Best Coverage for Pre-existing Medical Conditions

Pre-existing Medical Conditions

Compare quotes of pre-existing conditions insurance for US Visitors

1. Select Country / Countries where coverage is required ?

2. Visitor's /Traveler's Citizenship ?

3. Start date (mm/ dd/ yyyy)
4. End date (mm/ dd/ yyyy)
5. Traveller's Age*
6. Spouse's Age ? (If reqd)
7. Number of Dependents under 18 years

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.

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.

Insurance Coverage for older travelers with Pre-existing Conditions

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).

The best visitor insurance that covers pre existing conditions can be found for persons under 70 years of age.
Note that once a person hits age 70, the pre-existing condition benefit either goes away completely or is significantly reduced (to $2,000 or so only). So even though you may be able to pay 69 year old prices if a traveler hits his 70th birthday while on vacation, this benefit will no longer apply from that date forward. So, check the next age category if you are hovering at the 69/70 year boundary.

COMPREHENSIVE PLAN
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INF Elite plan

  • INF provides the best comprehensive plans for pre existing condition coverage.
  • INF Elite plan being the best of all (ONLY COMPREHENSIVE PLAN WITH FULL PRE EXISTING COVER) with full pre existing condition coverage available.
  • This includes doctor appointments, blood tests and lab work, special care, urgent care and hospital stays.
  • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years.
  • Plan covers COVID-19.
Buy INF Elite online
IMG

Patriot America Plus

  • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
  • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
  • Available for US citizens visiting USA
Buy Patriot America Plus online
seven corners

Travel Medical Choice

  • 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-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age under 70.
  • Coverage for U.S Citizens while traveling outside of Home Country.
Buy Travel Medical Choice online
hccmis

Atlas Premium

  • Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 70 years (excludes chronic and congenital conditions).
  • Atlas Premium Covid insurance offers coverage for coronavirus illness.
  • Plan offers coverage for coronavirus illness
Buy Atlas Premium online
seven corners

Travel Medical Basic Insurance

  • 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
  • Including USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years.
  • Excluding USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 64 years and a coverage of $5,000 for age under 70.
Buy Travel Medical Basic online
seven corners

Travel Medical Plus Insurance

  • Travel Medical Plus Covid insurance offers coverage for coronavirus.
  • Including USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 69 years.
  • Excluding USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age under 70.
Buy Travel Medical Basic online
trawick

Safe Travels USA Comprehensive

  • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
  • Covers Acute Onset of a Pre-Existing Condition: Up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years and $15,000.
Buy Safe Travels USA Comprehensive

FIXED PLAN
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INF Premier plan

  • The INF Premier fixed plan is the best plan (ONLY FIXED PLAN WITH FULL PRE EXISITNG COVER)that provides full pre existing condition coverage including the doctor appointments, blood tests, special care, urgent care and hospital stays for emergencies.
  • Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years
  • Plan offers coverage for coronavirus illness
Buy INF Premier online
seven corners

Inbound USA Basic

  • This plan is for Non US citizens coming to the US.
  • This plan also provides coverage for their Spouse, Traveling Companions, and Child(ren).
  • Acute onset of pre-existing conditions are covered up to $50,000 up to the age of 69 years.
  • Buy Inbound USA Basic online
seven corners

Inbound USA Choice

  • This plan is for Non US citizens coming to the US.
  • This plan also provides coverage for their Spouse, Traveling Companions, and Child(ren).
  • Acute onset of pre-existing conditions are covered up to $75,000 up to the age of 69 years.
Buy Inbound USA Choice online
Trawick international

Safe Travels Elite

  • This is a fixed benefits insurance plan from Trawick International and is available as Economy, Basic, Silver, Gold and Platinum with different policy maximum options for each.
  • Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
  • The plan provides Emergency Medical Evacuation of $100,000 for the Economy, Basic and Silver plan and covers up to policy maximum for the Gold and the Platinum plan.
  • Plan offers coverage for coronavirus illness
Buy Safe Travels Elite online
worldtrips

Visitor Secure Insurance

  • It offers coverage for acute onset of pre-existing conditions up to 70 years.
  • Plan can be renewed up to 364 days.
Buy Visitor Secure online
Travel Insure

Visit USA Insurance

  • Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
  • Visit USA offers 3 plans to satify your requirements and budget.
  • Covers Acute onset pre-Existing condition up to Ages 65 and above: $2,500 ; All others: $20,000(excludes chronic and congenital conditions)
  • Plan offers coverage for coronavirus illness
Buy Visit USA online

