Visitors Medical Insurance for Parents With Pre-Existing Conditions
- Traveling internationally has become commonplace across the age continuum.
- Individuals are traveling internationally for vacation, business work, family visits and/or special occasions.
- More frequent international travel is also now being enjoyed by many parents in their 60's and 70's.
- Due to health and safety concerns, the ability to travel becomes a complicated decision for many older travelers.
- As you grow older, you will have more difficulty taking health for granted when traveling long distances.
- For older parents who are traveling abroad, obtaining travel medical insurance becomes vitally important.
- This might not be such an easy decision for some, given the concerns of safety and health. Given that at this age, travelers cannot take their health for granted it is important to take travel medical insurance for parents
- Many of these elderly parents travel to the United States to visit their children and grandchildren.
- Most of these international travelers are aged 55 and older.
- At this age, you will have an increased chance of experiencing age-related and other types of health problems.
- This indicates the possibility of an existent health condition commonly known as pre-existing conditions
- Visitor health insurance plans are available in the market but it is important to choose a health insurance that covers pre existing conditions plan carefully with sufficient coverage
- An extremely important point to note is that the coverage for pre-existing condition is available only for the acute onset of the pre-existing condition
- Any prescription medication or any kind of routine checkup or maintenance work that is associated with the condition, will not be covered
- The visitors medical insurance coverage for acute onset of pre-existing condition varies with the age
- It is available to its maximum limit up to the age of 65 or 70 after which it reduces in some plans and is excluded in others
Understanding Pre-Existing Conditions
- Most people are not very clear about the meaning of the pre-existing condition
- It is a health condition that the person has already been diagnosed with before the insurance becomes effective
- Insurance companies use "look back" period for determining if the condition is pre-existing or not
- American Visitors Insurance website provides an excellent quote compare facility to buy health insurance for people with pre existing conditions with the required input in the form and view the available plans for the input provided
- This makes it easier to filter the visitor insurance for parents according to the information in the quote form
- The age, preferred start and end date during which the plan will be effective, preferred policy maximum, preferred deductible, citizenship and destination are the details required in this form
- Getting quote for best medical insurance for parents with pre existing conditions on this input will show a summary page which consists of the available plans for the entered information along with their price information for the given duration
- Changing the deductible value or the policy maximum option will result in a premium price change accordingly
- The equation between the deductible and the premium price is inversely proportional
- Lower the deductible, higher the premium price
Some of the most popular visitors insurance with the coverage for pre-existing condition would be:
For people up to the age of 65: Almost all the comprehensive and fixed benefit plans cover pre-existing condition up to this age. Patriot America Plus, Travel Medical plans, Atlas Travel plan, Atlas Premium America plan, Safe Travels USA Comprehensive plan are some of the popular comprehensive plans that cover pre-existing condition.
For people above 65: Atlas America and Atlas Premium America are the plans that cover pre-existing up to age 80. Safe Travels USA Comprehensive cover up to the age of 89.
Please note that any existing condition that is considered chronic is excluded from coverage. It is recommended to purchase comprehensive travel medical insurance plans as opposed to a Fixed benefit insurance plan due to it's limited coverage.
💰 What Is the Cost of Travel Insurance for Seniors Visiting the USA?
The cost of travel insurance for seniors starts at around $30 per month, based on a 50-year-old traveler choosing a plan with $25,000 coverage and $0 deductible. Actual costs may vary depending on the
- Traveler’s age
- Insurance provider
- Type of plan
- Coverage limits
and whether the plan includes coverage for pre-existing conditions.
How Much Does the Cheapest Travel Insurance for Senior Citizens Cost?
