Travel Insurance Pre-existing Medical conditions Forum

Hi,

I want a travel insurance for Covid and any other pre-existing conditions.

Thanks,
Zuzanna

Dear Zuzanna,

I finally got word back from INF. The CDC update has NO bearing on their coverage of COVID. They will still cover it as any other illness (unless you are already sick, of course). There are two comprehensive options available from them. You can compare INF Premier and INF Elite Short term insurance.

INF Premier and INF Elite Short term insurance

If your visitor will be staying for three months or longer, you may want to consider a new plan we are offering called Elite plan from INF. It will cover 80% of expenses including many unexpected medical issues due to pre-existing conditions. The coverage is NOT limited to "acute onset" of pre-existing conditions. The look-back period for the plan is only 90 days which means you have a much better chance of having pre-existing medical conditions covered, especially if they are stable for you. The plan has a $75,000 maximum for persons over 69 years and $150,000 for persons under 70 with a $250 or $500 deductible (same for pre-existing condition coverage). Note that you can purchase 30 days to 89 days, but the cost is more per month (you can use the link at the end of this email). The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

For all information about the plan, go here:

INF Elite plan:

To get a quote and/or buy Elite plan from INF, go here: Buy Now

This is a very unique plan offering "full" coverage for pre-existing conditions with such a short look back period for those conditions.

Please note that the plan does NOT cover routine, necessary treatment for a pre-existing conditions. The coverage is for any issue arising, not just "acute" (or something that must be treated right away) issues.

Another option is to get coverage only for "acute onset" of pre-existing conditions, which is less expensive. That plan offered by INF is called INF Premier. Like the Elite plan above coverage is available up to $150,000 for persons under 70 years and $100,000 for those 70 to 99 years of age. Persons under 70 years can choose between a $250 or $75 deductible, with other clients choices of $250 or $500 deductible. The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. With the Premier plan, you must choose the deductible for the pre-existing condition coverage and that determines the maximum coverage for acute onset of pre-existing conditions (the higher the deductible, the higher the maximum you are allowed).

For all information about the plan, go here:

Let us know if you have any further questions or concerns about this or other plans you may find on our website

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

I have a visitor who is 62 years old and coming from UK to USA. I am concerned about her pre-existing condition.

Can you let me know a good plan that covers pre-existing condition? I do need a company that can do direct billing instead of reimbursing the money back.

Thanks,
Zeena

Dear Zeena,

Thanks for contacting American Visitor Insurance with your requirements forvisitor insurance with visitor insurance with pre-existing conditions!If your visitor will be staying for three months or longer, you may want to consider a new plan we are offering called Elite plan from INF.

It will cover 80% of expenses including many unexpected medical issues due to pre-existing conditions. The coverage is NOT limited to "acute onset" of pre-existing conditions.

The look-back period for the plan is only 90 days which means you have a much better chance of having pre-existing medical conditions covered, especially if they are stable for your visitor. The plan as a $75,000 maximum for persons over 69 years and $150,000 for persons under 70 with a $250 or $500 deductible (same for pre-existing condition coverage). The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

INF Elite plan:

This is a very unique plan offering "full" coverage for pre-existing conditions with such a short look back period for those conditions. Please note that the plan does NOT cover routine, necessary treatment for a pre-existing conditions. The coverage is for any issue arising, not just "acute" (or something that must be treated right away) issues. Please contact the insurance company for claim related questions. Let us know if you have any further questions or concerns about this or other plans you may find on our website.

Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

I read in your website that INF policy covers Urinary Tract Infections which is common in Old people and I also read there is a deductible of 1000$ for pre existing condition, if somebody has urinary tract infection before taking policy, is it considered as pre existing and do you have to pay deductible up to 1000$ is that right? or is it covered 100%.

Thanks,
Deepak

Dear Deepak,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! The INF insurance plans provide coverage for pre-existing conditions. Yes, there is a set deductible value for these plans. Here you can find all the different plans from INF:

1. Here are the details for the INF Elite plan:

INF Elite plan

This plan has anew accident and sickness deductible of $500 and pre existing deductible of $1500. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

2. Here you can find the details for the INF Advantage plan:

INF Advantage plan

This plan has a new accident and sickness deductible starting from $0 and goes on as $250, $500 and $1000. The pre existing deductible also starts with $0 and goes up to $1000.

Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

I have my in laws and my father visiting the US. Should I buy separate plans for them. Can I put them in one plan? Can you let me know a plan that covers pre exiting and provides a higher policy maximum?

Thanks,
Raju

Dear Raju,

Thank you for contacting us for your insurance needs! You will have to purchase separate insurance plans for your father and your in laws. The plans from INF provide pre existing condition coverage for people up to the age of 99. The coverage policy maximum differs after the age of 70. There are plans that provide full pre existing coverage and ones that cover acute onset of pre existing coverage.

1. INF Elite plan: Policy maximum of $150,000 and $75,000 is available under the INF Elite plan and a deductible of $500 is available. This is a comprehensive plan. This plan provides full pre existing condition coverage. The plan has a minimum purchase of 30 days. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details for this plan:

2. INF Premier plan:

This plan is a Fixed plan and has full pre existing coverage. This plan provides policy maximum options of $100,000 and $150,000.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see the plan details here to get more information:

3. INF Advantage plan:

This plan provides the highest coverage for the acute onset of pre existing condition. Policy maximum of $75,000 and $150,000 are available on this plan. Here are the details of this plan:

There are other comprehensive plans that provide coverage for acute onset of pre existing conditions. Some popular ones are mentioned here:

1. Atlas Travel plan: This is a comprehensive plan from WorldTrips. This plan has no co insurance cost after the deductible within the PPO network. This plan covers acute onset of pre existing condition up to the age of 80. Here are the details of the plan:

2. Patriot America Plus from IMG:

This is a comprehensive plan that provides coverage for acute onset of pre existing up to the age of 70. Please see here for the plan details:

Please let us know in case of further questions

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

Is there any plan for diabetes treatment?

Thanks,
Lini

Dear Lini,

The only treatment available for pre-existing medical conditions is for "acute onset" of those conditions. So, some visitors insurance for pre-existing conditions will cover unexpected emergencies which may arise from a pre-existing condition, but you will have to pay for regular, required treatment or medication out of your pocket (the insurance will not cover it).

Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Dear American Visitor Insurance,

I live in Dubai, United Arab Emirates and I plan to travel to the United Kingdom with my father who is 83 years old. We are Indian citizens and live permanently in the United Arab Emirates. Can you please let me know if I can take a travel cover for my father? I need to cover his pre-existing conditions as well.

I look forward to hearing from you soon.
I can see the co-insurance reads 100%. Please can you kindly explain this to me?

Regards,
Ann

Dear Ann,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! You can use our travel health insurance for pre-existing conditions compare to find an insurance suitable for needs.

There are plans available from the INF company that provide very good coverage for pre existing conditions up to the age of 99. There are plans that provide full pre existing coverage and the ones that provide only coverage for acute onset of pre existing conditions. The policy maximum and the coverage differs for ages below 70 and 70+. Let me briefly walk you through these plans:

1. INF Elite plan: This is a comprehensive plan and provides full pre existing condition coverage. A minimum purchase of 30 days is required on this plan to receive the coverage. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
2. INF Advantage plan: This is a comprehensive plan and provides coverage for acute onset of pre existing condition.
3. INF Premier plan: This is fixed plan but has the provision to provide full pre existing condition coverage.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

There is another plan from the company Trawick International that provides good coverage for acute onset of pre existing conditions only for people above the age of 80 up to the age of 89. The policy maximum available with this plan is $50,000.

Safe Travels USA Comprehensive plan: This is a comprehensive plan and here are the plan details:

Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

Planning on travelling to the US in may for a week and looking at travel insurance says about $500 for my partner with a UK to USA policy, just wondering how exactly the US policy works that's saying around $50 for the week that we're there? I don't see any information about pre-existing medical conditions declarations etc, so I'm just wondering how it covers those conditions while we are there and what happens if something does happen? for example if she had to go to the hospital for an epilepsy episode? does the policy cover it? cause it doesn't state anything about the medical conditions to declare so I'm a bit worried about purchasing and want to find out as much information as I can.

