Pre-existing conditions coverage for older travelers, Best visitor medical insurance coverage for pre-existing conditions for senior travelers

Pre-Existing Conditions 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.

One of their policies we find quite note-worthy since it offers the highest coverage for pre-existing conditions that we have found for persons over 70 years of age. Their policy called, Safe Travels USA Comprehensive, is for non-US citizens visiting the United States. It boasts maximums of $50K, $100K, $250K, $500K, and $1 million dollars.

This plan offers coverage for Acute onset of pre-existing conditions up to 69 years the limit is up to the medical maximum purchased per period of coverage and for any coverage related to cardiac disease, coverage is limited to $25,000.Up to $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation.

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: This plan provides coverage for acute onset of pre existing conditions for people up to the age of 89. However the coverage reduces for people above age 65.

For people up to age 69 the plan covers up to policy maximum for acute onset of pre-existing condition and pays $25K for cardiac related conditions.

Visitors Protect from International Medical Group (IMG) offers coverage pre-existing conditions for travelers aged 70 years and above up to $20K with deductible $1,500.

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 $2,500 for travelers aged 70 years and above for sudden onset of pre-existing conditions

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.

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.

Travel insurance for acute onset of pre-existing conditions

Travel insurance for Asthma

Travel insurance for Arthritis

Travel insurance for Diabetes

Travel insurance for Heart Ailment

Travel insurance for Cholesterol

Travel insurance for BP

INF Travel Insurance - Pre-existing Questions

Yes, there are many travel insurance options for seniors over 70 from the USA. Many US travel insurance providers offer policies specifically designed for older travelers, and some policies may have no age limit for coverage. However, it is important to note that the cost of travel medical insurance for seniors is higher than for younger travelers due to increased health risks and the likelihood of pre-existing conditions. Additionally, coverage and benefits may vary depending on the policy, and it is important to carefully review policy terms and conditions to ensure that you get the coverage you need.

Some US insurance providers that offer travel medical insurance for seniors over 70 from the USA include Trawick International, Seven Corners, IMG and WorldTrips. It's recommended to research and compare different policies on American Visitor Insurance based on costs, benefits and coverage for pre-existing conditions to find the best traveller insurance and value for your needs.

The most important insurance coverage for senior travelers is extent of medical coverage. Seniors are more likely to have pre-existing medical conditions and may be at higher risk for medical emergencies while traveling, making it essential to have adequate medical coverage in case of illness or injury. Travel medical coverage can include coverage for hospitalization, emergency medical treatment, and medical evacuation if needed.

In addition to travel medical coverage, senior travelers may also want to consider trip cancellation and interruption coverage, which can help protect against financial loss if they need to cancel or cut short their trip due to unforeseen circumstances such as illness or weather-related events. There is the option available for US travelers to buy travel insurance with cancel for any reason, which gives full flexibility to cancel a trip.

Among other important insurance coverage for senior travelers is the coverage for lost or stolen luggage, travel delays or missed connections, and accidental death or dismemberment. Older travelers should compare different US travel insurance policies to find the best coverage and value for their individual needs on American Visitor Insurance.

Yes, it is possible to find cheap travel insurance for seniors over 70. Many insurance providers offer specialized travel insurance plans that cater to the needs of older adults. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, seniors can find affordable travel insurance that suits their specific requirements. It is advisable to shop around and explore various options to find the most cost-effective travel insurance policy for seniors over 70.

Older travelers can easily compare different travel insurance over 70 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies. Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:

The maximum medical coverage available for the age of the traveler
The cost of insurance and deductible and co-insurance expenses
The Preferred provider organisation (PPO) network of the insurance provider and user reviews
The coverage for pre-existing conditions and any exclusions and limitations of the policy
The customer assistance and emergency helpline of the insurer

Visitor health insurance which insures mainly the health of the traveler against accident or sickness when he/she is traveling overseas is very important since healthcare is very expensive, especially in the USA. Visitor health insurance is important even if you have health insurance in your home country which you believe will work in the US. The main reason for this is that US insurance providers negotiate with the healthcare providers in the US to get a better pricing for medical services, something that is not available to international insurance providers. This makes US healthcare very expensive even with travel medical insurance coverage which do not have negotiated rates with US healthcare providers.