Affordable travel insurance for seniors visiting USA starts at $30 per month for fixed benefit plans. The cost is based on quotes for one month with $0 deductible.
| Plan Name | Policy maximum | Age 50 | Age 60 | Age 70 | Age 80 | Age 90 |
|---|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $30 - $85 | $39 - $102 | $60 - $166 | $165 - $593 | Not available |
| Venbrook Essential | $25,000 - $150,000 | $37 - $108 | $49 - $124 | $68 - $147 ? | $315 ? | $315 ? |
| Safe Travels Elite | $25,000 - $175,000 | $37 - $114 | $50 - $134 | $109 - $155 | $283 - $553 | $315 ? |
| Vistors Care | $25,000 - $100,000 | $39 - $85 | $51 - $92 | $69 - $153 | $151 ? | $151 ? |
| VisitorSecure | $50,000 - $130,000 | $61 - $108 | $72 - $94 | $96 - $139 ? | $221 ? | $221 ? |
Source: American Visitor Insurance ®
How Much Does Comprehensive Visitor Insurance for Seniors Cost?
The best visitor health insurance for seniors visiting USA starts at $127 per month for comprehensive insurance plans. The cost is based on quotes for one month with $250 deductible.
| Plan Name | Policy maximum | Age 50 | Age 60 | Age 70 | Age 80 | Age 90 |
|---|---|---|---|---|---|---|
| Visitors Preferred | $50,000 - $1,000,000 | $127 - $239 | $148 - $301 | $253 ? | $746 ? | $746 ? |
| Venbrook Premier | $25,000 - $150,000 | $129 - $237 | $176 - $346 | $352 - $437 ? | $775 ? | $775 ? |
| Patriot America Plus | $50,000 - $1,000,000 | $128 - $243 | $164 - $311 | $289 - $434 ? | $790 ? | $790 ? |
| Atlas America | $50,000 - $2,000,000 | $131 - $261 | $177 - $378 | $355 - $444 ? | $528 ? | $528 ? |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $148 - $278 | $172 - $351 | $294 - $470 ? | $1015 ? | Not Available |
| Diplomat America | $50,000 - $1,000,000 | $182 - $313 | $229 - $301 | $353 ? | $746 ? | $746 ? |
| SafeVista Protect | $50,000 - $1,000,000 | $158 - $225 | $215 - $248 ? | $320 ? | $789 ? | $789 ? |
| Travel Medical Choice | $50,000 - $1,000,000 | $192 - $344 | $275 - $514 | $493 - $668 ? | $814 ? | $814 ? |
Source: American Visitor Insurance ®
How Much Does 6 Month Insurance For Elderly Travelers To USA Cost?
For a 60 year old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, depending on the coverage amount, deductible, and whether the plan includes acute onset of pre-existing condition coverage. On American Visitor Insurance, seniors can easily compare and buy the best 6 month USA travel insurance that is affordable, reliable and allows the older travelers stress free. From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
Which Is the Cheapest Travel Insurance for Parents Visiting USA?
Safe Travels Advantage from Trawick International is one of the most affordable travel insurance options for parents Visiting the USA.
Other affordable health insurance for elderly visitors includes:
- Venbrook Essential from Venbrook International
- Visitors Care from IMG
Safe Travels Advantage
Trawick International
$39 per monthAge: 60 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible option $0
- Coverage from 5 - 364 days
- Covers acute onset of pre-existing conditions related to Cardiac Conditions or Stroke
Venbrook Essential
Venbrook International
$49 per monthAge: 60 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible options $0
- Coverage from 5 days - 12 months
- Covers acute onset of pre-existing conditions coverage up to policy maximum
- Policy maximum limits ranges from $25,000 to $100,000
- Deductible options $0 to $100
- Coverage from 5 days - 2 years
- Covers acute onset of pre-existing conditions coverage
What is the Best Travel Insurance for Parents Visiting USA?
The best visitor insurance for parents visiting USA from India are comprehensive plans and offer coverage for pre-existing conditions. Given that parents are buying visitor insurance not for small ailments but rather for more serious situations involving hospitalization, comprehensive visitors insurance for parents from India is recommended especially while traveling to the US.
- Atlas America from Worldtrips: This policy offers a policy maximum of up to $1,000,000 for people up to the age of 65 after which only $50,000 and $100,000 are the options available up to age 79. 80+ travelers are offered $10,000 as policy maximum. Acute onset of preexisting condition is available up to the age of 79.
- Patriot America Platinum from IMG: This plan offers a policy maximum of up to $8,000,000. Offers coverage for US and Non US citizens traveling to the US.Acute onset of preexisting condition is available up to the age of 70.