Thanks,
Alex

Dear Alex,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! The plans cover unexpected sickness and injury. They provide coverage for emergency medical evacuation and repatriation. Most of the comprehensive plans have coverage for "acute onset of pre-existing condition" up to the age of 70. You can have a look at the comprehensive Visitor Insurance. There are few plans that provide coverage for pre existing conditions above the age of 70. There are plans which provide full pre existing condition coverage while most of them provide coverage for acute onset of pre existing conditions.

Here is a brief summary of the plans that extend their coverage for pre existing conditions for above 70:

INF Elite plan: The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Comprehensive plan with high policy maximum and full pre existing condition coverage including doctor appointments, blood tests, specialist care...

INF Premier fixed benefit plan:

This is a fixed tat provides full pre existing condition coverage like the Elite plan.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

Atlas Travel plan:

This is a comprehensive plan and provides coverage for acute onset of pre existing condition.

Safe Travels USA Comprehensive: This is a comprehensive plan from Trawick International and provides good coverage for acute onset of pre existing conditions.

Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

I have requested a call back as i am travelling to USA in Dec for 15 days and need insurance cover as I have had a triple bypass surgery 3 years ago and am on prescription medication to keep my cholesterol and blood pressure down. Can you please advise what I should be looking for with the coverage literature.

Thanks,
John

Dear John,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! As far as the coverage for any pre-existing condition is concerned, these plans cover the acute onset or the sudden recurrence of pre-existing condition. They do not cover any preventive care, routine check-up or prescription medication that is given for the maintenance of the condition.

Safe Travels USA Comprehensive:
Covers "For cardiac related pre-existing conditions , for people above the age 65, this plan provides up to $15,000 and for people below the age of 65, this plan provides up to $25,000 for cardiac related pre-existing diseases. Only coverage for acute onset of pre existing condition is available and no coverage is available for routine check up, prescription medication and any planned treatment."

You can review the plans that provide very good coverage for pre-existing conditions at:

Pre-existing coverage plans
Please make sure that you sign up for the comprehensive plans as they are flexible with their coverage.
Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hello,
I am Belgian male, 49 years old residing in Taiwan. I will be in Belgium between Nov 30 2018 and Jan 17 2019. I am under treatment for supraventricular premature beats. My cardiologist told me that I don't need insurance but I prefer to be on the safe side. What can you offer me? Which one do you recommend me? I am interested in ''visitor care heart care plus''.

Thanks for your time,
Gouverneur

Dear Gouverneur,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!

We offer various plans that cover pre existing conditions. Most of the plans cover only the sudden recurrence or acute onset of the pre existing conditions, while a few plans extend their coverage to cover full pre existing condition including doctor appointments, specialist care, blood tests, urgent care...Some diseases like HIV and Cancer are excluded from coverage . So, please see the list of exclusions in the plan brochure that is available in the plan details webpage. Before giving the details on the Visitors Care Heart Care plus plan, I would like to walk you through the plans that are popular for their pre existing condition coverage.

INF plans like the INF Elite network and INF Premier provide full pre existing condition coverage. This means that any issue that has gets noticed due to the condition the individual has and which needs medical assistance will be covered. Coverage is available up to the age of 99. There will be difference in policy maximum above the age of 70.Both Elite and Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

Other plans like Atlas Travel provide coverage for acute onset of pre existing condition up to the age of 80. Similarly Safe Travels USA Comprehensive plan provides coverage for acute onset of pre existing conditions up to the age of 89.

Visitor Care Heart Care plus plan is a fixed plan from IMG and provides $2500 for acute onset of pre existing condition and heart attack. It is advisable to choose a comprehensive option than a fixed plan due to flexibility in benefits. Please see here to view the difference between the Fixed and Comprehensive plans.

Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hello,

I want to know the details of the Visitors Secure Plan A health insurance for visitors. In particular the exclusions per pre-existing disease as mentioned in the final check list page.

Thanks,
Dr. Akhtar

Dear Akhtar,

The coverage for pre-existing conditions can be very confusing. It is confusing because the plan, technically, does NOT cover pre-existing conditions. That is, if there are required regular treatments or medications that are needed for a pre-existing medical conditions, these is NOT covered. However, if a person is under 70 years of age, you can have coverage for what is called "acute onset" of a pre-existing condition. For plan A, the amount covered for that would be up to $50,000. The emergency situation would be covered in the same way that any other condition is covered (it is a fixed plan, so each medical expense has a set limit that will be paid out by the insurance company and you will have to pay the difference for each). Notice that plan B, covers up to $75,000 (the same as the maximum of the plan) and plans C and D cover up to only $100,000 maximum).