There are still some good options who offer pre-existing condition insurance plan for visitors 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
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INF Elite plan

  • The Elite Network covers all pre-existing conditions for Non-US Citizens.
  • Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 79 years.
  • Plan covers COVID-19.
Buy INF Elite online
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INF Premier plan

  • The Premier plan is the only short-term plan for Visitors which covers all pre-existing conditions.
  • For age 70 to 79 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
  • Plan covers COVID-19.
Buy INF Premier online
worldtrips

Atlas America Insurance

  • Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
  • Atlas America Covid insurance offers coverage for coronavirus illness.
Buy Atlas America online
worldtrips

Atlas America Premium

  • Atlas Premium America Covid insurance offers coverage for coronavirus illness.
  • Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
Buy Atlas America Premium online
trawick

Safe Travels USA Comprehensive

  • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
  • Covers Acute Onset of a Pre-Existing Condition: For ages 70 and above. Above 70 years the Acute Onset benefits is reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
  • It offers coverage for visitors up to 89 years.
Buy Safe Travels USA Comprehensive

Good coverage
trawick

Safe Travels Elite Diamond

  • It is available for travelers of ages 70 to 89 years
  • Acute Onset of a Pre-existing Condition - up to $35,000 for age 70-79 years per policy period subject to the sub limits as mentioned ( any coverage related to cardiac disease or conditions is limited to $15,000 for age 70 years and above
  • li>Safe Travels Elite insurance offers coverage for coronavirus.
Buy Safe Travels Elite Diamond
seven corners

Travel Medical Choice Insurance

  • The policy maximum is available up to $5,000,000 for people up to 79 years.
  • Acute onset of pre-existing conditions are covered up $10,000 for age of 70-79.
  • Coverage for U.S Citizens while traveling outside of Home Country.
Buy Travel Medical Choice online
seven corners

Travel Medical Basic Insurance

  • 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
  • Including USA: Acute onset of pre-existing conditions are covered up to a coverage of $2,500 for age of 70-79.
  • Excluding USA: Acute onset of pre-existing conditions are covered up to a coverage of $5,000 for age of 70-79.
Buy Travel Medical Basic online

Fair coverage
seven corners

Travel Medical Basic Insurance

  • 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
  • Including USA: Acute onset of pre-existing conditions are covered up to a coverage of $2,500 for age of 70-79.
  • Excluding USA: Acute onset of pre-existing conditions are covered up to a coverage of $5,000 for age of 70-79.
Buy Travel Medical Basic online

Modest coverage
trawick

Safe Travels USA Cost Saver

  • Safe Travels USA Cost Saver offer excess medical coverage.
  • Covers Unexpected Recurrence of a Pre-Existing Condition up to $1,000 of Covered Expenses
  • Safe Travels USA Cost Saver insurance offers coverage for coronavirus.
Buy Safe Travels USA Cost Saver
trawick

Safe Travels USA

  • Safe Travels USA offers comprehensive US Covid19 insurance coverage for illness and accident.
  • Covers Unexpected Recurrence of a Pre-Existing Condition up to $1,000 of Covered Expenses
Buy Safe Travels USA
We have a few policies to accommodate the older travelers.

Best coverage
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INF Elite plan

  • The Elite Network covers all pre-existing conditions for Non-US Citizens.
  • Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 80 to 89 years.
  • Plan covers COVID-19.
Buy INF Elite online
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INF Premier plan

  • INF Premier plan: (fixed benefit plan) Full pre existing coverage available with a maximum are covered up to $15,000/$25,000 for age 80-89 with a pre existing deductible of $1000/$5000.
  • Plan covers COVID-19.
Buy INF Premier online
trawick

Safe Travels USA Comprehensive

  • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
  • Covers Acute Onset of a Pre-Existing Condition: Up $15,000 for ages 70 and above. Above 70 years the Acute Onset benefits is reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
  • It offers coverage for visitors up to 89 years.
Buy Safe Travels USA Comprehensive

Good coverage
trawick

Safe Travels Elite Diamond

  • It is available for travelers of ages 70 to 89 years
  • Acute Onset of a Pre-existing Condition $15,000 for age 80-89 per policy period subject to the sub limits as mentioned ( any coverage related to cardiac disease or conditions is limited to $15,000 for age 70 years and above)
Buy Safe Travels Elite Diamond

