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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)
BuyIMG
Patriot America Plus Insurance
  • 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
BuyIMG
Visitors Protect Insurance
  • 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
Buyworldtrips
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.
Coverage: $50,000 - $2,000,000 ?
Price range: $110 - $230
Buy now
Buytrawick
Safe Travel USA Comprehensive Insurance
  • 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
Buytrawick
Safe Travel USA Insurance
  • 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
Buytrawick
Safe Travel USA Cost Saver Insurance
  • 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
Buyseven 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 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
Buyseven 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 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
Buyglobal
Diplomat America Insurance
  • 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
BuyINF
INF Elite Insurance
  • 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
BuyINF
INF Elite Plus Insurance
  • 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
BuyINF
INF Elite 90 Insurance
  • 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
BuyTravel 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)
Coverage: $50,000 - $250,000 ?
Price range: $50 - $190
Buy now
Buyworldtrips
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.
Coverage: $50,000 - $130,000 ?
Price range: $40 - $80
Buy now
BuyINF
INF Premier Insurance
  • 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
Buytrawick-international
Safe Travels Elite Insurance
  • 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.

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Popular US Pre-existing insurance providers

WorldTrips

WorldTrips
IMG

IMG
Seven Corners

Seven Corners
Trawick International

Trawick International
inf

INF

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