Travel insurance for pre existing conditions

Compare and buy pre-existing health insurance

Traveler's age
No. of dependent under 18
5. Citizenship
6. Countries where coverage is required
USA only ALL nations including USA ALL nations excluding USA
6. Mailing & permanent address
7. How long has the traveler been in USA?
Coverage preference

Covid-19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. At America visitor insurance travelers can get visitors insurance for Covid -19 illness. We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage. Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
Pre-existing condition visitor insurance

Pre-existing conditions

Many savvy travelers are looking for coverage for what are called "Pre-existing conditions". I call them savvy simply because many policies specifically exclude pre-existing conditions from ANY coverage. So, if you have a visitor with some condition that you are concerned about, it will be worth your time and peace of mind to check policies that will cover these conditions. Fortunately for our customers, companies are competing heavily in this market and there are several new options and factors to consider while buying insurance.

First of all, let me define pre-existing conditions. Each company uses a slightly different definition, but basically a pre-existing condition is a medical condition which a person has been diagnosed with, is being treated for, or has before the start date of the policy (with reasonable medical certainly). Note that the definition does not mean you have to have a diagnosis for the condition, nor do you even need to know you have the condition when you purchase the policy. It should also be noted that some conditions are specifically excluded from any coverage. These are usually congenital disorders, HIV infection, cancer, and often some chronic conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition. Conditions should be well taken care of (not in need of continued treatment) and then sudden, unexpected emergency situations MAY be covered. Note that persons applying for coverage will not be required to show any medical documentation of health and/or medical conditions. When an issue arises, the insurance company will rely on the doctor's diagnosis and information provided by the insured (medications taken, etc).

Safe travels USA comprehensive is a great comprehensive plan which offers coverage for sudden and acute onset of pre-existing conditions. Patients aged up to 69 years are covered up to the maximum policy per policy period for any coverage except cardiac conditions which are covered only up to $25,000. For persons 70 and over, the maximum coverage which can be purchased is only $50,000 with coverage for pre-existing conditions up to $25,000 with only $15,000 for cardiac conditions. Review Safe travels USA comprehensive brochure for more details and buy online.

Another excellent option is found in the Atlas America/International plan (Atlas America is for travel to the US and the Atlas International plan is for travel anywhere else). They cover acute onset of pre-existing conditions. These plans offer limited benefit up to the medical coverage maximum and excludes chronic and congenital conditions. The coverage for pre-existing conditions is available for individuals under 80 years of age. This is a very economical option, particularly if you are traveling outside the USA. You can get free quotes for Atlas Plans and/or to purchase the plan and view the Atlas Travel brochure for more details.

Atlas premium is the latest version of the comprehensive plan provided by the Tokio marine HCC. This plan also provides all the benefits that are available with the Atlas America and apart from that has some unique benefits. This plan provides higher benefits for political evacuation, repatriation, trip delay, trip interruption and emergency reunion compared to the Atlas America plan.

Another excellent option is the Patriot Platinum plan which can be purchased at high maximums ($8 million for persons below 70 years, $100k for persons over 70 years) or the sister policy Patriot America Plus. Patriot America Plus offers coverage for Non US citizens as usual, reasonable and customary charges. US citizens with primary health plans are covered to the policy maximum purchased and those without primary care plans are covered up to $20,000 only. After age 65, both US and non-US citizens are covered only up to $2,500 for any pre-existing condition. You can review the quotes and Buy Patriot Platinum or buy Patriot America Plus plans. To view the details of the plans at Patriot Platinum brochure, Patriot America Plus brochure.

A much more economical option comes in the Inbound USA Basic plan which covers any pre-existing condition up to the maximum of the plan you purchase one time with benefit limits as listed for the plan. As a fixed plan, it only covers set amounts per each medical expense (see brochure for details). Please note that the coverage for pre-existing conditions is only extended to persons under 79 years old. Get a quote or buy Inbound USA. You can look at a Inbound USA Basic brochure for more details.

