Student insurance for pre-existing conditions

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International student health insurance pre-existing conditions

Student Health Insurance with Pre-existing coverage

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.

Here at American Visitor Insurance, we have several student plans 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 also have health insurance that covers pre existing conditions and improvised web page here where we have also listed the popular student plans with their price information.

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 Covid19 student medical insurance tool which helps international students find and buy the best student insurance with Covid19 coverage of their choice.

Key Highlights of Visitors Care

International health insurance for students

What does international student health insurance cover?

Doctor Visit

Covers doctor visits in case of sudden injury or sickness.

Sports Activities

Some plans cover high school sports activities.

Health care expenses

Hospital medical expenses for sickness or accidents during coverage.

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.

Maternity Coverage

Some plans offer coverage for pregnancy, maternity and new born.

Repat of remains

Repatriation of remains expenses to home country in case of death.

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Many international health insurance for students studying abroad have coverage for pre-existing conditions

The student health insurance plans offer coverage with waiting period.

Following are the international student medical insurance with pre existing conditions coverage:

Pre-existing condition coverage

Popular international student health insurance pre-existing condition coverage

Student health insurance for pre-existing conditions - FAQ's

01. What type of insurance can a student purchase?

The most important types of insurance plans that a student need to have are:

  • Student health Insurance: Many students may have access to health insurance through their parents' plans until a certain age. However, if that is not the case, especially for international students, then they need to buy good student health insurance. This is very important given the cost of US healthcare. Students can buy individual student health insurance plans offered on American Visitor Insurance or consider buying coverage offered by their educational institution.
  • Travel Insurance: For students who frequently travel either domestically or internationally, student travel insurance can be helpful. It typically covers trip cancellation or interruption, medical emergencies, lost luggage, and other travel-related risk. Students can buy these travel insurance plans on American Visitor Insurance.

They should also consider buying the following if applicable to their needs.

  • Renters Insurance: If a student is living off-campus in a rented apartment or house, renters insurance can provide coverage for personal belongings in case of theft, fire, or other covered perils. It may also offer liability protection if someone is injured in their rented space.
  • Auto Insurance: Students who own a vehicle or often rent a car will need auto insurance or car rental insurance. It is mandatory in most areas and provides coverage for accidents, theft, and damage to the vehicle.

02. What is student travel insurance?

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:

  • Hospitalization
  • Medical treatment expense
  • Emergency medical evacuation
  • Repatriation
  • Doctor visits
  • Mental health and substance abuse
  • Dentals for sudden accidents
  • Sports activities which might be an add on benefit
  • Maternity and pregnancy coverage for covered pregnancy
  • Acute onset of pre existing conditions

03. What qualifies as pre pre-existing condition?

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:

  • Diagnosed conditions: These are conditions that have already been diagnosed by a health care professional before the insurance coverage begins such as diabetes, asthma, cancer, arthritis, heart disease, lung disease.
  • Chronic conditions: Conditions that require on-going maintenance and management such as Alzheimers, Cancer, HIV/AIDS... come under this category of pre existing conditions.
  • Recurring conditions: Individual might be diagnosed with some condition that is no longer existing or being treated such previous episodes of depression or surgery com under this category of pre existing conditions.

04. Does student travel insurance cover 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:

  • Coverage Exclusion: Some student travel insurance policies may specifically exclude coverage for pre-existing conditions. This means that any medical expenses related to pre-existing conditions would not be covered under the policy.
  • Limited Coverage: Certain policies might offer limited coverage for pre-existing conditions. For example, they may cover acute exacerbations or unexpected complications related to pre-existing conditions, but not routine or on-going treatment.
  • Coverage with Waiting Periods: Some insurance plans may provide coverage for pre-existing conditions, but only after a waiting period. During this waiting period, which is typically specified in the policy, expenses related to pre-existing conditions may not be covered.
  • Coverage with Higher Premiums: In some cases, insurance providers may offer coverage for pre-existing conditions but charge higher premiums to account for the increased risk associated with those conditions.

05. What is the waiting period for pre-existing medical conditions?

Waiting period is the time period during which the benefits related to pre-existing conditions may not be covered. After the waitiing 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:

06. What is a pre-existing condition for student health insurance?

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.

07. How can I find out if my international student health insurance covers pre-existing conditions?

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.

08. If my current health insurance plan doesn't cover pre-existing conditions, what options do I have?

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.

09. Will I have to pay higher premiums for coverage of pre-existing conditions in Student medical insurance?

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.

10. Can I get coverage for pre-existing conditions if I don't disclose them when purchasing the student insurance?

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.