- Safe Travels USA Comprehensive from Trawick International: Plan offers coverage for Non US residents traveling to USA or USA and then other countries up to $1,000,000 up to 80 and after 80, $20,000 is the policy maximum option available. Acute onset of preexisting condition is available up to the age of 89.
- Patriot America Plus from IMG: This plan offers a policy maximum of up to $1,000,000 up to the age of 70 and is available for both US and Non US citizens living abroad and visiting the US.Acute onset of preexisting condition is available up to the age of 70.
- Travel Medical Choice from Seven Corners: Plan offers a policy maximum of up to $1,000,000 and is available for Non US residents traveling to the US. Acute onset of preexisting condition is available up to the age of 79.
- INF Elite X Insurance from INF: This plan is ideal for parent visiting USA or Canada. Offers medical maximum coverage up to $300,000. Covers Full pre-existing conditions up to 99 years. Minimum enrolment for this plan is 90 days.
Which Visitor Insurance Covers Emergency Cardiac Issues for Parents Visiting the USA?
My parents are visiting the USA soon, and I'm looking for visitor insurance that can cover heart or cardiac issues in case of an emergency. Are there any affordable fixed plans that offer this kind of coverage?
Thank you,
Joe
Thank you for contacting American Visitor Insurance with your inquiry!
For visitors to the USA, there are a few fixed benefit plans that include emergency cardiac coverage, which can be very useful for older travelers or parents with a history of heart problems.
One option is the Venbrook Essential Insurance, which covers the acute onset of pre-existing conditions but excludes chronic or congenital disorders. It is one of the few fixed plans that offers coverage of up to $15,000 for emergency cardiac issues.
Venbrook Essential Insurance
Another good option is the Safe Travels Elite Insurance Fixed plan from Trawick International, which also includes cardiac or stroke coverage-up to$25,000 or $15,000 depending on the traveler's age. It covers COVID-19 like any other illness and can be purchased even if your parents are already in the U.S.
Both plans are affordable options if your main concern is having some coverage for heart-related emergencies during your parents' visit.
Safe Travels Elite Insurance
Please let us know in case of any questions.
Sincerely,www.americanvisitorinsurance.com
Customer care
(877) 340 7910
What Are the Benefits of Best Travel Insurance for Pre-Existing Conditions in the USA?
- It provides financial protection for medical expenses related to an acute onset of a pre-existing condition required during your trip.
- Covers emergency services that includes hospitalization and surgery.
- Emergency medical evacuation that covers the cost of transportation services and help you to reach the nearest hospital for medical facility.
- Some visitors insurance for pre existing conditions in USA provide access to PPO networks which in itself reduces the medical bill.
How Much Does the Best Pre-Existing Conditions Insurance for Parents Cost?
| Plan name | Acute onset age limit | Plan maximum limit | Deductible | Age 65 | Age 75 |
|---|---|---|---|---|---|
| Safe Travels Advantage | Up to 89 yearsopen_in_new | $25,000 - $150,000 | $0 | $38 - $98 | $59 - $160 |
| Visitors care | Up to 70 yearsopen_in_new | $25,000 - $100,000 | $100 | $38 - $73 | Not Available |
| Venbrook Essential | Up to 70 yearsopen_in_new | $25,000 - $100,000 | $0 | $47 - 120 | Not Available |
| Safe Travels Elite | Up to 89 yearsopen_in_new | $25,000 - $175,000 | $0 | $48 - 129 | $105 - $150 |
| VisitorSecure | Up to 70 yearsopen_in_new | $50,000 - $100,000 | $100 | $53 - $73 | Not Available |
Source: American Visitor Insurance®
| Plan name | Acute onset age limit | Plan maximum limit | Age 65 | Age 75 |
|---|---|---|---|---|
| Visitors Preferred | Up to 70 yearsopen_in_new | $50,000 - $100,000 | $164 - 210 | Not Available |
| Patriot America Plus | Up to 70 yearsopen_in_new | $50,000 - $1,000,000 | $167 - 358 | Not Available |
| Venbrook Premier | Up to 70 yearsopen_in_new | $50,000 - $250,000 | $205 - $340 | Not Available |
| Safe Travels USA Comprehensive | Up to 89 yearsopen_in_new | $50,000 - $100,000 | $191 - $245 | $285 - $455 |
| Atlas America | Up to 79 yearsopen_in_new | $50,000 - $100,000 | $200 - $250 | $344 - $429 |
| Travel Medical Choice | Up to 79 yearsopen_in_new | $50,000 - $1,000,000 | $329 - $613 | $736 - $1,000 |
| Visit USA superior | Up to 80 yearsopen_in_new | $100,000 | $336 | $404 |
| Patriot America platinum | Up to 70 yearsopen_in_new | $1,000,000 | $408 | Not Available |
Source: American Visitor Insurance®
Health Insurance for Visitors to USA With Pre-Existing Conditions
Review US visitor insurance plan benefits.
