Pre-Existing Conditions travel insurance for Older Travelers

Greetings!

Here at American Visitor Insurance we are always striving to get you the best pre-existing conditions coverage options possible for your travels or for your visitors! We recently added a new policy to our line up and we'd like to introduce you to it! We have teamed up with Trawick International to offer a new array of traveler and student plans.

A policy we find quite note-worthy is the Safe Travels USA Comprehensive, which offers best coverage for acute onset pre-existing conditions available for visitors up to 89 years old. This plan is designed for non-US citizens visiting the United States. It covers one sudden and unexpected acute onset of pre-existing condition but only if the traveler receives medical treatment within 24 hours after the first symptom and there has been no change in how the condition was being treated before leaving their home country. The plan comes with the coverage options ranging from $50,000 to $1 million.

For persons under 70 years of age, the plan covers the acute onset of pre-existing conditions up to the policy’s medical maximum. For those aged 70 to 79, non-cardiac acute onset benefits are limited to $35,000, and for travelers 80 years and older, the benefit is limited to $20,000. In the case of cardiac and stroke-related acute onset incidents, the plan offers up to $25,000 for those under 70, and $15,000 for travelers aged 70 and above.

We are proud and excited to offer this option since we know there are many clients concerned about pre-existing conditions while in the US and we can now offer a significant benefit for this age group (up to age 89). The US is known for it's expensive healthcare system for visitors. The cost of routine physician visit is very expensive in the US.

The common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $25K. Stroke resulting in ICU for about 10 days would cost $120K, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20K, The average treatment cost of acute kidney failure in the USA was over $22K in 2018.

Therefore it is very important to make sure that our US Travel health insurance is taken care of to make us feel safe and secured in a new unknown place. Some visitor insurance plans from INF cover these pre-existing medical ailments. If you have questions or concerns, please contact our friendly agents who can step you through the process and help you find the right plan for you and your visitors!

We have US visa medical insurance plans from other reputed insurance companies offering pre-existing conditions visitors medical insurance coverage to older travelers as follows:

Atlas Travel and Atlas Premium plans from WorldTrips: These plans provide worldwide coverage and provide coverage for acute onset of pre-existing condition up to age 80.

Travel Medical plans from Seven Corners: This set of plans provide worldwide coverage and provide some coverage for acute onset of pre-existing conditions up to the age 79.

Safe Travels USA Comprehensive: Best travel medical insurance plan which offers acute onset of pre-existing condition coverage up to the age of 89 years.

Non-cardiac acute onset pre-existing coverage: The non-cardiac acute onset coverage goes up to the plan's medical maximum for individuals up to age 69, $35,000 for those aged 70 to 79, and $20,000 for those up to 89 years.

With Cardiac Coverage: For cardiac and stroke-related events, the plan offers up to $25,000 for those up to age 69, and $15,000 for seniors 70 and above.

Visitors Protect from International Medical Group (IMG) covers temporary medical coverage for pre-existing conditions for travelers aged 70 years and above, with the benefits up to $20,000 and a deductible of $1,500. Designed for visitors traveling to the U.S. for at least 3 months. For travelers under 70, coverage is up to $25,000, providing comprehensive protection for both older seniors and younger travelers.

Patriot Platinum from International Medical Group (IMG) offers coverage for Sudden and unexpected recurrence of a pre-existing conditions for travelers aged 70 years and above up to $2,500.

Visit USA from Travel insurance services offers coverage of $2.5k for travelers aged 70 years and above for sudden onset of pre-existing conditions

Venbrook Essential insurance: This is a fixed benefit plan which covers acute onset of pre-existing conditions up to the policy’s maximum, including emergency medical evacuation with maximum limit $25,000, available only for travelers under 70.

Venbrook Premier insurance: This plan offers broader coverage acute onset of pre-existing conditions, covering one sudden and unexpected acute onset of pre-existing condition but only if the traveler receives medical treatment within 24 hours after the first symptoms. Non-cardiac events are covered up to the policy limit, while cardiac-related coverage is available up to $25,000 for those aged 65 to 69 years. However, there is no coverage for travelers aged 70 years and older.

INF Premier plan: This is a Fixed benefit plan providing policy maximum options of $100k, $150k, $300k, $500k and $1M for the age of 0-69 and $100K for the age range of 70-99. This is a full pre existing coverage plan where the coverage includes doctor appointments, blood tests, special care, urgent care which would not be covered under “full pre-xisting” coverage plans.

Premier plan provides policy maximum $100K covers pre-existing condition maximum of $20K/$40K with deductible $1K/$5K, policy maximum $150K covers pre-existing condition maximum of $30K/$60K with deductible $1K/$5K and policy maximum $300K covers pre-existing condition maximum of $50K/$100K with deductible $1K/$5K , policy maximum $500K covers pre-existing condition maximum of $150K/$200K with deductible $1K/$5K for age 0 to 69 years and policy maximum $1KK covers pre-existing condition maximum of $150K/$200K with deductible $1K/$5K for age 0 to 69 years.

For age 70 to 99 years for policy maximum $100K covers pre-existing condition maximum of $15K/$25K with deductible $1K/$5K.

INF Elite: This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above.Provides policy maximum options of $150k, $250k, $300k, $500k and $1M for the age of 0-69 and $75K for the age range of 70-99.

Covers full pre-existing condition coverage up to $25K, $30K, $40K, or $50K subject to deductibles of $1,500, $2K, $2,500, $5K, or $10K for age 0 to 69 years and for policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.

INF Elite Plus: This plan covers Preventive & maintenance care and coverage for full body physicals. This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above. Provides policy maximum options of $150k, $250k and $300k for the age of 0-69 and $75K for the age range of 70-99.

Elite Plus plan with policy maximum $150K covers pre-existing condition coverage up to $25K maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.

INF Elite 90: This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above. Covers 90% of eligible medical expenses. Provides policy maximum options of $150k, $250k, $300k, $500k and $1M for the age of 0-69 and $75K for the age range of 70-99.

Covers full pre-existing condition coverage up to $25K, $30K, $40K, or $50K subject to deductibles of $1,500, $2K, $2,500, $5K, or $10K for age 0 to 69 years and for policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.

INF Premier Plus: Premier Plus plan which covers both preventive care, full body physicals & pre-existing conditions for Non-US citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.Provides policy maximum $300k for the age of 0-69 years.

Premier Plus plan provides policy maximum $300K covers pre-existing condition maximum of $50K/$100K with deductible $1K/$5K for age 0 to 69 years.