Policy maximum?
    $100,000, $150,0000, $300,000, $500,000, $1,000,000

  • Deductible options?
    $75, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    90 days to 364 days

IMG logo Visitors Preferred Insurance Comprehensive benefit

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star Rating: “A-” by A.M. Best edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Travel medical insurance for non-US citizens visiting the US, up to 99 years
  • Coinsurance: In-network: After deductible, plan pays 100%
    Out-of-network: After deductible, plan pays 80% up to maximum limit
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Urgent Care : $15 per incident; no copayment if deductible is $0.
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Repatriation of Remains: Up to the period of coverage limit
  • Policy maximum?
    $50,000, $100,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000 $2,500

  • Period of coverage?
    5 days to 12 months

geoblue logo Venbrook Premier Insurance Comprehensive benefit

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star Rating: A (Excellent) by AM Best Company 2024 edit_square Underwriter: Crum & Forster SPC
  • Visitor medical insurance for non-US citizens traveling to the US, up to 99 years old
  • Coinsurance: After deductible, plan covers 100% up to the maximum
  • Direct Billing: No PPO, visit any doctor or hospital
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Urgent Care : $30 copay if the $0 deductible is chosen
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $50,000 per policy period
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000 $2,500, $5,000

  • Period of coverage?
    5 days to 12 months

worldtrips logo Atlas America Insurance Comprehensive benefit

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star Rating: Rating: A++ (Superior) edit_square Underwriter: Lloyds, London
  • Medical insurance for non-US citizens traveling to the US, up to 99 years old
  • Coinsurance: After deductible, plan pays 100% up to policy maximum
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years
  • Emergency medical evacuation: Up to $1,000,000
  • Maternity: Covers complications of pregnancy in the first 26 weeks
  • Urgent Care : 15 per incident; no copayment if deductible is $0
  • Border entry Protection: Up to $500 if denied entry to the U.S. on a valid B-2 visa.
  • Adventure Sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Equal to the elected overall maximum limit
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    364 days

worldtrips logo Visit USA HealthCare Superior Insurance Comprehensive benefit

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star Rating: "A" (Excellent) edit_square Underwriter: Lloyd's of London
  • Visitor insurance for Non US citizens traveling to the US, up to 99 years old
  • Coinsurance: In-network: After deductible, plan pays 100%
    Out-of-network: Usual, reasonable and customary charges
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network or First HealthCare First health care Provider Network
  • Acute onset of pre-existing condition: Covers up to $25,000, with a limit of $2,500 for those aged 65 and above
  • Emergency medical evacuation: Up to $500,000
  • Urgent Care : $50 co-payment (waived for members with $0 deductible)
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to overall maximum limit
  • Policy maximum?
    $100,000, $250,000

  • Deductible options?
    $0, $50, $100, $250

  • Period of coverage?
    364 days

trawick-international logo Safe Travels USA Comprehensive Insurance Comprehensive benefit

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star Rating: "A" (Excellent) edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Available for non U.S. citizens / residents visiting the USA, up to 89 years old
  • Coinsurance: After deductible, plan pays 100% up to the policy maximum
  • Direct Billing: First HealthCare First health care Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
  • Emergency medical evacuation: 100% up to $1,000,000
  • Maternity: Emergency medical treatment for pregnancy, up to $1,000
  • Urgent Care : $30 per incident; no copayment if deductible is $0
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to $50,000
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    5 days to 364 days

IMG logo Patriot America Plus Insurance Comprehensive benefit

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star Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Best travel medical insurance for non-US citizens visiting the US, up to 99 years old
  • Coinsurance: In-network: After deductible, plan pays 100%
    Out-of-network: After deductible, pays 90% of eligible expenses up to $500, then 100%
  • Direct Billing: First HealthCare First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Urgent Care : $30 per incident; no copayment if deductible is $0
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Repatriation of Remains:Up to maximum limit
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500

