In health insurance parlance a pre-existing condition is a health ailment that already exists whether or not it has been diagnosed and being treated for before the customer purchases health insurance plan. A pre-existing condition could be any condition as common as and as serious as heart disease, high blood pressure, cancer, type 2 diabetes and asthma. These are some chronic disorders that affect large part of the population. One of the rules, as per the Affordable Care Act (popularly known as Obamacare for students) that got signed into law in March 2010, is the elimination of the pre-existing condition requirements imposed by health plans.
Insurers use "look back" period or 'Exclusion Period' or 'Waiting Period' to determine if the condition is considered pre-existing or not. The "look back" period or the "Exclusion Period' varies from one state to another depending on the policy and the concerned state insurance regulations and can range from 6 to 18 months.
For Instance: Mary a 48 year old woman is already diagnosed with Type 2 Diabetes. She is looking for a J1 visa health insurance plan as she is a visiting J1 scholar planning to join a University in US. The plan that she finally decides to buy has a 6 month waiting period or exclusion period by which she will not be covered by the insurance for any claims that occur in the first immediate 6 months of the effective start date of the insurance plan for her diabetes related expense. After the first 6 months of the policy effective date, she will be covered for any of the claims made for any treatment related to her diabetes condition.
At American Visitor Insurance, we have several student insurance for pre-existing conditions that are suitable for students and scholars. These plans meet the University requirements and the J1 Visa requirements and are very popular. Have a look at our international student insurance we have health insurance for international students that covers acute onset of pre existing conditions where we have listed the popular student plans with their benefits and prices.
Click on a selected plan to get more details about the plan. We have included many details in our new page mentioned above such as student group insurance plans for anyone interested in making a purchase for a group of students. We also have a quote form where you can get an instant quote for your criteria.
In our international student health insurance compare tool you can enter your information and view the plan prices and relevant benefit details. American Visitor Insurance has also developed an excellent compare student health insurance USA tool which helps international students find and buy the best student insurance with Covid coverage of their choice.
Covers doctor visits in case of sudden injury or sickness.
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Some plans cover high school sports activities.
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Repatriation of remains expenses to home country in case of death.
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Expenses from sudden dental pain and accidental dental injuries.
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Some plans offer coverage for pregnancy, maternity and new born.
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Student insurance who need coverage for existing medical ailments.
Know more »It's important to compare different international students insurance plans on American Visitor insurance to find one that offers the best coverage at a cost you're comfortable with. Some plans, like those that cover the "acute onset" of pre-existing conditions, can be more affordable and still provide protection in emergencies.
| Plan name | Medical Maximum | Deductible | Pre existing coverage | Cost* |
|---|---|---|---|---|
| Student Secure Smart | $200,000 | $0 | Acute on set of pre-existing conditions up to $25,000 | $32 |
| Patriot Exchange Program | $50,000 | $500 | Covers after 6 months of waiting period | $47 |
| Student Secure Budget | $500,000 | $0 | Covers after 12 months of waiting period | $53 |
| Student Secure Select | $1,000,000 | $0 | Covers after 6 months of waiting period | $106 |
| Student health advantage Standard | $500,000 | $250 | Covers after 12 months of waiting period | $118 |
| Student Secure Elite | $5,000,000 | $0 | Covers after 6 months of waiting period | $181 |
| Student health advantage platinum | $1,000,000 | $100 | Covers after 6 months of waiting period | $353 |
* The cost of medical insurance for an international student per month aged 20 years studying in USA.
Review student insurance plan benefits.
"After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance website and the customer representatives were really patient and helpful in guiding me with the best plan that suits me."
"We want to appreciate the fine service provided by your friendly employees from the NJ office, in helping us navigate insurance plans and successfully purchase plans for my parents. They are extremely courteous, patient, efficient and knowledgeable"
"Your customer service provided me with perfect service and helped me very much to find policy I needed (for J2 visa). She was very polite and answered all my questions. I'm fully satisfied with the service. Thank you very much!"
Following are the international student medical insurance with pre existing conditions coverage:
Popular international student health insurance pre-existing condition coverage.
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or United HealthCare 
Policy maximum?
$50,000 to $5,000,000
Deductible options?
$0 to $500
Period of coverage?
1 month up to 12 months
Policy maximum?
$500,000
Deductible options?
$250
Period of coverage?
30 days to 12 months
Policy maximum?
$1,000,000
Deductible options?
$0
Period of coverage?
30 days to 364 days
or United HealthCare Policy maximum?
$500,000
Deductible options?
$250
Period of coverage?
1 month up to 12 months
Policy maximum?
$1,000,000
Deductible options?
$0
Period of coverage?
30 days to 364 days
or United HealthCare Policy maximum?
$1,000,000
Deductible options?
$100
Period of coverage?
1 month up to 12 months
International students may need medical evacuation and repatriation insurance to meet visa or school requirements.
The most important types of insurance plans that a student need to have are:
They should also consider buying the following if applicable to their needs.
Student travel insurance is an international travel insurance when the student travels abroad. This insurance will provide various benefits for the student which are requested by the University abroad in which the student is admitted for higher studies.