Visitor insurance which focuses on insuring the travel expenses along with the health of the traveler is very important to protect travelers from unforeseen risks and emergencies that may occur during their trip. Travel insurance can provide coverage for various situations such as:

Medical expenses due to illness or injury
Trip cancellation or interruption due to unforeseen reasons
Loss or delay of baggage or personal belongings
Passport or travel document theft or loss
Emergency evacuation or repatriation
Legal liability or personal accident
Travel assistance and support

Having the best visitor insurance is really important given its relative cost to that of the trip and the cost of healthcare overseas. Visitor insurance can help you save money, time, and hassle in case something goes wrong during your trip. It can also give you peace of mind and confidence to enjoy your travel experience. Therefore, travel insurance is strongly recommended for travelers to travel safely and securely.

It is easy to find the best visitor insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.

The cost of travel health insurance which focuses on the health of the traveler depends on factors such as:

The age and health of the traveler (older the traveler, higher the cost)
The destination and duration of your trip (cost in US is most expensive)
The amount of medical maximum coverage chosen (higher the coverage, higher the cost)
The deductible and co-insurance of the insurance
Any add-on benefits (pre-existing conditions coverage etc.. cost more)

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.

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

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.

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.

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.

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.

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.

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.

The maximum length of coverage for INF insurance is 364 days.

INF insurance is available for international visitors to the United States, Canada or Mexico.

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.

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.

There is a minimum purchase of 90 days required to buy these INF Elite plans.

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.

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'.

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.

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.

Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.

No.

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.

No.

Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.

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.

Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.

No.

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.

Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.

Pre-existing conditions visitors insurance

Tips for travelers with pre-existing conditions

Here are some travel insurance tips for travelers with pre-existing conditions

Choose a travel medical insurance with pre-existing conditions coverage.
Read the policy carefully to understand what is covered and what is not.
Be aware of look back period for coverage of pre-existing conditions.
Consider buying an US travel health insurance plan with higher medical coverage.
Keep a copy of your medical records and list of medications when you travel.
Take your Doctor's prescription and medications during your trip.
Learn how to access healthcare at your destination.
Contact your US traveler insurance provider immediately in case of a medical emergency.
Disclose all pre-existing conditions when purchasing visitor health insurance.
Follow all procedures while submiting a claim.

What is visitors insurance for pre-existing conditions?

There are many health insurance for us visitors options for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for an acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. This typically includes emergency medical treatment, hospitalization and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

The definition of pre-existing conditions and the look back period under the policy.
The eligibility age limit for pre-existing conditions coverage.
Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
The coverage limit for pre-existing conditions which is different from the policy medical maximum.
The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is health insurance for travel to USA with pre-existing conditions coverage important?

Traveling anywhere outside worldwide is supposed to be an eye opening, special and a relaxed trip experience. Traveling with a health condition brings in more challenges in order to get covered for the unexpected medical expense in case of odd surprises during the trip. This calls out for an insurance plan that covers the pre-existing conditions that will relieve the unnecessary stress of taking extra care of yourself during your most memorable travel experience.

The plans also will be expensive considering the risks involved to cover pre-existing conditions. Many of the travel insurance plans exclude pre-existing conditions. At American Visitor Insurance we offer plans that cover acute onset of pre-existing conditions as well as some cover full pre-existing conditions.

Pre-existing conditions coverage - FAQ's

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans.