Modest coverage
trawick

Safe Travels USA Cost Saver

  • Safe Travels USA Cost Saver offer excess medical coverage.
  • Covers Unexpected Recurrence of a Pre-Existing Condition up to $1,000 of Covered Expenses
  • Safe Travels USA Cost Saver insurance offers coverage for coronavirus.
Buy Safe Travels USA Cost Saver
trawick

Safe Travels USA

  • Safe Travels USA offers comprehensive US Covid19 insurance coverage for illness and accident.
  • Covers Unexpected Recurrence of a Pre-Existing Condition up to $1,000 of Covered Expenses
Buy Safe Travels USA
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INF Elite Network plan

  • This plan is available for Non US citizens coming to the US.
  • Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 90 to 99 years.
  • This plan covers Covid-19
Buy INF Elite online
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INF Premier plan

  • This plan is available for Non US citizens coming to the US.
  • For age 90 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
  • This plan covers Covid-19
Buy INF Premier online

How will the insurance company determine what is a pre-existing condition?
Each company uses a slightly different wording for their definition, but basically, I tell people this is what it means: A pre-existing condition is a medical condition that you have been diagnosed with, are being treated for, or had before the start of the policy with reasonable medical certainty. This definition is tricky because the insured doesn't need to know that they have a condition in order for it to be considered pre-existing. We had a client who was diagnosed with a chronic bladder infection. Since it was found to be chronic, it was determined that the infection must have already been present before the trip started. Unfortunately, that meant the client did not get any coverage for their medical expenses. Many policies require a paerson to be stable in their condition before they will cover it as a pre-existing condition anyway, so even a policy with a pre-existing condition clause like the ones I have described above, may exclude covering expenses in this particular example.

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!
Here we present short term visitor medical insurance plans that cover pre-existing conditions* and plans which only cover acute onset of Pre-existing ailments**

*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).

**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.

Cost of best US travel insurance for pre-existing conditions

There is no single cost for all visitors insurance as the cost of US visitors insurance varies based on several factors such as the age of the visitor, medical maximum coverage, deductible for the plan, type of visitors insurance (Fixed vs comprehensive travel insurance), and the coverage if any for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day. In general the cost of US travel insurance starts from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the better and more comprehensive will be the travel insurance coverage.
Best travel insurance with pre-existing condition coverage -

