🌍 IMG Travel Insurance for Pre-Existing Conditions
When selecting visitor medical insurance for international travel, plans that offer coverage for pre-existing conditions are often very important. IMG travel insurance provides several travel insurance options that include benefits for the acute onset of pre-existing conditions, giving travelers reliable protection if an existing medical issue unexpectedly worsens while abroad. These IMG visitor insurance plans are ideal for parents, senior travelers, and visitors who need strong medical coverage during their stay.
✈️ IMG Travel Insurance With Pre-Existing Conditions
The best travel insurance for pre existing conditions is Visitors Protect. Other top options include Patriot America Plus and Patriot America Platinum, while the cheapest travel insurance with pre existing conditions coverage is Visitors Care insurance.
Visitors Protect Insurance
The IMG Visitors Protect insurance is one of the best travel insurance with pre-existing conditions, offering broad medical coverage including pre-existing conditions for travelers up to 99 years. It is ideal for seniors and visitors needing reliable protection during their stay in the United States, Canada and Mexico.
Pre-Existing Coverage Details:- Covers both new and pre-existing medical conditions (beyond acute onset) up to the chosen policy maximum.
- Provides pre-existing condition coverage up to $25,000 for travelers aged 69 and below, and up to $20,000 for travelers aged 70 and above, with a deductible of up to $1,500.
- Includes inpatient and outpatient treatment related to pre-existing illnesses within plan limits.
- Available for travelers up to 99 years old, a rare feature among visitor plans.
- Policy maximum options range from $50,000 to $150,000, depending on the coverage level selected.
- Minimum Purchase should be 90 days.
- Visitors Protect travel insurance for seniors with pre existing conditions coverage cost for a 40-year-old traveler starts from $765 for 3 months, based on a coverage maximum of $50,000 with a $250 deductible.
Patriot America Plus Visitor Insurance
The IMG Patriot America Plus plan is one of the best health insurance for visitors to usa with pre existing conditions, especially for travelers up to 70 years of age. It includes strong protection for the acute onset of pre-existing conditions, making it a top choice for parents, senior visitors, and long-stay travelers who need dependable medical coverage during their trip to the United States.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $50,000 to $1,000,000.
- Patriot America Plus visitor insurance with pre-existing conditions coverage costs for a 40-year-old traveler start from $74 per month, based on a coverage maximum of $50,000 with a $250 deductible.
Patriot America Platinum Visitor Insurance
The IMG Patriot America Platinum plan is a top-tier travel medical insurance option for non-U.S. citizens visiting the United States. Along with its high medical coverage limits of up to $8,000,000, it provides strong protection for the acute onset of pre-existing conditions for travelers up to 70 years old. This makes it an excellent choice for visitors who want premium, first-class benefits and superior medical protection during their stay in the U.S.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $1,000,000 to $8,000,000.
- Patriot America Platinum health insurance for non us citizens with pre existing conditions coverage cost for a 40-year-old traveler starts from $141 per month, based on a coverage maximum of $8,000,000 with a $0 deductible.
Patriot International Lite Travel Insurance
The IMG Patriot International Lite plan is one of the best international travel insurance for pre-existing conditions. It offers a balance of affordability and meaningful protection, especially for travelers under 70.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $50,000 to $1,000,000.
- Patriot International Lite pre existing condition travel insurance cost for a 40-year-old traveler starts from $54 per month, based on a coverage maximum of $50,000 with a $250 deductible.
Visitor Care Travel Insurance
IMG Visitors Care is one of the cheapest travel health insurance for visitors to usa with pre-existing conditions. It includes essential protection for the acute onset of pre-existing conditions for travelers up to 70 years of age, making it a popular choice for budget-conscious visitors who still want reliable medical coverage.
Pre-Existing Coverage Details:- Includes coverage for the acute onset of pre-existing conditions up to the plan’s maximum limit for travelers under 70 years of age.
- Applies only if the condition suddenly worsens without prior symptoms before the trip.
