How to choose the best pre-existing condition coverage for visitors to the USA?
To choose the best pre-existing condition coverage for visitors to the USA, understand the coverage types Full Pre-Existing vs. Acute Onset.
- Full pre-existing condition coverage provides comprehensive protection for chronic and stable medical conditions from day one, including doctor visits, hospital stays, follow-ups, and treatments related to your known conditions. It usually requires a look-back period to confirm condition stability before coverage applies.
- Acute-onset coverage: Covers only sudden, unexpected emergencies related to pre-existing conditions, generally requiring immediate inpatient care. It does not cover ongoing or routine treatment and has no waiting period.
- Choose full pre-existing coverage if you need broader protection beyond emergencies, especially for ongoing care.
- Choose plans that use reputable provider networks like the UnitedHealthcare PPO network, which offer access to thousands of doctors and hospitals across the USA and lower in-network rates.
- Understand the definitions of covered pre-existing conditions and exclusions.
- If you have chronic illnesses like diabetes or heart disease, or require regular medical management, full pre-existing condition coverage is highly recommended.
- If you are inviting an elderly family members or planning longer stays, plans with higher age limits and full coverage benefits are preferable.
- For shorter visits with minimal medical history concerns, acute onset coverage might suffice.
-
INF Elite X insurance Comprehensive benefit
star Rating: AM Best Rating "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPCCoverage type Full Pre-existing condition
- Full Pre-Existing Conditions:
- Ages 0–69 years: Choose a pre-existing condition coverage limit of $25,000, $30,000, $40,000, or $50,000 with a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000.
- Ages 70–99 years: Choose a pre-existing condition coverage limit of $20,000 with a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000.
- Coinsurance: In-network pays 80% of eligible expenses; Out-of-network pays 60% of usual, reasonable & customary charges
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Up to $25,000
- Repatriation of Remains:Up to $20,000
Policy maximum?
Ages 0–69:
$150000, $250000, $300000, $500000, or $1000000.Ages 70–99: $75,000Deductible options?
$100, $250, $500, $1,000, $2,500, or $5,000Period of coverage?
90 days to 364 daysMaximum age limit
Up to 99 years
INF Elite X insurance brochures
View INF Elite X insurance brochures in different age groups
Premier X insurance Fixed benefit
star Rating: A Excellent edit_square Underwriter: Crum & Forster SPCCoverage type Full Pre-Existing conditions
- Full Pre-Existing Conditions:
- Ages 0–69 years: Choose a pre-existing condition coverage limit of $20,000, $30,000, $50,000, or $150,000 with a deductible of $1,000.
Choose a pre-existing condition coverage limit of $40,000, $60,000, $100,000, or $200,000 with a deductible of $5,000. - Ages 70–99 years: Option 1: $15,000 Maximum Benefit; subject to a $1,000 Deductible
Option 2: $25,000 Maximum Benefit; subject to a $5,000 Deductible
- Ages 0–69 years: Choose a pre-existing condition coverage limit of $20,000, $30,000, $50,000, or $150,000 with a deductible of $1,000.
- Coinsurance: Plan pays 100% up to usual and customary charges
- Direct billing: Through
United healthcare - Emergency medical evacuation: Up to $85,000
- Repatriation of remains: Up to $30,000.
Policy maximum?
Ages 0–69: $100000, $150000, $300000, $500000, or $1000000.Ages 70–99: $100,000Deductible options?
$75 $100, $250, $500, $1,000, $2,500 , $5,000Period of coverage?
90 days to 364 daysMaximum age limit
Up to 99 years
- Full Pre-Existing Conditions:
-
Safe Travels USA Comprehensive insurance Comprehensive benefit
star Rating: "A" (Excellent) edit_square Underwriter: Zurich insurance Europe AG Belgian branchCoverage type Acute on set of Pre-existing condition
- Acute onset of pre-existing condition: Best coverage for acute onset of pre-existing conditions available for visitors up to 89 years old. For travelers under age 70, the plan covers 100% of the policy maximum; for ages 70 to 79, the acute onset benefit is limited to $35,000, and for those 80 and older, it is limited to $20,000.
- Cardiac conditions and stroke: expenses are covered up to $25,000 per period of insurance for ages up to 69, and up to $15,000 per period of insurance for ages 70 and above.
- Coinsurance: After deductible, plan pays 100% up to the policy maximum
- Direct Billing: First HealthCare
- Emergency medical evacuation: 100% up to $1,000,000
- Repatriation of Remains: Up to $50,000
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
5 days to 364 daysMaximum age limit
Up to 89 years
SafeVista Comprehensive Comprehensive plan
Coverage type Acute on set of Pre-existing condition
- Acute on set of pre-existing conditions: Covered up to the policy maximum for ages up to 99 years, except for cardiac conditions (angina, heart attacks, and stroke), which have a maximum coverage of $25,000 for individuals under age 70 and $15,000 for those aged 70 and above.
