INF visitor insurance and Pre-Existing condition coverage
When planning international travel, one of the biggest concerns for visitors especially seniors between ages 50 to 99 is finding reliable travel health insurance that covers pre-existing medical conditions. While many US visitor insurance plans provide coverage for new illnesses and unexpected injuries, protection for pre-existing conditions is often limited. At American Visitor Insurance, you can easily compare plans and buy the one that best suits your travel and health needs.
Most insurance companies provide coverage only for the acute onset of a pre-existing condition, not for routine maintenance or the predictable worsening of a known condition. Understanding the difference is critical before purchasing a plan.
What does “Acute Onset” of a Pre-existing condition mean?
- Sudden and unexpected: The condition must appear suddenly and require immediate medical attention
- Time-sensitive: Most insurers define “acute” as developing within 24 hours of the first symptoms.
- Serious impact: The event must be life-threatening or life-altering (affecting mobility, vision, hearing, etc.).
- Stable before travel: The condition must have been stable before your trip — no recent changes in medication, treatment, or doctor’s warnings against travel.
Note : If a condition develops gradually over days or weeks, or if it’s part of ongoing treatment, it usually will not be covered under “acute onset” benefits.
What is considered a Pre-Existing condition?
Insurance companies define this using a look-back period (typically 3–5 years). Any medical issue diagnosed, treated, or showing symptoms within this period is considered “pre-existing.”
Example: If you broke your ankle 10 years ago and haven’t had issues since, it is not pre-existing under most plans.
Example: If you had heart surgery two years ago, that will count as a pre-existing condition during the look-back period
Why choose INF visitor insurance?
Unlike many standard visitor insurance policies, INF Visitor Insurance plans (such as INF Elite, Elite 90, and Elite Plus) are specially designed to provide comprehensive coverage for pre-existing conditions, including acute onset benefits. These plans, available through American Visitor Insurance, are especially popular among older travelers visiting the USA, Canada, or Mexico because they combine higher policy maximums with access to the trusted UnitedHealth care PPO network.
If you are traveling to the USA with pre-existing health conditions, INF Visitor Insurance is one of the most reliable choices. Be sure to review what qualifies as an acute onset event, check the policy’s look-back period, and select the plan that best fits your age and health needs.
INF visitor health insurance with Pre-existing condition
International travelers visiting the USA, Canada, or Mexico often face one big challenge when purchasing visitor insurance finding reliable coverage for pre-existing medical conditions. Most traditional visitor insurance plans only cover the acute onset of pre-existing conditions, which limits protection to emergencies and life-threatening situations.
This is where INF Visitor Insurance stands out. INF offers unique visitor health insurance plans that go beyond standard “acute onset” coverage by also providing full pre-existing condition coverage — a rare benefit, especially for older travelers ages 70–99.
Types of Pre-Existing condition coverage with INF
INF provides two levels of protection for pre-existing conditions:
- Acute Onset Coverage :
- Covers sudden and unexpected flare-ups of pre-existing conditions
- Typically applies only in life-threatening or lifestyle-threatening emergencies requiring hospitalization
- Full Pre-Existing Condition Coverage (available in INF Elite plans) :
- Goes beyond emergencies and covers new issues related to pre-existing conditions, such as lab tests, doctor visits, or new prescriptions
- Helpful for situations like infections, pain, or complications that need treatment before they escalate.
- 90-day look-back period: As long as your treatments or medications have remained stable for 90 days, new complications may be covered
Why INF visitor insurance is different?
- Coverage for Older Travelers: Many plans reduce or drop pre-existing coverage after age 70. INF Elite continues offering coverage with policy maximums up to age 99
- Covid Coverage: INF plans include COVID-19 treatment coverage as a new illness.
- Affordable Options: Plans like INF Elite and Premier are more budget-friendly if purchased for at least 90 days initially
- Trusted Network: Access to the UnitedHealth care PPO network ensures quality care across the USA.
- Comparison : Travelers can easily compare INF plans through American Visitor Insurance and choose the one best suited to their needs
What full Pre-existing coverage does not include ?
Even with full coverage, some exclusions apply. These include:
- Regular medications or ongoing treatments (e.g., weekly dialysis)
- Travel for the purpose of receiving medical treatment
- Complications from planned treatments or procedures
- Childbirth for existing pregnancies
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What is the best travel insurance for Pre-Existing conditions?
Compare and buy the best coverage from the most reputable insurance companies for pre-existing conditions.
INF Travel Insurance - Pre-existing Questions
1. Is there any pre-existing exclusions for INF plans?
Yes. There are six main exclusions (applies to all the INF plans) Cancer Dialysis Cataract / Vision sickness Mental Illness (depression / anxiety) Preventive / Maintenance care (except for INF Elite Plus and INF Premier Plus) Sleep Apnoea.
2. Can a Green Card holder buy INF plans?
Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:
- Latest I -94
- Health attestation form
- Any prior health insurance information (if applicable)
The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.
Note: Hop Travel Assist plans are not available if visitors are already in abroad
4. Can I purchase INF travel medical insurance if I already have pre-existing conditions?
Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90 plans that travel insurance with pre existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.
5. What is INF travel medical insurance for pre-existing conditions?
INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.
The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.
INF offers best health insurance for visitors to USA with pre-existing conditions, including the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.
6. What is the INF insurance cost for visitors to the United States?
The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.
7. What are the different types of INF insurance for visitors to the USA?
The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan.
8. What is the difference between the three INF Elite insurance plans?
The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.
The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.
9. How do I apply for INF insurance?
You can apply for INF insurance online through American Visitor Insurance. You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.
10. What is the maximum length of coverage in INF insurance?
The maximum length of coverage for INF insurance is 364 days.
11. For which countries can I buy INF visitor insurance?
INF insurance is available for international visitors to the United States, Canada or Mexico.
12. What are the requirements for applying for INF insurance?
The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.
13. What is the eligibility to buy INF insurance?
To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.
14. What is the minimum requirement to buy INF Elite and Premier plans?
There is a minimum purchase of 90 days required to buy these INF Elite plans.
15. What is the advantage of having the United Healthcare PPO in visitors insurance offered by INF?
The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).
For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.
16. Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?
The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'pre-existing conditions'.
17. Does INF travel insurance really offer coverage for all preexisting conditions?
In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90 best travel insurance for pre existing conditions
Compare the best travel insurance for full pre-existing conditions plans Compare INF Full pre-existing conditions.
Note: **INF Premier, Elite, Elite Plus , Premier Plus and Elite 90 plans have a minimum purchase should be 90 days.
18. 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.
19. Is Asthma covered in INF travel insurance?
Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
20. Do I need to declare mild asthma for travel insurance?
No.
21. 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.
22. Do I have to declare rheumatoid arthritis on travel insurance?
No.
23. Does INF travel insurance covers arthritis?
Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
24. 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.
25. 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.
26. Do we have to declare pre diabetes on travel insurance?
No.
27. 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.
28. 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.