  • Period of coverage?
    5 days to 12 months

seven-corners-logoTravel Medical Choice Insurance Comprehensive benefit

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star Rating: Rating: “A (Excellent)” edit_square Underwriter: Crum & Forster SPC
  • Medical coverage for international travelers visiting United States, up to 99 years
  • Coinsurance: In-network: After deductible, plan pays 100%
    Out-of-network: After deductible, pays 90% of the first $10,000 in expenses, then 100%
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years
  • Emergency medical evacuation: Up to $500,000
  • Urgent Care : URC to medical maximum; $20 copay
  • Optional add-on benefit
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to $50,000
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500

  • Period of coverage?
    5 days to 12 months

globalunderwriters logoDiplomat America Insurance Comprehensive benefit

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star Rating: AM Best Rating: "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC
  • Coverage for non-US residents traveling to the USA, up to 99 years old
  • Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
  • Direct Billing: No PPO, visit any doctor or hospital
  • Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
  • Emergency medical evacuation: Up to $250,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to $50,000
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000 $1,000,000

  • Deductible options?
    $0, $50, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    15 days to 365 days

worldtrips logo Atlas America Premier Insurance Comprehensive benefit

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star Rating: Rating: A++ (Superior) Standard & Poor’s Rating AA- edit_square Underwriter: Lloyds, London
  • Perfect for travelers up to 99 seeking superior medical coverage with high limits in the USA.
  • Coinsurance: After deductible, plan pays 100% up to policy maximum
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years
  • Emergency medical evacuation: Up to $1,000,000 lifetime maximum
  • Maternity: Covers complications of pregnancy in the first 26 weeks
  • Urgent Care : 15 per incident; no copayment if deductible is $0
  • Border entry Protection: Up to $500 if denied entry to the U.S. on a valid B-2 visa
  • Adventure Sports: Covers eligible sports injuries and illness during vacation at no extra cost.
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Equal to the elected overall maximum limit
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    364 days

IMG logo Patriot America Platinum Insurance Comprehensive benefit

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star Rating: AM Best Rating "A" (Excellent) edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Ideal for travelers up to 99 seeking first-class medical coverage in the USA.
  • Coinsurance: In-network: After deductible, 100% coverage
    Out-of-network: After deductible, plan pays 100% upto policy maximum
  • Direct Billing: First healthcare network First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to maximum limit
  • Urgent Care : 30 per incident; no copayment if deductible is $0
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 36 months
  • Repatriation of Remains:Up to overall maximum limit
  • Policy maximum?
    $1,000,000, $2,000,000, $5,000,000, $8,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000

  • Period of coverage?
    15 days to 365 days

IMG logo Visitors Protect Insurance Comprehensive benefit

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star Rating: A- edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Best pre-existing conditions travel insurance for U.S., Canada, and Mexico, up to 99 years
  • Coinsurance: In-network: After deductible, pays 75%
    Out-of-network: After deductible, pays 60% up to $5,000, then 100% to the max limit.
  • Direct Billing: First healthcare network First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • Full Pre-existing conditions: Covers up to 99 years, $25,000 under 70, $20,000 for 70+
  • Emergency medical evacuation: Up to $25,000
  • Urgent Care : 15 per incident; no copayment if deductible is $0
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to overall maximum limit
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000 $1,000,000

  • Deductible options?
    $0, $50, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    15 days to 365 days

inf logo INF Elite X Insurance Comprehensive benefit

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star Rating: AM Best Rating "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC
  • Best health insurance for visitors to USA with pre-existing conditions, up to 99 years old
  • Coinsurance: In-network: After deductible, pays 80%
    Out-of-network: After deductible, pays 60% of usual, reasonable & customary charges
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Full Pre-Existing Conditions: Covers up to 99 yearsCovers up to 99 years
  • Emergency medical evacuation: Up to $25,000
  • Maternity: Covers emergency medical treatment of pregnancy
  • Urgent Care : Covered with $50 copay
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to $20,000
  • Policy maximum?
    $150,0000, $300,000

  • Deductible options?
    $500, $1,000, $2,500, $5000

  • Period of coverage?
    90 days to 364 days

globalunderwriters logoDiplomat Long Term insurance Comprehensive benefit

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star Rating: AM Best Rating: "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC
  • Coverage for non-US residents traveling to the USA, up to 99 years old
  • Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
  • Direct Billing: No PPO, visit any doctor or hospital
  • Sudden Recurrence of a Pre-existing Conditions: Up to $20,000 ($2,500 for 65+)
  • Emergency medical evacuation: Up to $250,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 36 months
  • Repatriation of Remains:Up to $250,000
  • Policy maximum?
    $500,000, $1,000,000

  • Deductible options?
    $0, $50, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    90 days to 364 days

Why Is Pre-Existing Condition Coverage Important?