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

General - FAQ's

For seniors above the age of 70, many plans provide a lower policy maximum with a couple of plans providing a policy maximum of $100K and $50K. Seniors visiting the US who are Non US citizens above 70 can purchase Atlas America, Safe Travels USA, Safe Travels USA Comprehensive, Safe Travels USA Cost Saver, Liaison Travel Plus.

Seniors above 80 and Non US citizens coming to the US can purchase Safe Travels USA Comprehensive, Safe Travels USA, Safe Travels USA Cost Saver

Travel insurance starts costing higher with age and is noticeable after the age of 65. Most of the plans start limiting coverage for acute onset of pre-existing condition after this age. Some plans continue to provide good amount of benefits up to age of 79. Very few plans pay flexible benefits up to age 89.

However, the policy maximum on the plans get limited to $10K or $20K with most of the plans. Few of them provide up to $50K and very few provide $100K as the policy maximum.

There are some USA Covid travel insurance plans available for travel that cover covid19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online.

These US covid travel insurance plans are available for visitors to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

Simply put, a pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Click here to Read more.

No, there are no medical tests required for purchasing visitor travel insurance to usa with pre existing conditions.

The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for acute onset of pre-existing conditions**. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.

Many people, although healthy and able to travel, particularly older travelers take medications for certain medical conditions. While these conditions can be called "normal" for a person of their age, not all people have these conditions and they will be classified as "pre-existing" by an insurance company.

If you do NOT have coverage for it, then the policy will pay $0 for any incident of it, emergency or not. The coverage you can get is limited to "acute onset" of a pre-existing condition which can cover an unexpected life-threatening emergency of the condition which would then give you as complete coverage as you could get for your travels or visitor. This is why we offer some options with this coverage for nearly all ages of travelers. For more information, go here.

Travel insurance plans usually cover unexpected or sudden sickness or injuries. Pre-existing condition is a condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

Some international travel insurance plans offer coverage for acute onset of pre-existing conditions. Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately.

It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

Wide range of temporary US travel insurance options
Travel insurance with Covid19 and quarantine coverage
Several new US immigrant insurance plans available
Popular Schengen visa insurance with required visa letter
Travel health insurance and trip cancellation insurance options
Affordable international student health insurance plans
Resourceful user friendly compare travel insurance tool
Customer support with support for claims settled in the USA
Fixed benefit and comprehensive international travel insurance plans
24/7 licensed US travel insurance agent support
Guaranteed cheapest travel medical insurance price
Travel health insurance customer support during crisis
Relevant US travel insurance blogs, articles and FAQ's
Travel insurance reviews to help decide on plans

Greater Coverage for Pre-Existing Conditions for Older Travelers!

Senior citizen travel insurance quotes

Pre-Existing Conditions for Older Travelers

What does visitor travel insurance cover?

Testimonials - From Our Customers

Shelie

Charlotte

Lori Fields

Resourceful tourist insurance USA information

Find the best travel insurance

How does travel insurance work?

How to buy travel insurance?

Travel insurance glossary

Travel insurance for specific groups

Compare travel insurance plans

Travel insurance for acute onset of pre-existing conditions

INF Travel Insurance - Pre-existing Questions

Different types of US Visitors travel insurance

Fixed Benefit vs Comprehensive plans

Fixed Benefit travel insurance

Comprehensive travel insurance

Pre-existing conditions visitors insurance

Tips for travelers with pre-existing conditions

What is visitors insurance for pre-existing conditions?

How does travel insurance for pre-existing conditions work?

Factors to consider while purchasing visitors health insurance for pre existing conditions?

Why is health insurance for travel to USA with pre-existing conditions coverage important?

Pre-existing conditions coverage - FAQ's

What is the best visitors insurance with parents visiting USA?

General - FAQ's

Resourceful travel medical insurance information

Travel medical insurance resources

Compare travel insurance factors

Types of travel insurance online

Travel insurance Claims Procedure

Visitors insurance for seniors

Ask me a Question?

Popular Older traveler insurance providers

Older traveler insurance for USA categories

Disclaimer