| Pre existing condition | Acute onset of pre existing condition |
|---|---|
Pre pre-existing condition is a health condition or a health issue that has been existing in the individual, before the individual has purchased or enrolled in a health insurance plan. This means it has existed at the time of application for the insurance plan or immediately for a certain period of time preceding the application of the individual for a travel health insurance plan. Pre-existing condition coverage is definitely an important feature that is part of any travel health insurance plan. Travel health Insurance plans normally exclude coverage for pre-existing conditions. |
This is a sudden recurrence of a pre existing condition( please read the definition of pre existing condition above) without any forewarning, which needs immediate medical attention. However, it is in the hands of the doctor/provider to decide whether the incident can be considered as an acute onset of pre existing condition. |
Most of the commonly diagnosed pre existing conditions are heart related, blood pressure, diabetes, thyroid, arthritis, kidney related... People above the age of 70 are very sure to have some of the health problems listed above in today's world. It is very rare to know a person above 70 not having any health issues and doing fine with their health |
Examples of Sudden recurrence of the medical condition
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Most Travel health insurance plans offer maximum coverage for acute onset of pre existing condition up to the age of 70. Both the fixed and comprehensive plans offer coverage for people under 70. (please see here to know the difference between fixed and comprehensive travel insurance plans).
Extended comprehensive travel insurance coverage for acute onset of pre-existing conditions for travelers above 70 years.
Atlas Travel plan is one of the excellent comprehensive plan that offers worldwide coverage and offers a very good coverage for people above 70 up to age of 80 for acute onset of pre existing conditions. A policy maximum of $150,000 is available for people of this age group which is great.
Atlas Premium America is another version of this plan which is a bit more expensive but worthy enough to buy for acute onset of pre existing coverage.
Safe Travels USA Comprehensive is another comprehensive plan that offers cover for above 70 up to the age of 89. A policy maximum of $50,000 is available with this plan for people above age 65.
Patriot America Plus Insurance offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA.
Visitors Protect from IMG Insurance offers comprehensive medical insurance forinternational visitors traveling from their home country to the U.S., Canada, and Mexico.Covers pre existing conditions for ages 70 and above it covers up to $20,000 with deductible $1,500.
There are two INF plans that offer coverage for pre-existing conditions.More Best travel insurance for acute onset of pre existing conditions are available here for all age groups. The other plans cover acute onset of pre existing condition above the age of 70 but the benefit is available only for an amount of $2,500. Again these are comprehensive plans. Only few fixed plans offer coverage for acute onset of pre existing conditions above the age of 70.
Visitors Care plan from IMG. This plan provides an amount of $2500 for heart attack and stroke for people above the age of 70.
Safe Travels Elite from Trawick International. Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
ACA does not allow the insurance companies to deny the coverage for pre existing condition. But it is important to know that this is applicable only to the domestic health care of the US which is eligible only for US permanent residents and US citizens.
On the other hand, the Best travel insurance for acute onset of pre existing conditions discussed above do not comply with the ACA and there is no need for that, as they cover NON US citizens coming to the US and US citizens traveling outside of the US.
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If the Asthma condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
No.
If the Arthritis condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
No.
Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
If the Diabetes has been stable for 12 months (no change in Medication / sickness related to diabetes), it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.
No.
Yes- INF travel insurance for USA will cover a heart attack either as a new sickness or pre-existing condition, depending on how stable to insured’s condition was in the past 12 months.
Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.
Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.
Compare the price and the benefits of the different pre-existing condition health insurance for USA options to identify what fits your needs best.
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.
Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Click here to read more ».
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.
Insurance Coverage for older travelers with Pre-existing Conditions
Click here to read more »Best of the Best Coverage for Pre-existing Medical Conditions
Click here to read more »Get quote for visitor medical insurance with pre-existing coverage.
Read More »Popular pre-existing conditions for visitors to the USA plans which have coverage for pre-existing conditions.
Read More »Compare pre-existing conditions insurance plans for US visitors and buy the best plan.
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Choose visitors medical insurance with pre existing conditions for travel emergency while outside your home country.
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Important factors to consider while deciding on the best vvisitors medical insurance with pre existing conditions.
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Understanding different types of Pre-Existing Conditions Insurance Plans for US Visitors, fixed benefits vs comprehensive coverage.
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Visitors insurance covering pre-existing conditions claims process for getting medical care in a hospital.
Explore »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.
Covid travel insurance - Know more