11. Is there a waiting period for coverage of pre-existing conditions in student insurance plans?

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.

12. Can I get treatment for a pre-existing condition immediately after purchasing the student insurance?

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.

Why should international students compare health insurance?

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 students’ requirements. Once the required information is entered in the form, a summary of popular student insurance plans are displayed which can be compared.

Advantages of our US Student insurance compared to University insurance

  • The student medical insurance on American Visitor Insurance are designed specifically for international students.
  • Our US Student insurance options offer comparable coverage to University insurance plans but are significantly cheaper.
  • These US student health insurance provide coverage throughout the country and are not limited to the proximity of any college.
  • Some of our student medical insurance for OPT status can be bought even if the student is not taking courses on campus.
  • We offer student insurance plans for the spouse and dependents of the student visa holder even if the primary visa holder has a different insurance.
  • The student insurance plans on American Visitor Insurance moves with the student and is not limited to any University. Unlike any University insurance, if the student switches a college, the student insurance is valid in the new University as well.
  • These student insurance plans are valid till the end of the policy period even after the student has graduated. This is very useful for students who are on the OPT status in an F1 visa.
  • We offer exchange student insurance plans that satisfy J visa requirements as mandated by US consulates.

Steps to compare and buy
Best International student insurance

 1: Finding the available best health insurance for international plans

Complete the student insurance quotes request form by providing details of the student and insurance requirements.

 2: Compare the different medical insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

 3: Buy the student health insurance that you like best

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

 4: Review the students medical insurance plan documents received by email

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step student travel insurance

Factors for the cost of US student travel insurance

Student’s age

The student’s age determines the cost of US student medical insurance. The prices for f1 visa US student insurance increases with the age of the student.

The length of coverage

The price of student health insurance in the US can be either monthly or on a daily basis. The price increases with the duration of coverage required.

Maximum medical coverage

The cost of health insurance for international students in the US is directly dependent on the medical maximum coverage required. The cost of F1 student medical insurance is less for lower medical maximum and increases with higher medical maximum coverage.

US Colleges and Universities

Student health insurance for top US colleges and universities

Best insurance for international students

Cheapest F1 student health insurance

Students when they travel outside their home country to study along with the university academic experience also get an opportunity to experience a new culture and to see different parts of the world and meet new people with varied backgrounds. We work with several US insurance providers that offer excellent student F1 health insurance.

We have developed an excellent compare F1 visa student travel insurance tool and have article and FAQ's with information for the best travel insurance for F1 students studying abroad. Our international student insurance plan comparison facilities lists the student travel insurance that satisfies the student requirements.

Student health insurance

Students can find the cheapest health insurance for international students in USA as well as outside the USA. Other than the cost, we also display relevant coverage details of health insurance for international students on F1 visa studying in the USA.

Nationalities of large international student groups in the US

Student health insurance information

Student medical insurance forum

Customer queries and answers about medical insurance.
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Student Medical Insurance Blogs

Blogs about buying student health Insurance.
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Student travel insurance FAQs

Commonly asked questions about student travel insurance.
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Popular countries among international Students

F1 visa student insurance

Hopefully we have seen the end of the pandemic with most parts of the globe being vaccinated and large populations now having the necessary immunity. However, it still remains important for international students to have student health insurance with COVID coverage as the cost of healthcare in the US is very expensive. At American Visitor Insurance, we offer several international student insurance with Covid coverage.

Earlier international students in the US had to buy affordable care act, ACA (Obamacare) compliant medical insurance, however recent changes have removed this requirement. International students can now buy student health insurance plans offered on our website without violating US government requirements.

International Medical Group health insurance plans for international students in the US

The International Medical Group offers affordable student health insurance coverage for Covid19 medical expenses. Their popular Covid19 International student health insurance plans are

TravelInsure insurance for F1 students

TravelInsure Covid19 student health insurance by Study USA (Plus, Preferred and Platinum plans ONLY) offers international health insurance with coronavirus coverage for students outside their home country.

GeoBlue insurance for F1 students

GeoBlue student health insurance by Navigator for Student covers medically necessary COVID testing and treatment.

International students can compare student insurance plans to most appropriate plan that suits their specific needs.

There are some F1 visa students on the OPT status who are not enrolled in any classes. In this situation students are not limited to buying US student health insurance and can buy short term US visitors medical insurance. The visitors insurance plans are cheaper and work well for international students while they are not enrolled in classes. International students can review US visitors medical insurance plans that fit your needs.

Please know we are here to help you make an informed decision to get international students insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

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