❓How Much Travel Insurance Do Parents Need for Visiting USA?
When parents travel to the United States, medical costs can be very expensive. Choosing the right travel insurance for parents visiting USA ensures financial protection against emergencies, hospital stays, and unexpected healthcare needs. Explore best coverage options, recommended limits, and tips to safeguard their trip.
👉 Read more about how much travel insurance parents need for visiting USA? »Explore Visitors Protect for Safe, Worry-Free Travel for Parents and Older Family Members
The best travel insurance for parents with pre-existing conditions is Visitors Protect. This plan covers pre-existing conditions up to age 99 and offers a pre-existing condition benefit with an in-network maximum limit of $25,000 for travelers up to age 69. For travelers aged 70 and older, the out-of-network pre-existing condition benefit is limited to $20,000 with a $1,500 deductible. The minimum required purchase period for the Visitors Protect plan is 90 days, making it a reliable option for parents and senior visitors traveling to the USA.
What Are the Factors That Determine the Cost of Best Insurance for Indian Parents Visiting the USA With Pre-Existing Conditions?
When choosing the best insurance for visiting parents with chronic illnesses in the US, several factors influence the cost of the plan:
The visitors medical insurance cost increases with the age the traveler. Insurance plans for parents above 65 would be more expensive than the younger travelers, with pre-existing conditions.
Comprehensive travel insurance offers exhaustive coverage with higher medical limits are more expensive than fixed benefit travel insurance that are more affordable.
Plans with higher coverage limits (e.g., $50,000, $100,000, or $1,000,000) will generally cost more. while higher deductibles lower it — but with more out-of-pocket costs before coverage starts.
The US has expensive healthcare costs in the world, so insurance plans for travel to the US are generally more expensive than those covering other countries like Canada or Europe.
The cost of the trip insurance directly depends upon the length of travel.
Plans that cover acute onset of pre-existing conditions or offer full pre-existing condition coverage (like INF Insurance plans) are usually cost higher.
How Much Does Travel Insurance Cost for Parents With Pre-Existing Conditions?
| Plan Name | Coverage type | Age limit | Min purchase period | Highlights |
|---|---|---|---|---|
| Safe Travels Elite | Acute onset | Up to 89 yearsopen_in_new | Up to 90 days | Includes acute onset and chronic issues coverage |
| Visitors Protect | Pre-existing | Up to 99 yearsopen_in_new | Up to 90 days | Ideal plan for seniors with pre-existing conditions |
| Safe Travels USA Comprehensive | Acute onset | Up to 89 yearsopen_in_new | Up to 5 days | Popular and affordable plan |
| Patriot America Plus | Acute onset | Up to 70 yearsopen_in_new | Up to 5 days | Ideal for short visits & for green card holders |
| Atlas America | Acute onset | Up to 79 yearsopen_in_new | Up to 5 days | No chronic condition coverage |
| Venbrook Premier | Acute onset | Up to 70 yearsopen_in_new | Up to 5 days | Covers sudden diabetic events as acute onset under certain conditions |
| Travel Medical Choice | Acute onset | Up to 79 yearsopen_in_new | Up to 5 days | Covers cardiac condition under pre-existing condition |
Source: American Visitor Insurance®
How Do Fixed Benefit and Comprehensive Visitor Insurance Plans Offer Coverage for Parents With Pre-Existing Conditions?