- Coinsurance: In-network pays 80% of eligible expenses; Out-of-network pays 50% of usual, reasonable & customary charges
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Up to $25,000
- Repatriation of remains: Up to $10,000
Policy maximum?
Ages 0–69: $100,000, $250,000, $500,000 or $1,000,000.
Ages 70–99: $100,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, or $5,000Period of coverage?
10 days to 364 daysMaximum age limit
Up to 99 years
Visitors Protect insurance Comprehensive benefit
star Rating: A- edit_square Underwriter: SiriusPoint Specialty insurance CorporationCoverage type Pre-existing condition
- Pre-Existing Condition Coverage:
- For individuals aged 69 and below: Coverage up to $25,000 with a deductible of $1,500 per injury or illness.
- For individuals aged 70 to 99 years: Coverage up to $20,000 with a deductible of $1,500 per injury or illness.
- 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 or Unitedhealthcare
- Emergency medical evacuation: Up to $25,000
- Repatriation of Remains:Up to overall maximum limit
Policy maximum?
Ages 0–69: $50,000, $100,000, $250,000
Ages 70–99: $50,000Deductible options?
$250, $500, $1,000, $2,500 or $5,000Period of coverage?
15 days to 365 daysMaximum age limit
Up to 99 years
Venbrook Premier Venbrook International
Coverage type Acute on set of Pre-existing condition
-
- For ages up to and including 69: Acute onset of pre-existing conditions is covered up to the medical policy maximum purchased per policy period, subject to policy limits and restrictions.
- Covers emergency medical evacuation up to a maximum of $25,000 per policy period under the acute onset benefit.
- Venbrook Premier covers sudden acute onset events of chronic conditions like diabetes under specific conditions, and always covers emergency heart attacks or strokes if underlying chronic conditions are well-controlled.
- Coverage for cardiovascular events is up to the policy maximum per policy period for ages up to 64, $25,000 for ages 65 to 69, and $15,000 for ages 70 and over.
- Coinsurance: After deductible, plan covers 100% up to the maximum
- Acute onset of pre-existing conditions: Up to maximum limit, for ages up to 70 years
- Emergency medical evacuation: Up to $1,000,000
- Repatriation of Remains: Up to $50,000 per policy period
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000Deductible options?
$0, $100, $250, $500, $1,000 $2,500, $5,000Period of coverage?
5 days to 12 monthsMaximum age limit
Up to 99 years ( with pre-existing coverage up to 70 years only)
Atlas America insurance Comprehensive benefit
star Rating: Rating: A++ (Superior) edit_square Underwriter: TMHCC insurance SPC Ltd and Houston Casualty CompanyCoverage type Acute on set of Pre-existing condition
- Acute on set of pre-existing coverage:
- For ages up to and including 79 : Acute onset of pre-existing conditions is covered up to the medical policy maximum.
- Covers emergency medical evacuation up to a maximum of $25,000 per policy period under the acute onset benefit.
- Coinsurance: After deductible, plan pays 100% up to policy maximum
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Up to $1,000,000
- Repatriation of Remains: Equal to the elected overall maximum limit
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
364 daysMaximum age limit
Up to 99 years ( with pre-existing coverage up to 79 years only)
Patriot America Plus insurance Comprehensive benefit
star Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s edit_square Underwriter: SiriusPoint Specialty insurance CorporationCoverage type Acute on set of Pre-existing condition
- Acute on set of Pre-existing condition:
- For ages up to and including 70 : Acute onset of pre-existing conditions is covered up to the medical policy maximum.
- Covers emergency medical evacuation up to a maximum of $25,000 per policy period under the acute onset benefit.
- Coinsurance: In-network: 100% after deductible; Out-of-network: 90% up to $500, then 100% after deductible.
- Direct Billing: First HealthCare or Unitedhealthcare
- Emergency medical evacuation: Up to $1,000,000
- Repatriation of Remains:Equal to the elected overall maximum limit
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500Period of coverage?
5 days to 12 monthsMaximum age limit
Up to 99 years ( with pre-existing coverage up to 70 years only)
INF Elite X insurance Comprehensive benefit
Safe Travels USA Comprehensive insurance Comprehensive benefit
Visitors Protect insurance Comprehensive benefit
Venbrook Premier Venbrook International
Atlas America insurance Comprehensive benefit
