Travel medical insurance resources
Choose international travel insurance resources for travel outside your home country.
Visitor Medical Insurance plans that are a priority for international travel are the ones that provide coverage for pre-existing conditions. International Medical Group offers IMG insurance pre existing conditions that have coverage for acute onset of pre-existing conditions.
We can see how the plans that International Medical Group (IMG) offers plans that have coverage for acute onset of pre-existing conditions.
Visitors Protect: Visitors Protect Insurance offers coverage for international visitors traveling from their home country to the U.S., Canada, and Mexico.
This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible of $1,500.
Coverage for medical expenses, evacuation, and repatriation.
conditions. This benefit is available in this plan only up to age of 70 years. Patriot America Plus plan has all the benefits of the Patriot America plan including this benefit. This plan is renewable for 2 years. It is popular among the Non US visitors coming to the US.
Patriot International Lite: Patriot International Lite Insurance offers travelers insurance cover outside their home country whose destination excludes the United States and its territories.
For US citizens: IMG travel insurance offers coverage for acute onset of pre-existing conditions up to the plan maximum for travelers aged up to 65 years and $2,500 for travellers aged over 65 years.
For Non US citizens: IMG travel insurance offers coverage of the maximum limit or $500,000 whichever is less to travelers up to the age of 70 years. IMG travel insurance also offers a coverage of $25,000 up to the age 65 years for expenses involved in emergency medical evacuation arising from acute onset of pre-existing conditions.
Patriot Platinum: It covers Sudden and Unexpected Recurrence of a Pre-existing Condition – For US Citizens: Up to age 65 with primary health plan covered up to plan maximum. Up to age 65 without primary health plan up to $20,000 lifetime maximum. 65 years and above with or without primary health plan up to $2,500 lifetime maximum.
For Non US Citizens: Up to age 65 - $50,000 lifetime maximum for eligible expenses. Age 65 years and above - $2,500 lifetime maximum.
The important feature of this plan that is unique to this plan is, the higher policy maximum option of up to $8,000,000.
The following two plans are student insurance plans from IMG with pre- existing conditions are concerned. Please review the eligibility criteria to buy student insurance plans:
Student Health Advantage: This plan has 2 types namely Standard and Platinum. The Standard plan is available with a policy maximum limit of $300,000 and the Platinum with a $500,000. The Standard plan has a waiting period of 12 months to cover the pre-existing conditions and the Platinum plan has 6 months waiting period to cover the pre-existing conditions.
Patriot Exchange: The sudden recurrence of a pre-existing condition coverage is available only for US citizens. Here the eligible medical expenses are covered up to $5,000 lifetime maximum and the emergency medical evacuation is covered up to $25,000 lifetime maximum.
The pre-existing conditions are covered after the sudden recurrence benefit is exhausted. For conditions existing within 36 months before effective date, charges are excluded until after 12 months of coverage, and is covered for $500 maximum per period of coverage and $50,000 lifetime maximum.
With IMG Global Plans, pre-existing conditions coverage is available for $50,000 lifetime maximum with $5000 per period of coverage after 24 months, except for the Bronze plan which excludes pre-existing condition coverage and the Platinum plan which covers it as any other illness.
Covers hospital expenses for sickness or accidents.
Insures Doctor visits for sudden injury or sickness.
Doctor prescribed eligible pharmacy drugs expenses.
Some plans insure acute onset of pre-existing conditions coverage.
Medical evacuation expenses to nearest facility included.
Repatriation of remains to home country included.
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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 .
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 »
Insurance Coverage for older travelers with Pre-existing ConditionsRead more »
Best of the Best Coverage for Pre-existing Medical ConditionsRead more »
Travelling in groups? Get coverage from IMG Patriot Group travel insurance!.Know more »
Need coverage for the IMG acute onset of pre-existing conditions insurance?Know more »
It is best suited for travelers expecting first-class medical coverage..Know more »
Visitors Care Insurance is an affordable fixed benefit insurance plan.Know more »
Here are some travel insurance tips for travelers with pre-existing conditions:
The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions
Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.
There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.
At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.
The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.
Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage for pre-existing conditions.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).
A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.
Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.
Choose international travel insurance resources for travel outside your home country.
Important factors to consider while deciding on the best travel medical insurance.
Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.
Travel medical insurance online claims process for getting medical care in a hospital.
IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
Patriot International Lite insurance satisfies Schengen visa requirements and offers visa letter. It is popular for travel outside USA and covers acute onset of pre-existing conditions.Click here to read more »
IMG Travel medical insurance coverage for older travelers visiting USA. Get free quotes for senior citizens visitor medical insurance traveling outside their home country.Click here to read more »
Visitors Care insurance is a very affordable fixed benefit travel medical insurance. It is cheap and serves the need of budget conscious Non US citizens international travelers.Click here to read more »
Compare IMG Patriot travel insurance for specific benefit limits for different medical expenses like Pre-existing conditions, emergency evacuation, hospital room and board etc.Click here to read more »
Travelling in groups? Get coverage from IMG Patriot Group travel insurance!.Compare quotes »
Need coverage for the IMG acute onset of pre-existing conditions insurance?Compare quotes »
It is best suited for travelers expecting first-class medical coverage..Compare quotes »
Provides coverage for for foreign residents as visitors to the USA.Compare quotes »