- Provides limited benefit amounts for each covered service, as per the schedule of benefits.
- Emergency medical evacuation for acute onset is covered up to $25,000.
- Visitor Care policy maximum options ranging from $25,000 to $100,000.
- Visitors Care health insurance for visitors to usa with pre existing conditions coverage cost for a 40-year-old traveler starts from $27 per month, based on a coverage maximum of $25,000 with a $0 deductible.
Patriot International Platinum Travel Insurance
The IMG Patriot International Platinum plan is one of the best international travel insurance with pre-existing conditions, offering first-class worldwide protection for travelers outside their home country. With benefit limits up to $8,000,000 and strong coverage for the acute onset of pre-existing conditions, it is ideal for frequent international travelers who want premium, top-tier medical protection on global trips including travel to or beyond the United States.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $1,000,000 to $8,000,000.
- Patriot International Platinum travel insurance for pre existing conditions cost for a 40-year-old traveler starts from $104 per month, based on a coverage maximum of $1,000,000 with a $250 deductible.
🎓 IMG International Student Health Insurance With Pre-Existing Conditions
The best international student insurance with pre-existing condition coverage are Student Health Advantage Platinum and Student Journey Platinum, as they offer strong benefits and comprehensive protection for students studying in the U.S. or abroad.
For budget-friendly options, the cheapest student insurance plans pre-existing condition coverage are Student Journey Lite and Patriot Exchange Insurance, making them ideal for students looking for affordable coverage while still receiving protection for the acute onset of pre-existing conditions.
1. Student Journey Lite Insurance
IMG’s Student Journey Lite is the cheapest international student medical insurance for non-U.S. students on J1, F1, and M1 visas, meeting both visa and most university requirements. It also covers pre-existing conditions after a 6-month waiting period, making it an affordable option with essential protection.
The IMG Student Journey Lite affordable student insurance cost for a 20 years old student starts from $30 per month ($360 per year). You can buy the a yearly basis
2. Student Journey Plus Insurance
IMG’s Student Journey Plus is an affordable international student medical insurance plan designed for non-U.S. students on J1, F1, and M1 visas, offering stronger benefits than the Lite version while still meeting visa and most university requirements. It also provides pre-existing condition coverage after a 6-month waiting period, making it a budget-friendly plan with enhanced protection.
The IMG Student Journey Plus student insurance cost for a 20 years old student starts from $48 per month ($576 per year). You can buy the a yearly basis.
3. Student Journey Platinum Insurance
IMG’s Student Journey Platinum is a top-tier international student medical insurance plan for non-U.S. students on J1, F1, and M1 visas, offering high benefit limits and premium-level protection. It includes pre-existing condition coverage after a 6-month waiting period, making it one of the best choices for students who want comprehensive and reliable coverage while studying in the USA.
The IMG Student Journey Platinum international student health insurance cost for a 20 years old student starts from $74 per month ($888 per year). Student Journey insurance can buy in the a yearly basis.
4. Patriot Exchange Insurance
IMG’s Patriot Exchange is an affordable medical insurance plan for J1 visa students, scholars, and exchange visitors, offering essential coverage that meets U.S. Department of State requirements. The plan includes limited pre-existing condition benefits, which become available after 12 months of continuous coverage. Once eligible, it provides $500 per period of coverage with a $1,500 lifetime maximum, while any charges related to pre-existing conditions that existed within 36 months before the effective date remain excluded until the full 12-month waiting period is met.
The Patriot Exchange student insuarnce cost for a 20 years old student starts from $48 per month ($675 per year). You can buy the plan either on a monthly or a yearly basis.
5. Student Health Advantage Insurance
Student Health Advantage is available in two levels: Standard and Platinum. The Standard plan offers a policy maximum of $500,000 and includes pre-existing condition coverage after a 12-month waiting period. The Platinum plan provides enhanced benefits with a $1,000,000 maximum and covers pre-existing conditions after a shorter 6-month waiting period, making it ideal for students who want stronger and faster protection.