One of the best options for coverage of pre-existing conditions for US citizens can be found in the Liaison Series plans, specifically the Liaison Elite option which, for people under 65 years with a primary health plan, will cover them up to the medical maximum for a pre-existing condition. Without a primary health plan, there is up to $50,000 limit to coverage which is the same as the Liaison Choice plan for travel outside the US. US residents get only $25,000 in this coverage in the Liaison Basic plan. Non-US residents traveling to the US can get $15,000 coverage in the economy plan, $30,000 from the Choice plan and $50,000 in the Elite plan if they are under 70 years old. If they are over 70, the amounts are $2,500 for economy plan, $5,000 Choice plan and $10,000 Elite plan respectively for each plan.

The most limited plan is with the very popular and economic Visitor's Care plan. This plan offers acute on set of pre-existing coverage up to the plan maximum under 70 years. This plan is only available to non-US citizens. Despite the limitation, it does offer some coverage for all ages. Buy or get a free quote for Visitors Care. View the Visitors Care brochure for detail information.

INF Premier plan: This is a Fixed benefit plan providing policy maximum options of $150,000 and $100,000 for the age of 0-69 and $100,000 for the age range of 70-99. This is a full pre existing coverage plan where the coverage includes doctor appointments, blood tests, special care, urgent care which would not be covered under “acute onset” coverage plans. The coverage for pre existing condition can range anywhere between $20,000/$30,000/$40,000/$60,000 for age range of 0-69 depending n the policy maximum selected and the pre existing deductible selected. The pre existing deductible options are $1000 and $5000. For the age range of 70-99, the coverage could be $25,000/15,000 depending on the chosen pre existing deductible.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

INF Elite plan: This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above. This plan has policy maximum options of $150,000 for people in the age range of 0-69 and $75,000 for people in the age range of 70-99. This is a full pre-existing coverage plan and covers doctor appointments, blood tests, special care, urgent care and any other treatment needed for a condition that was stable before travel, but started becoming an issue during the visitor’s trip. The pre-existing coverage maximum is available for $25,000 for 0-69 age range and $20,000 for age range of 70-99 with a pre existing deductible of $1500. This plan needs to be purchased for 3 months minimum.The Elite Network plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

You can look at all plans which offer some coverage for pre-existing conditions. See below for a summary table of the coverage options I have outlined above.

Policy Name Non-US Citizen US Citizens Restrictions
Safe travels USA comprehensive Up to medical maximum (persons up to 69 years) or $25,000 (70+ yrs) Not Available For cardiac disease up to $25,000 (person up to 69 years) or $15,000 (person 70+ years)
Liaison Basic Acute Onset of a Pre-existing Condition up to $15,000 for age 0-69; $2,500 for age 70+ Waiver of Pre-existing Condition up to $25,000 for age 0-69; $5,000 for age 70+ Emergency services & Assistance limit $25,000
Atlas America Up to $100,000 Not Available Under 70 yrs
Atlas International Up to $100,000 Up to $100,000 Under 70 yrs
Patriot Platinum $50,000 With primary care up to maximum of plan Under 65 yrs
Patriot America Plus Usual, reasonable and customary charges Up to maximum Above 70 yrs
Inbound USA As any other illness Not Available Fixed policy; only for travel to USA
Liaison Elite Acute Onset of a Pre-existing Condition up to $50,000 for age 0-69; $10,000 for age 70+ With primary care plan to medical maximum; Without primary care plan up to $50,000 for age 0-69; $2,500 for age 70+ Emergency services & Assistance limit $25,000
Visitor's Care $5,000 (persons up to age 70) or $2,500 (70+ yrs) Not Available -
INF Premier plan Under age 70: covers up to $20,000/$30,000/$40,000/$60,000 with deductible $1,000/$5,000
Age 70 to 99: covers up to $15,000/$25,000 with deductible $1,000/$5,000.
INF Elite plan Under age 70: covers up to $25,000 with deductible $1,500.
Age 70 to 99: covers up to $20,000 with deductible $1,500.

Best travel insurance with pre existing conditions for visitors to USA

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 with pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?
The Full travel insurance with 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..
Note: **Both the Premier plan and Elite plan have a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

Find out more about travel insurance with pre existing medical conditions for visitors

Frequently asked questions?

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. Click here read more.
No , there are no medical tests required for purchasing visitor travel insurance to usa with 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 compare tool option.
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.
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