Best of the Best Coverage for Pre-existing Medical Conditions

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1. Coverage Limit (Maximum eligible medical expenses that the plan will cover)

2. Deductible

Deductible is the amount you must pay every year(either per person or per family) before your plan starts to pay its share of benefits. A 500$ deductible means you will have to pay first $500 for treatment and then the insurance company takes care of the rest of the payments. A 0$ deductible means you do not pay anything.
Higher Deductible -> Lower Premium.
Lower Deductible -> Higher Premium.

By: Christina Longbrake

Rating of Policies which Cover Pre-existing Medical Conditions

There has been an exciting new addition to plans that cover pre-existing medical conditions! To be clear, no plan technically covers pre-existing medical conditions, at least the first year or without a waiting period. To get the best, most comprehensive coverage, you would have to purchase a global plan, and it is not a major medical plan until the second year of a global policy. Check out these insurance plans for more information. The plans i wanted to outline for you today are for short term travelers (a year or less) who, nonetheless, want to make sure they are covered for what is called "acute onset" of a pre-existing condition. Remember that although we are “American Visitor Insurance” we do also cover American citizens and residents when they travel abroad.

What does "acute onset" mean?

What “acute onset" means is, that, even if someone has a pre-existing medical condition, if they were to have a sudden, unexpected emergency due to the condition, it could be covered by their short term insurance. Not all policies have that coverage, so it is important to make sure the policy you are looking at has that coverage if you want or need it. To be defined as "acute" means that the condition is sever enough to life or lifestyle that it must be taken care of right away and you or your visitor cannot wait until returning home. Some companies define it by saying you must receive treatment within 24 hours of initial symptoms.

Do be careful that you do not need to already be diagnosed with an illness for it to be considered pre-existing. Many clients ask me all the time, "But how will they know?" Well, the insurance company will rely on the information obtained by the physicians and lab reports that are done on the insured person. If a person is already taking medication for some condition, this is enough to consider they already have some medical issue (otherwise, they would not need the medication). Some clients say something like, "Well, my parents have the usual conditions for someone their age." However, not everyone has a heart condition or is diabetic, so this is really not a medically accurate statement.

While most older people take some kind of medication, not all do. Also remember that it must be a condition that could give a sudden and unexpected emergency. So, for example, if your only complaint is arthritis, I’m no doctor, but I don’t think that can lead to an emergency situation. If your condition is diabetes or asthma, then this can put you in the hospital unexpectedly with a life-threatening situation.

The other point is that these policies do not cover necessary treatments or medications that someone with a pre-existing condition may require. Someone on dialysis, for example, will have to find a clinic and pay for their dialysis out of pocket. Don’t forget your own consumer power to find a place and ask them how much they will charge you. Make it clear you will not have insurance for your visitor and, quite often, they will reduce the price for you (just like they do medicare or other insurance companies; why not?).

The coverage of "acute onset" of pre-existing conditions is one of the main differences in the policies that we offer. I have listed them here in the order of best of the best, good, fair, to modest coverage. Their ranking within categories also takes into account other aspects of the plan, but is of my own determination (and opinion). Some plans may turn up in multiple categories depending on the age group or citizenship they are covering. Do note that all policies have coverage for Repatriation of Remains, Emergency Medical Evacuation and most have an AD&D benefit as well regardless of their category all of which can be valuable for family members of older travelers (you will see pre-existing condition get less and less comprehensive with age).

Best coverage

Patriot Platinum (comprehensive plan) offers maximums of $1 million, $5 million, and $8 million; deductibles of $0, $100, $250, $500, $1000, $2500, $5000, $10000, and $25000; and pre-existing coverage up to maximum of the plan (for US citizens with primary insurance under age 65).
Atlas America Premium (comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 $1 million and $2 million; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to maximum of the plan.
Patriot America Plus (comprehensive plan) offers maximums of $10,000 $50,000 $100,000 and $500,000; deductibles of $0, $100, $250, $500, $1000 and $2500; and pre-existing coverage up to maximum of the plan.
Atlas America (comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 $1 million and $2 million; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to maximum of the plan.
Liaison Elite(comprehensive plan) offers maximums of $50,000 $100,000 $500,000 $1 million $2 million and $5 million; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to the medical maximum (US citizens with primary insurance). Note that the benefit is only for ages 64 and younger.
Safe Travels USA Comprehensive (comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 or $1 million; deductibles of $0, $50, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to maximum of the plan and up to $25,000 for cardiac disease.