Comprehensive vs fixed benefit visitor medical insurance for elderly parents with health issues.
| Feature | Fixed Benefit visitors insurance | Comprehensive visitors insurance |
| Cost | Affordable | More Expensive |
| Coverage | Fixed amount per benefit limited or coverage under certain conditions | Benefits for covered medical expenses up to the plan maximum |
| Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | Some plans offer coverage, while some others offer coverage only for acute onset of pre-existing conditions |
| Recommended for | Younger travelers | Travelers with pre-existing medical ailments |
What Are the Factors to Look for When Buying the Best Travel Insurance for Parents With Pre-Existing Conditions?
When choosing a visitor health insurance plans covering pre-existing conditions for seniors, it’s essential to be aware of the important factors such as:
- Age restrictions: Most of the visitors insurance plans limit coverage for elderly travelers. Check the maximum eligible age for pre-existing condition coverage, as some plans offer limited benefits after 70, 80, or 89 years.
- Pre-Existing Conditions coverage limits: Check the maximum medical coverage provided particularly for the acute onset coverage. There are plans that cover up to the policy maximum and others that have a limit of $20,000 to $40,000 depending on the age of the traveler.
- Definition of ‘Acute Onset’: Read carefully how the insurance company defines “acute onset of a pre-existing condition”. This means a sudden, unexpected recurrence requiring immediate treatment. Chronic condition flare-ups that are not sudden or unexpected may not be covered.
- Exclusions and Waiting periods: Review what not covered under the plan. Some plans do not cover routine checkups, prescription refills, or ongoing treatments for known conditions. Some may also have waiting periods before coverage begins.
- Emergency Medical Evacuation and Repatriation: Look if the plan includes emergency evacuation to the nearest medical facility if needed and repatriation of remains in case of death. These are significant benefits for elderly travelers, particularly for those with health risks.
- Renewability: Check if the policy offers the flexibility to be extended if the trip is longer than planned or if you require ongoing medical care.
What Is the Look Back Period for Pre-Existing Conditions in Travel Insurance?
The look-back period in visitors medical insurance is considered as an important factor in determining eligibility for coverage. It is the timeframe before the policy’s start date during which the insurer reviews your medical history to determine conditions that may be considered as pre-existing. Chronic conditions like diabetes, heart disease, high blood pressure, pregnancy, and cancer are usually considered as pre-existing conditions, even if they occur outside the look back period. These conditions require ongoing care, indicating they existed before the policy's effective date. Usually the look back period ranges between 60 to 180 days to 1 to 3 years depending upon on the plan or the insurance provider. If a medical condition is treated or the symptoms is identified in that timeframe then it is considered as a pre-existing medical conditions.
Best Medical Insurance for Parents With Pre-Existing Conditions Online
1: Finding the available US travel insurance plans
Complete the travel insurance to America quote form with details of the traveler and insurance requirements.
2: Compare the different travel insurance options
Compare prices and benefits of the different travel insurance for visitors in us to find what fits your needs best.
3: Buy the travel insurance that you like best
Buy the insurance for travelers to usa that fits your needs and budget best by completing the online application.
4: Review visit usa insurance documents received by email
Review the medical insurance for visitors to usa documents for coverage details and contact numbers
Which Pre-Existing Conditions Are Covered by US Travel Insurance?
Should I Buy Travel Insurance From India or the US?
Travel insurance from the USA is the best option for Indian parents visiting the US due to these key advantages:
- US-based insurers are highly regulated, offering reliable protection for travelers.
- US plans integrate seamlessly with local healthcare providers, reducing out-of-pocket costs and allowing for direct billing.
- US doctors and hospitals are more likely to accept insurance from US-based companies, ensuring better access to care.
- 24/7 emergency assistance aligned with US time zones.
- US insurance plans provide comprehensive coverage, including for the acute onset of pre-existing conditions, ideal for visitors.
- Allows for easy renewals and extensions, ensuring continuous coverage for longer stays.
Buying travel insurance from India might have limited coverage, lack of regulations, and difficulties in navigating medical care and filing claims in the USA.
