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Best US Travel Insurance for acute onset of pre-existing conditions

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US travel insurance for acute onset of pre-existing ailments

As we try to understand about acute onset of pre existing condition,it is crucial to know how the insurance industry works with this feature. Let us first see what pre existing condition and acute onset of pre existing condition is:
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
  1. A person with blood pressure has not been taking recommended dosage of medication regularly, or has messed up with the routine, and has been experiencing discomfort for sometime already before the situation manifests into a sudden recurrence.
  2. A person who has had a heart attack takes part in some kind of adventure sports which is not advised and has developed sudden recurrence.
  3. If the person has had no health complaints all along and has been experiencing some pain in back may not be covered as acute onset of pre existing condition.
  4. Any kind of preventive care or routine check up for the pre existing condition also does not come under coverage for acute onset of pre existing condition.
travel Health insurance

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.
  1. Elite plan offered by INF also has a $75,000 maximum but only covers pre-existing conditions up to $20,000.The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
  2. Premier Plan offered by INF also has policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
  3. Elite Plus plan covers Preventive & maintenance care and coverage for full body physicals. 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 of $75,000 maximum but only covers pre-existing conditions up to $20,000 for the age range of 70-99.Coverage for TDAP, Flu, etc Vaccines.Covers 90% of eligible medical expenses,There is a minimum purchase of 90 days required to buy this plan.
  4. Elite 90 plan covers 90% of eligible medical expenses. This plan has of $75,000 maximum but only covers pre-existing conditions up to $20,000 for the age range of 70-99.There is a minimum purchase of 90 days required to buy this plan.

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.

What does visitor travel insurance cover?

medical expensesHealth care expenses
Covers hospital expenses for sickness or accidents.
doctor visitDoctor visit
Insures Doctor visits for sudden injury or sickness.
pharmacy drugsPharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
medical evacuation Medical evacuation
Medical evacuation expenses to nearest facility included.
repatriation of remains Repat of remains
Repatriation of remains to home country included.

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INF Travel Insurance - Pre-existing Questions

Is Asthma a pre-existing condition for INF travel insurance?

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.

Is Asthma covered in INF travel insurance?

Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.

Do I need to declare mild asthma for travel insurance?

No.

Is Arthritis a pre-existing condition for travel insurance?

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.

Do I have to declare rheumatoid arthritis on travel insurance?

No.

Does INF travel insurance covers arthritis?

Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.

Is Diabetes considered pre-existing condition?

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.

Is diabetes covered under INF travel insurance?

Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.

Do we have to declare pre diabetes on travel insurance?

No.

Does INF travel insurance cover heart attacks?

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.

Which INF travel insurance covers heart conditions?

Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.

Different types of travel health insurance in USA

Fixed Benefit travel health insurance
A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits. Fixed benefit plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.
Comprehensive travel health insurance
Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive travel insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Steps to buy
US pre-existing condition travel health insurance online

 Step 1: Finding US travel insurance plans

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.

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Find out more about Pre-existing condition visitors insurance

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 to 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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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.


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