Good coverage

Patriot Platinum (comprehensive plan) offers maximums of $1 million, $5 million, and $8 million; deductibles of $0, $100, $250, $500, $1000, $2500, $5000, $10000, and $25000; and pre-existing coverage up to $20,000 (for US citizens without primary insurance under age 65) or $50,000 for non-US citizens.
Liaison Elite (comprehensive plan) offers maximums of $50,000 $100,000 $500,000 $1 million $2 million and $5 million; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to $50,000 (non US or US citizens without primary coverage).
Liaison Choice (comprehensive plan) offers maximums of $50,000 $100,000 $500,000 $1 million $2 million and $5 million; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to $30,000 (non US) or $50,000 (US citizens).
Liaison Economy (comprehensive plan) offers maximums of $50,000 $100,000 $500,000 $1 million $2 million and $5 million; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to $15,000 (non US) or $25,000 (US citizens).

Fair coverage

Visit USA (comprehensive plan) offers maximums of $50,000 or $100,000; deductibles of $0, $250, $500 and $1000; and pre-existing coverage up to $10,000 (only if under 65 yrs).
Safe Travels for visitors to USA (fixed benefit plan) offers maximums of $25,000 $50,000 $75,000 $100,000 and $175.000; deductibles of $0, $50, or $100; and pre-existing coverage up to the maximum of the plan (cardiac limit is $25,000).
(Plans below are not available in NY or WA; Canada or Australia)
Inbound Guest (fixed benefit plan) offers maximums of $25,000 $45,000 $65,000 $85,000 and $120,000; deductibles of $0, $50, or $100; and pre-existing coverage up to the maximum of the plan.
Visitor Secure (fixed benefit plan) offers maximums of $50,000 $75,000 $100,000 and $130,000; deductibles of $0, $50, or $100; and pre-existing coverage up to the maximum of the plan.
Inbound USA (fixed benefit plan) offers maximums of $50,000 $75,000 $100,000 and $130,000; deductibles of $0, $50, or $100; and pre-existing coverage up to the maximum of the plan.
Inbound Choice(fixed benefit plan) offers maximums of $50,000 $75,000 $100,000 and $130,000; deductibles of $0, $50, or $100; and pre-existing coverage up to the maximum of the plan.
Worldwide Visitor (fixed benefit plan) offers maximums of $50,000 $75,000 $100,000 and $130,000; deductibles of $0, $50, or $100; and pre-existing coverage up to the maximum of the plan.
Inbound Immigrant (fixed benefit plan) offers maximums of $50,000 $75,000 $100,000 and $130,000; deductibles of $0, $50, or $100; and pre-existing coverage up to the maximum of the plan.

Modest coverage

Visitor's Care (fixed benefit plan) offers maximums of $25,000 $50,000 and $100,000; deductibles of $0, $50, and $100; and pre-existing coverage if you purchase a "Heart Care Plus" rider which covers up to $5,000 for heart attack or stroke.
Safe Travels USA Cost Saver (comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 and $1 million; deductibles of $0, $50, $100, $250, $500, $1000, $2500, or $5000; and pre-existing coverage up to $1,000.
Safe Travels USA (comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 and $1 million; deductibles of $0, $50, $100, $250, $500, $1000, $2500, or $5000; and pre-existing coverage up to $1,000.
There are still some good options to cover pre-existing medical conditions for this age group. We now have an exciting option with an exceptionally high maximum (for this age group) amount the Best category.

Best coverage

Atlas America Premium (comprehensive plan) offers maximums of $50,000 $100,000 and $250,000; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to $100,000 or maximum of plan (whichever is lowest).
Safe Travels USA Comprehensive(comprehensive plan) offers maximums of $50,000 or $100,000; deductibles of $0, $50, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to $35,000 and only $15,000 for cardiac disease.