The international student travel insurance plan covers all the requirements of the students Here are some of the things that they cover:
Pre-existing conditions refers to a health condition or medical condition that was and has been in the individual before obtaining the insurance coverage.
The exact definition and scope of pre-existing conditions can vary depending on the insurance provider and the specific policy. Here are some characterizations of pre existing conditions:
Some of the student travel insurance plans provide coverage for pre-existing conditions. There are some plans that do not cover pre-existing conditions and most of them have waiting periods to cover this benefit. There are few more situations where this coverage will be addresses as mentioned here:
Waiting period is the time period during which the benefits related to pre-existing conditions may not be covered. After the waiting period the coverage for pre-existing conditions will begin. Some plans have short waiting periods as few weeks while some have waiting periods of 6 months to one year.
Some of the popular Student insurance plans and their waiting periods to cover pre existing conditions:
A pre-existing condition refers to any illness, injury, or medical condition that you had before buying your student health insurance. These pre-existing ailments can range from chronic diseases like diabetes or asthma to previous injuries or surgeries.
It is important to compare coverage on the compare tool in American Visitor Insurance and carefully review the policy documentation and talk to the licensed insurance agents on American Visitor Insurance to inquire about pre-existing condition coverage. It is important to pay attention to the policy's terms and conditions, exclusions, and limitations related to pre-existing conditions.
If your current plan does not cover pre-existing conditions, you can explore other insurance options on American Visitor Insurance that provide such coverage. Some student medical insurance plans offer coverage for pre-existing conditions after a waiting period. It is important and useful to compare different student insurance plans on American Visitor Insurance to find one that suits your needs.
Student insurance plans that offer coverage for pre-existing conditions may have higher premiums to make it viable to pay for this increased benefits. The exact premium cost will however depend on various factors, including the pre-existing condition and the insurance provider's pricing structure.. It is most useful to compare different student insurance plans on American Visitor Insurance to find one that suits your needs.
It is crucial to be honest and transparent when providing information about pre-existing conditions during the insurance application process. Intentionally withholding information or providing false details may result in claim denials or even policy cancellations.
Some student insurance plans impose waiting periods before coverage for pre-existing conditions becomes effective. During this waiting period, the insurance provider will not cover any medical expenses related to the pre-existing ailment. Waiting periods can vary, and it's essential to understand the specific terms outlined in your student insurance policy.
If your student insurance policy has a waiting period for pre-existing conditions, you will not receive coverage for treatments related to those conditions until the waiting period has expired. During this time, you may have to cover the expenses out of pocket.
Yes, the Affordable Care Act (ACA), or Obamacare, requires health insurance companies to cover pre-existing medical conditions.
Most international student health insurance plans seem similar on first impressions. However, while they have many benefits in common and the premium is also similar, different student insurance plans do have some additional benefits or perhaps some specific constraints. In order to choose the best plan based on the students requirements and to get sufficient coverage from the international student insurance plan, it is important to compare different features available in the student health insurance plan.
The following are important factors for comparing student health insurance plans:Policy Maximum: This is the maximum amount on the insurance plan which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an extreme emergency as per the policy guidelines and conditions mentioned in the policy.
Deductible: The deductible options can range anywhere from $50 up to $5000 between the plans. A larger deductible means lower premium price and vice versa. Picking a large deductible thus low premium by choosing a comprehensive plan is usually recommended, as most of the comprehensive plans have an one time deductible and is cost effective.
Pre existing condition coverage: This is very important benefit factor as many customers need this benefit. The student plans have a minimum 6 month waiting period for coverage of pre-existing conditions.
Coverage for mental illness and drug abuse: This coverage is required by most of the universities.
Cancellation and Renewability: Each plan have their unique cancellation and renew-ability policies. It is important to pay attention to it if there is any ambiguity while booking insurance initially.
Sports and other unique activities: Some of the plans provide coverage for intercollegiate and interscholastic sports...
Based on these factors, American Visitor Insurance provides an excellent compare student medical insurance facility where getting quotes as per student's requirements. Once the required information is entered in the form, a summary of popular student insurance plans are displayed which can be compared.
Complete the student insurance quotes request form by providing details of the student and insurance requirements.
Compare the price and the benefits of the different travel insurance 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.
The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.
The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.
The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.
Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.
Compare and buy best US Single trip insurance for travel within the US and overseas
Know more »Compare Single trip vs multi trip insurance plans offered by US insurers.
Know more »Student health insurance for top US colleges and universities.
Compare Patriot Exchange student insurance quotes »Customer queries and answers about medical insurance.
Click here to read more »Blogs about buying student health Insurance.
Click here to read more »Commonly asked questions about student travel insurance.
Click here to read more »International students studying abroad, along with their education get an opportunity to experience a new culture, see different parts of the world and meet new people with varied backgrounds. We work with all reputed US insurance providers to offer excellent F1 student health insurance.
American Visitor Insurance has a compare F1 visa student travel insurance tool along with article's and FAQ's with to help students fine the best health insurance for F1 students. The compare foreign student insurance tool displays the cost and coverage details of students medical insurance that satisfy f1 visa health insurance requirements. Students can easily find cheap health insurance for international students by comparing both cost and other F1 visa student insurance coverage benefits.
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