The IMG Student Health Advantage Platinum best insurance for international students in usa cost for a 20 years old student starts from $370 per month ($4,447 per year). Student Health Advantage insurance can be purchased on a monthly or yearly basis..
🌐 IMG Global Medical Insurance With Pre-Existing Conditions Coverage
The IMG Global Medical plans offer different levels of pre-existing condition coverage across their tiers. The Bronze plan does not provide coverage for known disclosed, non-disclosed, or unknown pre-existing conditions. The Silver and Gold plans both cover known disclosed conditions the same as any new illness or injury unless excluded by a rider, do not cover non-disclosed conditions, and cover unknown conditions up to $5,000 per period of coverage and $50,000 lifetime after 24 months of continuous coverage. The Platinum plan offers the most comprehensive protection, covering known disclosed, non-disclosed, and unknown pre-existing conditions as long as they are disclosed and not excluded by a rider.
📅 IMG Annual Travel Insurance With Pre-Existing Medical Conditions
Patriot Multi-Trip is one of the best annual travel insurance plans with pre-existing condition coverage, offering protection for the Sudden and Unexpected Recurrence of a Pre-Existing Condition with benefits up to $5,000 per insured person per coverage period (not per trip) for U.S. citizens.
🧳 IMG Trip Insurance With Pre-Existing Conditions
The best IMG trip insurance for pre-existing condition coverage is iTravelInsured Travel LX, while the most affordable option with a pre-existing condition waiver is iTravelInsured Travel Choice.
iTravelInsured Travel LX- The Itravelinsured Lx is the best travel insurance for pre-existing condition waiver, which provides the waiver if purchased within 24 hours of your final trip payment and includes the highest trip cancellation benefits, premium coverage limits, and optional CFAR.
- ITravelinsured LX Insurance cost for 40 year old traveler starts from $140 for 15 days trip duration with trip cost of $1,500.
- iTravelInsured Travel SE offers a pre-existing condition waiver if purchased within 21 days of your initial trip deposit, making it a strong mid-range option with solid trip cancellation and travel protection benefits.
- ITravelinsured SE Insurance cost for 40 year old traveler starts from $79 for 15 days trip duration with trip cost of $1,500.
- iTravelInsured Travel Choice also provides a pre-existing condition waiver when purchased within 21 days of your initial trip deposit, making it one of the cheapest trip cancellation insurance options with pre-existing condition coverage while still offering essential protection for cost-conscious travelers.
- ITravelinsured Choice Insurance cost for 40 year old traveler starts from $63 for 15 days trip duration with trip cost of $1,500.
💼 Group Health Insurance Coverage for Pre-Existing Conditions
Patriot Plus Group, Patriot Platinum group and Patriot Lite group plans offers acute on set of pre-existing conditions up to 70 years.
💰 How Much Does IMG Pre-Existing Travel Insurance Cost Per Month?
The best IMG travel insurance for pre-existing conditions insurance cost is ranges between $21 to $177 for a month. The cost depends on the age of the visitor, medical maximum coverage and deductible, visitors coverage type (Fixed vs comprehensive coverage), and any visitors insurance coverage for pre-existing conditions.. For an average traveler, there are cheap travel insurance plans at less than a dollar a day.
The average cost of IMG pre-exisitng plans cost is based on quotes for a 40-year-old for one month.
| Plan Name | Maximum | Deductible | Cost |
|---|---|---|---|
| Visitors Care | $25,000 | $100 | $21 |
| Patriot International Lite | $50,000 | $250 | $55 |
| Patriot America Plus | $50,000 | $250 | $78 |
| Patriot Platinum International | $2,000,000 | $116 | $116 |
| Patriot Platinum america | $2,000,000 | $250 | $177 |
Visitors Protect insurance plan cost is $499 for 3 months. This plan minimum purchase is 90 days.
If you’re researching pre-existing condition insurance
See why Visitors Protect is a top-rated option for visitors to the USA.