Good coverage

Safe Travels for visitors Diamond (fixed benefit plan) offers maximums of $50,000 or $100,000; deductibles of $0, $50, $100, and $200; and pre-existing condition coverage up to $35,000 and only $15,000 for cardiac coverage.
Liaison Elite (comprehensive plan) offers maximums of $50,000 $100,000 $500,000 $1 million $2 million and $5 million; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to $10,000 (non US) or $2,500 (US citizens).
Liaison Choice(comprehensive plan) offers maximums of $50,000 $100,000; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to $5,000 (non US) or $10,000 (US citizens).
Liaison Economy (comprehensive plan) offers maximums of $50,000 $100,000; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to $5,000 (US citizens).

Fair coverage

Patriot Platinum(comprehensive plan) offers a maximum of $100,000; deductibles of $0, $100, $250, $500, $1000, $2500, $5000, $10000, and $25000; and pre-existing coverage up to $2,500.
Liaison Economy (comprehensive plan) offers maximums of $50,000 $100,000; deductibles of $0, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to $2,500 (non US).
Visit USA (comprehensive plan) offers maximums of $50,000 or $100,000; deductibles of $0, $250, $500 and $1000; and pre-existing coverage up to $2,500.
Visitor's Care (fixed benefit plan) offers maximums of $25,000 $50,000 and $100,000; deductibles of $0, $50, and $100; and pre-existing coverage if you purchase a "Heart Care Plus" rider which covers up to $2,500 for heart attack or stroke.

Modest coverage

Safe Travels USA Cost Saver(comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 and $1 million; deductibles of $0, $50, $100, $250, $500, $1000, $2500, or $5000; and pre-existing coverage up to $1,000.
Safe Travels USA (comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 and $1 million; deductibles of $0, $50, $100, $250, $500, $1000, $2500, or $5000; and pre-existing coverage up to $1,000.
We have a few policies to accommodate the older travelers.

Best coverage

Safe Travels USA Comprehensive(comprehensive plan) offers maximums of $50,000 or $100,000; deductibles of $0, $50, $100, $250, $500, $1000, $2500, and $5000; and pre-existing coverage up to $35,000 and $15,000 for cardiac disease.

Good coverage

Safe Travels for visitors Diamond (fixed benefit plan) offers maximums of $50,000 or $100,000; deductibles of $0, $50, $100, and $200; and pre-existing condition coverage up to $35,000 and $15,000 for cardiac disease.

Fair coverage

Patriot Platinum(comprehensive plan) offers a maximum of $20,000; deductibles of $0, $100, $250, $500, $1000, $2500, $5000, $10000, and $25000; and pre-existing coverage up to $2,500.
Visitor’s Care (fixed benefit plan) offers maximums of $25,000 $50,000 and $100,000; deductibles of $0, $50, and $100; and pre-existing coverage if you purchase a “Heart Care Plus” rider which covers up to $2,500 for heart attack or stroke.

Modest coverage

Safe Travels USA Cost Saver (comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 and $1 million; deductibles of $0, $50, $100, $250, $500, $1000, $2500, or $5000; and pre-existing coverage up to $1,000.
Safe Travels USA (comprehensive plan) offers maximums of $50,000 $100,000 $250,000 $500,000 and $1 million; deductibles of $0, $50, $100, $250, $500, $1000, $2500, or $5000; and pre-existing coverage up to $1,000.
Again, we have a few options for these intrepid travelers.

Fair coverage

Patriot Platinum (comprehensive plan) offers a maximum of $20,000; deductibles of $0, $100, $250, $500, $1000, $2500, $5000, $10000, and $25000; and pre-existing coverage up to $2,500.
Visitor's Care (fixed benefit plan) offers maximums of $25,000 $50,000 and $100,000; deductibles of $0, $50, and $100; and pre-existing coverage if you purchase a “Heart Care Plus” rider which covers up to $2,500 for heart attack or stroke.
I know there is a lot of information here and usually there are many plans from which to choose. Please feel free to call us anytime and we’d be happy to help you narrow down your selection and/or help with your purchase by phone.

As always, we wish you safe and happy travels!
Find out more about Pre-existing condition visitors insurance
Frequently asked questions?
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. Read more.
No , there are no medical tests required for purchasing visitor insurance
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
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