For eg - Age: 40 years; Duration: 1 Month; Deductible: $0

Plan name
Pre-existing coverage
Estimate Plan Cost+
(Plan maximum coverage)
  • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
  • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
  • Available for US citizens visiting USA
Coverage: $50,000 - $1,000,000?
Price range: $90 - $170
Buy now
  • It is an affordable plan for visitors visiting the US.
  • This plan covers pre existing condition for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
  • Visitors Protect Covid insurance offers coverage for coronavirus illness.
Coverage: $50,000 - $250,000?
Price range: $485 - $728
Buy now
  • Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
  • Atlas America Covid insurance offers coverage for coronavirus illness.
Coverage: $50,000 - $2,000,000 ?
Price range: $110 - $230
Buy now
  • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
  • Covers Acute Onset of a Pre-Existing Condition: Up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years and $15,000 for ages 70 and above. Above 70 years the Acute Onset benefits is reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
  • It offers coverage for visitors up to 89 years.
  • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
Coverage: $50,000 - $1,000,000 ?
Price range: $90 - $160
Buy now
  • Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
  • Safe travel USA Covid insurance offers coverage for coronavirus.
  • It offers coverage for visitors up to 89 years.
  • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
Coverage:$50,000 - $1,000,000 ?
Price range:$90 - $160
Buy now
  • Covers unexpected recurrence of a pre-existing medical conditions up to $1000
  • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
  • Eligible for foreign residents visiting USA and worldwide
  • It offers coverage for visitors up to 89 years.
Coverage: $50,000 - $1,000,000 ?
Price range: $70 - $120
Buy now
  • Travel Medical Plus Covid insurance offers coverage for coronavirus.
  • Including USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 69 years and a coverage of $5,000 for age of 70-79.
  • Excluding USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age of 65-74.
Coverage: $50,000 - $1,000,000 ?
Price range: $160 - $290
Buy now
  • 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
  • Including USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years and a coverage of $2,500 for age of 70-79.
  • Excluding USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 64 years and a coverage of $5,000 for age of 65-79.
Coverage: $50,000 - $1,000,000 ?
Price range: $110 - $180
Buy now
  • This plan is for Non Us citizens and Non US residents visiting the US.
  • Covers pre-Existing condition exclusion: 24 Months prior to the start date of coverage
Coverage: $50,000 - $1,000,000 ?
Price range: $130 - $220
Buy now
  • There is a minimum purchase of 90 days required to buy this plan.
  • This plan is available for Non-US Citizens.
  • Anyone visiting USA or Canada can enroll in this plan.
  • Elite Network plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
Coverage: $150,000 - $300,000 ?
Price range: $768 - $860
Buy now
  • There is a minimum purchase of 90 days required to buy this plan.
  • Covers Preventive & maintenance care and coverage for full body physicals.Coverage for TDAP, Flu, etc Vaccines
  • Anyone visiting USA or Canada can enroll in this plan.
  • Elite Network plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • Pre-Existing complications from Covid-19 covered.
Coverage: $150,000 - $300,000 ?
Price range: $768 - $860
Buy now
  • There is a minimum purchase of 90 days required to buy this plan.
  • This plan is available for Non-US Citizens.
  • Anyone visiting USA or Canada can enroll in this plan.
  • Covers 90% of eligible medical expenses
  • Elite Network plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
Coverage: $150,000 - $300,000 ?
Price range: $752 - $841
Buy now
Best travel insurance with pre-existing condition coverage -
Plan name
Pre-existing coverage
Estimate Plan Cost+ with plan maximum coverage
  • Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
  • Visit USA offers 3 plans to satify your requirements and budget.
  • Covers Acute onset pre-Existing condition up to Ages 65 and above: $2,500 ; All others: $20,000(excludes chronic and congenital conditions)
Coverage: $50,000 - $250,000 ?
Price range: $50 - $190
Buy now
  • It offers coverage for acute onset of pre-existing conditions up to 70 years.
  • Plan can be renewed up to 364 days.
Coverage: $50,000 - $130,000 ?
Price range: $40 - $80
Buy now
  • There is a minimum purchase of 90 days required to buy this plan.
  • This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan
  • Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
  • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
Coverage: $150,000 - $300,000 ?
Price range: $278 - $448
Buy now
  • Foreign residents visiting USA and worldwide.
  • Plan can be renewed up to 2 years.
  • The plan provides Emergency Medical Evacuation of $100,000 for the Economy, Basic and Silver plan and covers up to policy maximum for the Gold and the Platinum plan.
  • Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
Coverage: $50,000 - $175,000 ?
Price range: $40 - $60
Buy now

+ Factors that determine the cost of US 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 visitors health insurance.

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

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.

Duration of travel insurance

The longer the duration of visitor medical insurance required, the higher will be the cost.

Best health insurance for visitors to USA with pre-existing conditions

Please explain the difference between full coverage for pre-existing conditions and coverage for acute onset of pre-existing conditions by US visitor insurance.

Most of the US visitors insurance plans provide coverage for "Acute Onset of Pre-Existing Conditions". This basically provides coverage in the event of an existing medical ailment becoming life threatening and needing emergency medical care. This coverage will usually have exclusions for coverage of gradual or slow worsening of the existing ailment.

INF is one of the few companies which offers USA travel insurance plans for visitors to the US with full coverage for pre-existing ailments. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. The INF plans treat the pre-existing conditions like any new sicknesses. Prescription Medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions'. Some of the common pre-existing condition exclusions are:
  • A limit on the coverage for certain adverse medical events like a myocardial infraction, heart attack or other Cardiac events.
  • A limit on the number of occurrences within the insured period.
  • Explicit exclusions for certain ailments like Urinary Tract infections, Kidney infections or Bladder infections.

This also explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment.

Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?

The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions'.

Does INF travel insurance really offer coverage for all preexisting conditions?

In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier & INF Elite Network best travel insurance for pre existing conditions..

