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Pre-existing Condition Insurance Coverage, Visitor medical insurance for Pre-existing conditions |
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As frequent international travelers we know what it feels like to be sick and far from home. For travelers who already have medical conditions that they are worried about (pre-existing health conditions), this can be particularly troublesome since most medical insurance for visitors do not cover pre-existing conditions. However, some policies do offer options for these travelers and we at American Visitor Insurance know the ins and outs of these benefits. Recently more insurance plan providers have begun to offer some coverage for these pre-existing health conditions for visitors.
To get a clear idea of what benefits the travel policies offer please refer to the information below.
The best coverage of Pre-existing Conditions can be found with Major Medical plans which are under the 'global health insurance' section of our website. These plans are ideally suited to someone who wants long term insurance (12 months and above).
Global health insurance plans or Major Medical Plans – Renewable for longer durations |
Global Medical Platinum Insurance:
Under the Global Medical Platinum plan you must disclose all your Pre-existing Conditions on your Application, if these conditions are neither excluded nor restricted by a Rider or any other provision of your Certificate then your Pre-existing Conditions may be covered the same as any other Illness or Injury as of the policy's effective date.
Your application form will be reviewed by the Underwriters who will inform you (usually within 5 working days) of their decision to cover the Pre-existing Conditions.
- The plan provides a total lifetime coverage amount of $8,000,000.
- It is a comprehensive benefits plan.
- The minimum duration of coverage is 12 months.
- US Citizens on this plan must spend at least 6 months of the policy period outside of their home country. All visits to the home country must last no longer than 30 days.
- Non-US Citizens may avail of this plan wherever in the world they may be with no restrictions on time spent in any country.
For more details please refer to the Reside worldwide plan brochure
You can also purchase the reside worldwide plan online
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CitizenSecure Insurance:
Under the CitizenSecure plan you must disclose all your Pre-existing Conditions on your Application, if these conditions are neither excluded nor restricted by a Rider or any other provision of your Certificate then your Pre-existing Conditions may be covered the same as any other Illness or Injury as of the policy's effective date.
Your application form will be reviewed by the Underwriters who will inform you (usually within 5 working days) of their decision to cover the Pre-existing Conditions.
- The plan provides a total lifetime coverage amount of $5,000,000.
- It is a comprehensive benefits plan.
- The minimum duration of coverage is 12 months.
- US Citizens on this plan must spend at least 6 months of the policy period outside of their home country (they must exit the home country within 30 days of the plan's effective date).
- Non-US Citizens may avail of this plan wherever in the world they may reside.
- This plan is not available to residents of the State of Florida.
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Global Citizen Insurance:
Under the Global Citizen plan Pre-existing Conditions may be covered after 6 months of continuous coverage. This waiting period may be reduced or eliminated by showing proof of prior creditable coverage. Creditable coverage includes primary health care providers like Blue Cross/Blue Shield, Medicare or Medicaid, etc.
- The plan provides a total lifetime coverage amount of $5,000,000.
- It is a comprehensive benefits plan.
- The minimum duration of coverage is 12 months.
- US Citizens or Residents may obtain coverage within and outside the USA.
- Non-US citizens may obtain coverage only within the USA.
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Global Medical Gold Insurance:
Under the Global Medical Gold plan you must disclose all your Pre-existing Conditions on your Application, if these conditions are neither excluded nor restricted by a Rider or any other provision of your Certificate then your Pre-existing Conditions may be covered after 24 months of continuous coverage on the plan. A benefit of $5,000 per period of coverage is available up to a lifetime maximum of $50,000 for Pre-existing Conditions.
- The plan provides a total lifetime coverage amount of $5,000,000.
- The plan is a comprehensive benefits plan.
- The minimum duration of coverage is 12 months.
- US Citizens on this plan must spend at least 6 months of the policy period outside of their home country. All visits to the home country must last no longer than 30 days.
- Non-US Citizens may avail of this plan wherever in the world they may be with no restrictions on time spent in any country.
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Reside Prime Insurance:
Under the Reside Prime plan, you must disclose all your Pre-existing Conditions on your Application, if these conditions are neither excluded nor restricted by a Rider or any other provision of your Certificate then your Pre-existing Conditions may be covered after 24 months of continuous coverage on the plan. A benefit of $5,000 per period of coverage is available up to a lifetime maximum of $50,000 for Pre-existing Conditions.
- The plan provides a total lifetime coverage amount of $5,000,000.
- The plan is a comprehensive plan.
- The minimum duration of coverage is 12 months.
- Non-US and US Citizens who avail of this plan must spend at least 6 months of the policy period outside of the USA and must leave the USA within 30 days of the policies effective start date.
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MAJOR MEDICAL - FIXED BENEFITS PLANS |
Global Medical Silver Insurance:
Under the Global Medical Silver plan you must disclose all your Pre-existing Conditions on your Application, if these conditions are neither excluded nor restricted by a Rider or any other provision of your Certificate then your Pre-existing Conditions may be covered after 24 months of continuous coverage on the plan. A benefit of $5,000 per period of coverage is available up to a lifetime maximum of $50,000 for Pre-existing Conditions.
- The plan provides a total lifetime coverage amount of $5,000,000.
- The plan is a fixed benefits plan.
- The minimum duration of coverage is 12 months.
- US Citizens on this plan must spend at least 6 months of the policy period outside of their home country. All visits to the home country must last no longer than 30 days.
- Non-US Citizens may avail of this plan wherever in the world they may be with no restrictions on time spent in any country.
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CitisenSecure Economy Insurance:
Under the CitizenSecure Economy plan coverage for Pre-existing Conditions is available after 24 months of continuous coverage on the plan. A benefit of $5,000 per certificate period of coverage is available up to a lifetime maximum of $50,000 for Pre-existing Conditions.