1. Will travel insurance for parents from India to USA cover everything?
Travel insurance for parents from India to USA vary widely, and while they provide coverage for many situations. It is therefore important to compare plans on American Visitor Insurance to understand what the travel insurance plan covers. Health insurance for parents with pre existing diseases to USA from India typically include a set of benefits, exclusions, and limitations, and it's essential to carefully read the policy terms and conditions to understand what is covered and what is not.
Common Inclusions in travel insurance from India to USA for Senior citizens:
- Medical Expenses: Coverage for medical expenses incurred due to illness or injury during the trip.
- Travel Delay: Reimbursement for additional expenses incurred due to travel delays.
- Lost or Delayed Baggage: Coverage for lost, stolen, or delayed baggage and personal belongings.
- Emergency Medical Evacuation: Coverage for the cost of emergency evacuation to the nearest adequate medical facility.
Common Exclusions in the best medical insurance for visitors to USA from India:
- High-Risk Activities: Some policies may not cover injuries or incidents related to high-risk activities such as extreme sports or certain adventure activities.
- War and Terrorism: Acts of war or terrorism may be excluded from coverage in some policies.
- Intentional Acts: Injuries or damages resulting from intentional or reckless behavior may not be covered.
- Losses Due to Alcohol or Drug Use: Incidents related to the use of alcohol or illegal drugs may not be covered.
Best Cashless Travel Insurance for Indian Parents to the USA
When you're traveling to USA from India, dealing with a sudden medical emergency is traumatic enough. Having Cashless US travel insurance will help you settle these issues without worrying about paying huge bills upfront. With a cashless US visitor insurance, the insurance company will directly settle the eligible medical expenses with the hospital and you can just focus on getting well while not worrying about the finances. Find the most reliable, affordable, and widely accepted cashless insurance for travel to USA, so that you can travel smart and worry-free.
What Pre-Existing Conditions Are Not Covered Under Visitor Health Insurance?
Even if some visitors insurance covering acute onset of pre-existing conditions for parents there are few 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)
Parents Visiting USA Insurance With Pre-Existing Conditions FAQs
1. What is a pre-existing condition for travel health insurance?
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. Know more.
2. Are there any medical tests required to buy pre existing visitor insurance?
No, there are no medical tests required for purchasing visitor travel insurance to USA with pre existing conditions.
3. Which are the best insurance for parents visiting USA that cover Pre - Existing conditions?
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for acute onset of pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our insurance for parents visiting USA option.
4. Why should I get visitor medical insurance with coverage for pre-existing medical conditions?
Many people, although healthy and able to travel, particularly older travelers take medications for certain medical conditions. While these conditions can be called "normal" for a person of their age, not all people have these conditions and they will be classified as "pre-existing" by an insurance company.
If you do NOT have coverage for it, then the policy will pay $0 for any incident of it, emergency or not. The coverage you can get is limited to "acute onset" of a pre-existing condition which can cover an unexpected life-threatening emergency of the condition which would then give you as complete coverage as you could get for your travels or visitor. This is why we offer some options with this coverage for nearly all ages of travelers. For more information, go here.
5. Does visitor medical insurance include prescription drugs for elderly parents?
Prescription drugs are normally covered only when prescribed during a covered illness or emergency while in the US. Routine, chronic maintenance medication or fill-in prescriptions of pre-existing drugs from home is usually not covered.
6. Are there any age limits for pre-existing condition visitor insurance for parents traveling to the US?
Yes, Most of the visitor insurance plans offer acute onset of pre-existing up to the age of 69 to 70 years with limited coverage, some plans like Visitors protect, INF Premier X, INF Elite X insurance plans offers full pre-existing conditions up to the age of 99 years with higher premiums.
7. Do any US visitor insurance plans cover pre-existing conditions?
There are many health insurance for us visitors for international travel. However, many USA travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a pre-existing conditions, as well as specifying a limit to this coverage.
Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for an acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. This typically includes emergency medical treatment, hospitalization and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite X insurance which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.
8. 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.
Visitor Insurance With Pre-Existing Conditions Reviews
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