Travel insurance for foreigners in USA

In 2022 even as many countries opened their borders again for international tourists, the threat of the Covid19 with the sub variants like Omicron BA.1, BA.2, BA.3, BA.4 and BA.5 continued to spread across the globe. Even though the Omicron sub-variants are notorious for their immune evasion capacity, thanks to increased vaccination, they have been less hospitalization with these infections. In fact international travelers flying in to the USA, are now no longer required to have a negative COVID19.However, given the pandemic international travelers are understandably more concerned about safety while traveling. Unlike before the pandemic, there is now an increased demand to buy the best travel insurance available.Most US travel insurance providers now include coverage for Covid19 just like any other illness.To protect the trip it is advisable to get travel medical insurance with wide benefits like, trip cancellation, cancel for any reason,travel

Travel Insurance with covid coverage for visiting USA

delay or interruption, baggage or personal belongings loss, medical expenses of COVID19, emergency medical evacuation and repatriation etc...

At American visitor insurance travelers can choose from a wide range of choices that cater to various travel and medical needs. Travelers can compare and include the benefits according to their specific requirement. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

Cheap Covid travel insurance for visiting USA

Trawick International insurance

Trawick International offers visitor medical insurance for coronavirus with their Safe Travels USA Insurance. The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. Travelers can compare Safe Travels USA Covid19 travel insurance plans and buy it online to get coverage as early as the following day. Travelers can also download a visa letter which indicates that Safe travels USA visitors insurance covers covid19 illness.

International Medical Group (IMG) insurance for Covid19

International Medical Group (IMG) travel insurance offers coronavirus insurance for USA with the Patriot America Plus and Patriot Platinum insurance plans. The Patriot America Plus Insurance and Patriot America Platinum insurance include COVID coverage like any other illness up to the policy maximum.

INF travel insurance

INF travel insurance offers Covid coverage as any other new sickness. It is available for Non-US citizens or residents travelling to the US. INF Premier and INF Elite plans covers pre-existing complications from COVID19.

Global Underwriters US visitor insurance

Diplomat America travel insurance by Global Underwriters offers coverage for covid19 as a new sickness. It is available for Non-US citizens or residents traveling to the US. Diplomat Long term Covid19 medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.

Seven Corners visitors medical insurance

Travel Medical Plus Insurance offered by Seven Corners includes health insurance treatment benefit for COVID19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

Please know we are here to help you make the best, informed decision to get coverage even for COVID19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Travel insurance for Coronavirus Covid

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Find out more about Pre-existing condition visitors insurance

Frequently asked questions about pre-existing condition visitor medical insurance

Do international students need health insurance? Do f1 students need health insurance ?

Without doubt, all students should have health insurance while they are in the US. The US health care costs are the highest in the world and a minor injury or accident could set you back tens of thousands of dollars. Being healthy and taking care of yourself is, of course, highly recommended, but accidents happen to us all and when we least expect. Students should have proper insurance before anything emergency situation arises so that you do not find yourself in serious debt.

How much does health insurance cost for a college student ?

The health insurance cost for the college student will depend on the coverage benefits of the student insurance plan, the age of the student, the medical maximum coverage required and the deductible for the plan. The cost of student health insurance coverage within the US is more expensive when compared to coverage outside the US.

Why should international students compare health insurance ?

Most international student health insurance plans seem similar on first impressions. However, while they have many benefits in common and the premium is also similar, different student insurance plans do have some additional benefits or perhaps some specific constraints. In order to choose the best plan based on the students requirements and to get sufficient coverage from the international student insurance plan, it is important to compare different features available in the student health insurance plan.

The following are important factors for comparing student health insurance plans:

Policy Maximum: This is the maximum amount on the insurance plan which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an extreme emergency as per the policy guidelines and conditions mentioned in the policy.

Deductible: The deductible options can range anywhere from $50 up to $5000 between the plans. A larger deductible means lower premium price and vice versa. Picking a large deductible thus low premium by choosing a comprehensive plan is usually recommended, as most of the comprehensive plans have an one time deductible and is cost effective.

Pre existing condition coverage: This is very important benefit factor as many customers need this benefit. The student plans have a minimum 6 month waiting period for coverage of pre-existing conditions.

Coverage for mental illness and drug abuse: This coverage is required by most of the universities.

Cancellation and Renewability: Each plan have their unique cancellation and renew-ability policies. It is important to pay attention to it if there is any ambiguity while booking insurance initially.

Sports and other unique activities: Some of the plans provide coverage for intercollegiate and interscholastic sports...
Based on these factors, American Visitor Insurance provides an excellent compare student medical insurance facility where getting quotes as per students’ requirements. Once the required information is entered in the form, a summary of popular student insurance plans are displayed which can be compared.

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