Pre-existing condition coverage is vital for travelers with chronic health issues like diabetes, heart disease, or hypertension, as these conditions can require expensive medical treatment while visiting the USA. Without this coverage, travelers risk paying high out-of-pocket costs for medical emergencies or ongoing care, which can be financially overwhelming. U.S. healthcare is among the most expensive in the world, and most standard travel insurance policies exclude pre-existing conditions.

Choosing travel health insurance that includes pre-existing condition coverage ensures you’re protected against unexpected health problems. It provides financial security, access to quality healthcare, and peace of mind, knowing that your condition will be treated appropriately if necessary. This is especially important for senior travelers or those with chronic conditions, as they are more likely to need medical attention during their trip. With the right insurance plan, you can travel confidently, knowing that your health needs are fully covered.

pre-existing conditions travel insurance

How to choose best visitor insurance with pre-existing conditions?

When choosing visitor insurance with preexisting conditions, consider the following:

  • Some plans offer limited coverage for pre-existing or for the acute onset of pre-existing conditions.
  • Check for the age restrictions, as coverage options and limits reduce for older travelers.
  • Review the insurance plans which offer coverage for specific conditions diabetes, heart disease or other chronic illness.
  • Look for the best travel insurance for pre-existing conditions with high medical coverage and a low deductible.
  • Not all insurance plans offer the same benefits, compare medical maximum limits, exclusions, deductibles and premiums carefully.
  • Ensure the policy includes emergency medical evacuation coverage in case of severe health emergencies.

How much does visitor insurance with pre existing conditions cost?

Cheapest Visitor Insurance for Pre-Existing Conditions in the USA

Need travel insurance with pre-existing condition coverage? Explore cheap plans from providers like IMG and trawick international for comprehensive care during your USA visit.

Plan Name Medical Maximum Deductible Acute onset coverage Cost
Safe Travels Advantage $25,000 $0 Up to 89 yearsopen_in_new $39
Visitors care $25,000 $100 Up to 70 yearsopen_in_new $40
Safe Travels Elite $25,000 $0 Up to 89 yearsopen_in_new $50
Visit USA Budget $50,000 $250 Up to 65 years and aboveopen_in_new $49

Best travel insurance for pre-existing conditions USA

Looking for the cheapest visitor insurance with pre-existing condition coverage in the USA? American Visitor Insurance offers affordable plans that cover acute onset of pre-existing conditions, ideal for parents and elderly travelers. Compare top-rated plans and buy online in minutes for safe, budget-friendly travel.

Plan Name Medical Maximum Deductible Acute onset coverage Cost
Safe Travels USA Cost Saver $50,000 $250 Up to 69 yearsopen_in_new $139
Visitors Preferred $50,000 $250 Up to 70 yearsopen_in_new $148
Atlas America $50,000 $250 Up to 79 yearsopen_in_new $151
Patriot America Plus $50,000 $250 Up to 70 yearsopen_in_new $164
Travel Medical Basic $50,000 $250 Up to 79 yearsopen_in_new $168
Safe Travels USA Comprehensive $50,000 $250 Up to 89 yearsopen_in_new $172
Venbrook Premier $50,000 $250 Up to 70 yearsopen_in_new $176
Diplomat America $50,000 $250 Up to 70 yearsopen_in_new $229

Source: American Visitor Insurance®

Can I be denied health insurance because of a pre-existing condition?

Some of the US visitor health insurance plans are designed to cover unexpected and new medical issues that occurs during your trip and do not include coverage for chronic illness or existing medical conditions. If the medical condition existed prior the start date of the policy, even if not diagnosed it may still be considered as a pre-existing condition and excluded from the coverage. However, some plans offer coverage for acute onset of pre-existing condition which would apply in the case of sudden worsening without warning. If the symptoms existed before the policy start date, the claim would be denied.