⭐ IMG Travel Insurance Reviews
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❓IMG Pre-Existing Conditions Travel Insurance FAQ’s
1. Which is the best travel insurance for pre-existing conditions for visitors to the USA?
Top options for travelers include Patriot America Plus, Patriot America Platinum and Visitors Care all excellent choices for travel insurance that covers pre-existing medical conditions, offering strong acute onset benefits and reliable coverage for seniors.
2. Can I buy coverage for pre existing conditions if my trip is already booked?
Yes . with the iTravelinsured LX plan, you can still get a waiver for pre existing conditions if you purchase the policy within 24 hours of your final trip payment (or before the final payment). This makes LX a flexible option, but you must act quickly. Also, at the time of purchase, you must be medically able to travel to qualify for the waiver.
3. Which is best international travel insurance with pre-existing conditions?
The Patriot International and Patriot International Platinum plans from IMG are highly recommended. Both plans offer coverage for the acute onset of pre-existing conditions while traveling internationally.
4. What is the difference between Patriot International and Patriot International Platinum?
- Patriot International Lite: Offers solid coverage, including medical emergencies and acute onset pre-existing conditions, with coverage limits up to $1,000,000.
- Patriot International Platinum: Provides higher coverage limits, up to $8,000,000, flexible deductibles, and additional services like Travel Intelligence. It is ideal for travelers who want maximum protection.
5. Which travel insurance policies cover pre-existing medical conditions?
- Patriot America Plus – covers acute onset of pre-existing conditions for travelers under 70.
- Patriot America Platinum – higher limits and acute onset coverage for travelers under 70.
- Patriot International / Patriot International Platinum – for international travel, supporting acute onset coverage.
- Visitors Care (Lite / Plus / Platinum) – visitor-specific plans covering acute onset under certain conditions.
- Visitors Protect – offers broader coverage, including conditions that gradually develop or worsen over time.
6. Is there a plan that covers ongoing pre existing medical conditions (not just acute onset)?
- Yes. The Visitors Protect plan from IMG provides coverage for pre existing conditions that "gradually develop or worsen over time" (like chronic illnesses such as diabetes or high blood pressure).
- But note: the coverage is limited there’s a maximum pay out limit depending on age.
7. Are there age limits for pre-existing condition coverage?
Yes. For most acute onset coverage plans (Patriot America Plus, Patriot Platinum, Visitors Care), the insured must be under 70 years old. Visitors Protect pre existing condition travel insurance may allow coverage up to age 99, but limits vary.
8. Does IMG visitors insurance cover ongoing or chronic pre-existing conditions?
Yes. Visitors Protect is designed for broader pre-existing condition coverage, including stable chronic illnesses like diabetes or high blood pressure, subject to benefit limits.
9. Which plan is best for travelers with pre-existing conditions?
- For maximum coverage and international travel: Patriot International Lite or Patriot International Platinum.
- For U.S. visitors on a budget: Patriot America Plus or Lite/plus.
- For broader chronic condition coverage: Visitors Protect.
10. Can I buy coverage if my trip is already booked?
Some plans require early purchase to qualify for pre-existing condition coverage. For example, iTravelinsured LX allows coverage if purchased within 24 hours of final trip payment.
11. Are there age limits for pre-existing condition coverage?
Yes. For most acute onset coverage plans (Patriot America Plus, Patriot Platinum, Visitors Care), the insured must be under 70 years old. Visitors Protect may allow coverage up to age 99, but limits vary.
12. Does IMG cover ongoing or chronic pre-existing conditions?
Yes. Visitors Protect is designed for broader pre-existing condition coverage, including stable chronic illnesses like diabetes or high blood pressure, subject to benefit limits.
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🚫 What are the Restrictions of IMG Travel Insurance?
IMG travel health insurance is not offering coverage for residents of Belarus, Russia, Iran or Ukraine and travelers visiting Belarus, Russia, Iran or Ukraine.