Additionally under this plan if your Pre-existing Conditions have been fully disclosed on your Application for CitizenSecure and are not excluded or restricted by a Rider or any other provision of your Certificate then you are covered for the acute onset of a PEC up to $1,000 during the first 12 months of coverage and up to $2,500 during the second 12 months of coverage hereunder. The Acute Onset of a Pre-existing Condition is a sudden, unexpected outbreak or recurrence of a Pre-existing Condition, which occurs spontaneously and without advance warning, either in the form of Physician recommendations or symptoms that would have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
- The plan provides a total lifetime coverage amount of $5,000,000.
- It is a fixed benefits plan.
- The minimum duration of coverage is 12 months.
- US Citizens on this plan must spend at least 6 months of the policy period outside of their home country (they must exit the home country within 30 days of the plan's effective date).
- Non-US Citizens may avail of this plan wherever in the world they may be with no restrictions on time spent in any country.
- This plan is not available to residents of the State of Florida.
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Reside Worldwide Insurance:
Under the Reside Worldwide plan you must disclose all your Pre-existing Conditions on your Application, if these conditions are neither excluded nor restricted by a Rider or any other provision of your Certificate then your Pre-existing Conditions may be covered after 24 months of continuous coverage on the plan. A benefit of $5,000 per period of coverage is available up to a lifetime maximum of $50,000 for Pre-existing Conditions.
- The plan provides a total lifetime coverage amount of $5,000,000.
- The plan is a fixed benefits plan.
- The minimum duration of coverage is 12 months.
- Non-US and US Citizens who avail of this plan must spend at least 6 months of the policy period outside of the USA and must leave the USA within 30 days of the policies effective start date.
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Short term visitor medical insurance plans – Usually 1-2 year renewability |
For those travelers who do not wish to purchase a long term policy but instead needs a policy for less than 12 months we have several excellent short term policies that provide some medical benefit towards Pre-existing Conditions.
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Atlas America Insurance:
Under the Atlas America plan coverage for the Acute Onset of a Pre-existing Conditions is offered if the applicant is under the age of 70. Coverage is available up to a maximum of $15,000 for eligible medical expenses and up to $25,000 for emergency medical evacuation.
The Acute Onset of a Pre-existing Condition is a sudden, unexpected outbreak or recurrence of a Pre-existing Condition, which occurs spontaneously and without advance warning, either in the form of Physician recommendations or symptoms that would have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
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For US Citizens: The Patriot Platinum plan will provide coverage for the sudden or unexpected occurrence of a pre-existing conditions within the following limits: Up to age 65 with primary health plan - URC up to plan maximum. Up to age 65 without primary health plan - $20,000 lifetime maximum. Age 65+ with or without primary health plan - $2,500 lifetime maximum.
For Non-US Citizens: The Patriot Platinum plan will provide coverage for the sudden or unexpected occurrence of a pre-existing conditions within the following limits: Up to age 65. $20,000 lifetime maximum for eligible medical expenses. $20,000 lifetime maximum for Emergency Medical Evacuation.
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Under the Liaison Majestic plan the look back period for Pre-existing Conditions is 36 months if seeking coverage within the USA and 12 months if seeking coverage outside the USA.
For US Citizens whose home country is the United States the above exclusion is waived for the first $20,000 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $2,500). This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program.
For non-United States citizens who suffer a Myocardial Infarction or Stroke and are admitted to a Hospital, this exclusion is waived in order to pay a $200 per night benefit for each night spent in the Hospital, up to a maximum benefit of $3,000.
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If the travelers are US Citizens and under age 70, they are covered for the Acute Onset of a Pre-existing Condition as defined below:
Up to $20,000 for U.S. citizens under age 70 traveling outside the United States and Canada (Age 70+, up to $5,000)
If the travelers are Non-US Citizens and under age 70, they are covered for the Acute Onset of a Pre-existing Condition as defined below:
Up to $15,000 for non-U.S. citizens under age 70 traveling to the United States (Age 70+, no benefit).
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VISITOR MEDICAL INSURANCE - SHORT TERM FIXED POLICIES |
If travelers are UNDER the age of 70, then Inbound USA will provide the following coverage for a pre-existing condition: Should the Insured Person suffer a Myocardial Infarction or Stroke during the Period of Coverage and it is determined to be a “Pre-Existing Condition,” coverage for those expenses will be covered up to the Pre-Existing Condition Benefit maximum of $5000, according to the Schedule of Benefits.
If travelers are OVER the age of 70, , then Inbound USA will provide the following coverage for a pre-existing condition: Should the Insured Person suffer a Myocardial Infarction or Stroke during the Period of Coverage and it is determined to be a “Pre-Existing Condition,” coverage for those expenses will be covered up to the Pre-Existing Condition Benefit maximum of $3000, according to the Schedule of Benefits.
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In the event an insured person experiences a Stroke or Myocardial Infarction (Heart Attack) while the certificate is in force, and the condition is deemed to be pre-existing, the plan will cover those expenses associated with said condition up to a maximum of $5,000 for ages 0 - 69 and up to $2,500 for ages 70+.
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Comparison of Benefits provided by different Pre-existing Coverage Plans
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Travel Medical Insurance
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K1 fiance visa insurance
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Pre Existing Insurance Blogs
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Pre Existing Condition Coverage for Visitors
Pre-existing medical condition is one for which an individual actually received care, treatment or medical advice during a certain period before coverage went into effect. Pre-existing medical conditions, such as asthma, diabetes or cancer... for which an individual was diagnosed and received and treatment are covered under only few visitor medical insurance plans. Travellers can shop at American Visitor Insurance for pre existing condition insurance coverage.More details |
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