How much does visitor insurance with pre-existing conditions cost ?

The best visitor insurance with pre-existing conditions will impact the cost of coverage, leading to higher premiums with limited coverage for pre-existing conditions.

  • Age of the traveler: Unfortunately seniors with existing ailments have to pay higher premiums while having limited pre-existing condition travel insurance benefits, as insurers consider them as higher risk
  • Type of visitor health insurance: Fixed benefit plans offer limited coverage for pre-existing conditions, while the comprehensive plans offer broader coverage for acute onset or pre-existing conditions.
  • Destination: The US has very expensive healthcare costs, so insurance plans for travel to the US are more expensive than those covering other countries
  • Definition of acute onset: The definition of an acute onset of pre existing condition can vary depending on the insurance company and policy. For example, it might not be covered if the condition was anticipated or the insured had pre-existing symptoms, though undiagnosed.
  • Medical maximum coverage and deductible options: Plans with higher coverage limits (e.g., $50,000, $100,000, or $1,000,000) will cost more. while higher deductibles lower it — but with more out-of-pocket costs before the actual coverage starts.
  • Higher premiums: Visitor insurance with pre-existing conditions coverage is more expensive. Tourists with pre-existing medical conditions have to pay higher premiums for pre-ex coverage. For example, a comprehensive visitor medical insurance plans with pre-existing condition coverage for a 40 year old visitor can cost around $68 to $76 per month for $50,000 coverage with a $250 deductible.
  • Look-back period: Some insurers have a look back period usually ranges between 60 to 180 days. If a medical condition is treated or the symptoms is identified in that time frame then it is considered as a pre-existing medical condition. This has an impact on how insurance claims are processed.
  • Exclusions and waiting periods: Preventive care such as routine check-ups, planned surgeries, and ongoing treatments for pre-existing conditions are not covered. Others will have a waiting period before covering any costs arising from those conditions.

Comparison: Acute onset of pre-existing conditions vs pre existing conditions

Feature Pre-existing conditions Acute onset of pre-existing conditions
Definition It refers to a medical condition that existed before the enrolling in to the visitor insurance plan. A sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of the first symptoms.
Benefits It covers follow up visits, hospitalizations and doctor’s visits, etc.. and other associated medical care for pre-existing conditions. It will only cover the in-patient hospitalization expense and does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage.
Cost It usually comes with higher deductibles and premiums. Some plans offers coverage for acute onset of pre-existing conditions with no extra cost or as an optional add-on benefit.
Examples & limitations Regular check-ups, scheduled treatments, or ongoing medications are not covered and it often available as a waiver or after a waiting period. A food allergy or bee sting reaction with no prior warning requiring emergency care is covered. Gradual worsening conditions or ongoing treatments are not considered acute onset.

What are the factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are the factors to consider while purchasing travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

What pre-existing condition insurance USA are not covered under visitor health insurance?

Even if travel health insurance that covers preexisting conditions is available, there are important exclusions. These plans do not cover:

  • Regular maintenance of an existing condition (eg: daily insulin for diabetes, blood pressure checks, or dialysis)
  • Unexpected or planned care for the existing condition such as scheduled follow ups, procedure or surgery
  • Regular medication refill costs for chronic illnesses
  • Preventive care or wellness checkups for the condition
  • Pregnancy and childbirth if the traveler was already pregnant before start date of the policy
  • Chronic condition flare-ups that are not sudden or unexpected (e.g., an increase in blood sugar for a diabetic over time)
  • Medical costs after the initial 24 to 48 hours of the acute event, depending on the plan
  • Conditions diagnosed prior to the look-back period but not disclosed, if the insurer is required to be disclosed
  • Medical conditions in travelers over the age limit set by the plan (eg: Most of the plans offer coverage for acute onset under the age of 70 years)
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Which are the best travel 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, INF insurance, HTH Worldwide and Venbrook International.

Which are the best visitors insurance companies in USA?

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HTH Worldwide
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Expertise in offering travel insurance
20+ years!
US health insurance
Customers from
All U.S. states!
globe
Customers from over
180 countries!