INF visitors insurance for pre-existing conditions coverage in USA
Answer these questions to find the best insurance plan for your needs (International travelers, students, all US visa’s and Schengen visa).
International travelers should look for reliable travel insurance plans that provide adequate coverage while they are outside their home country. People in the age range of 50 - 99 are also often looking for coverage for pre-existing medical conditions. Many US insurance companies provide visitor travel health insurance plans for short term travel outside one’s home country. These plans can offer coverage for pre-existing conditions with caveats. The main caveat is that plans cover only acute onset of pre-existing conditions. So, what is an “acute onset” of a pre-existing condition as opposed to a worsening of a current medical condition? That is a very good question and one that will be critical to whether your “acute onset” coverage is going to pay for your situation or not. So, let’s define terms to get a clearer understanding of this idea. “Acute” means that the condition came on suddenly and needed to be taken care of quickly. Most companies use 24 hours as a gauge. So, if something is taking weeks to come on, it may not be covered. Also, the condition must be life or life-style (affecting vision, hearing, ability to walk, etc) altering situation. Finally, the condition generally has to have been stable before the trip started; never travel against your doctor’s recommendation and be sure there have been no changes in your medications or treatments for some time. How do you determine if something is “pre-existing” or not. Policies have what is called a “look back” period. Anything that happened farther back in time from the look back period with no further complication or complaint is no longer considered a pre-existing condition. So, if you had a broken angle 10 years ago, most policy look back periods are only 3 to 5 years, so this is no longer considered a pre-existing condition. In the unlikely event that you were to have an issue with that angle, it would be considered a “new” illness even if the problem stems possibly from your fracture 10 years ago.
INF Insurance offers visitors health insurance for coronavirus in the US, Canada and Mexico. INF insurance covers covid-19 as any other illness. One of their plans (Elite) has excellent coverage of pre-existing medical conditions beyond the usual coverage for "acute onset" of pre-existing conditions which is a unique offering. You can compare their plans using this link and purchase the one you are interested in by choosing the "buy now" button for the appropriate plan: Please note that the Elite Network insurance
and Premier Insurance
are cheaper per month if you purchase at least 90 days the first time you buy them. You can compare all available INF US visitor insurance
Do call us with questions or concerns you may have.