You may wonder what is considered "acute onset" as opposed to any other expression of the pre-existing condition. Well, the "acute onset" clause of the plan is meant to cover a condition that is well regulated by medication and/or treatment or any other reasonable means, but the insured has an unexpected and acute emergency due to that condition that threatens their life or overall wellbeing (maybe their life is not in danger, but they may go blind or lose a limb -- that would also count). It must be "acute" in the sense that the situation cannot wait until you return home to take care of the situation.

Note that this coverage is only available for persons under 70 years of age. If the person purchases the policy at age 69 and hits their birthday during the trip, they do lose this additional coverage when they are 70 years (although they get to pay as a 69 year old for the whole trip).

I hope this clarifies the coverage on the Visitor's Secure plan offered by WorldTrips. Do let us know if you have any other question or concerns.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hello,

I'm booking travel insurance for my dad, from UK to USA, Aug 30- Sep 8. Is there a list of pre-existing conditions and time limits? He takes pills for high blood pressure.

Thanks,
Samantha

Dear Samantha

Thank you for your inquiry and allowing us at American Visitor Insurance to help you with your insurance needs. We offer several visitors insurance options for acute onset of pre-existing conditions to individuals that are specifically worried about coverage of pre-existing conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition, however we have identified the plans that have some coverage for preexisting conditions for individuals traveling out of their home country. Please note that some diseases are excluded from coverage like HIV and cancer, so consult the list of exclusions of the plans to be sure your condition is not excluded. There are no specific list of diseases that are covered. High blood pressure is not a condition that is excluded. You can compare quotes offered by the different pre-existing coverage plans at - Compare pre-existing insurance plans.

1. Atlas Travel:
An excellent option is found in the Atlas America/International plan. They cover the pre-existing condition up to the maximum of the plan that you choose which can be up to $1,000,000 maximum. The coverage for pre-existing conditions is only available for individuals under 70 years of age who are non-US citizens. To get a quote and purchase the plan, use the link below:
2. Patriot America Plus:

Another option is Patriot America Plus which also covers acute onset for persons under 70 years of age. This is a very economical comprehensive plan. To get a quote and/or buy Patriot America Plus insurance:

3. INF Elite plan:

This plan is a comprehensive plan from INF and provides full pre existing condition coverage. This plan covers up to the age of 99. For people in the age group of 70 to 99, the policy maximum of $75,000 is available. For people below age 70, policy maximum of $150,000 is available. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

4.INF Premier plan (Fixed):

This is a fixed plan from INF and is provides full pre existing coverage like the INF Elite plan. This is a fixed benefit plan.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

Please see this page to compare and know more about the INF pre existing plans: Compare INF Pre-existing Condition Travel Plans.
5. Safe Travels visitors to USA (Fixed plan):
As a fixed plan, it only covers set amounts per each medical expense (see brochure for details) and is only for persons under 70 years old. To get a quote and purchase the plan, use the link below:

Please let us know in case of any questions.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hello,

I am looking for travel insurance for international travel. I travel out frequently. I need a travel insurance that has a good coverage for pre-existing condition and I am 62 years old.

Thanks,
Tejander

Dear Tejander,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Here are the links for the policy we spoke about over the phone: Here are some plans that provide worldwide coverage:

1. Atlas travel insurance plan: This is a comprehensive plan from WorldTrips. This provides coverage for pre-existing conditions up to the policy maximum selected. This provides $25,000 coverage for pre-existing conditions for emergency medical evacuation. This plan provides worldwide coverage including or excluding the US. You can Buy Atlas travel insurance online.
2. Travel Medical insurance: This is a comprehensive plan form Seven Corners. here I am giving you the Travel Medical Choice plan, but you can view details of all the Travel Medical plans in the Buy page. Travel Medical plans provide worldwide coverage as well like the Atlas plan including or excluding the US. You can Buy Travel Medical insurance online.


Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

Hi looking for a travel insurance for an 83 year old female traveling from the Philippines to USA from June 23 to July 14. I am looking for a plan that also covers pre-existing conditions.

Thank you,
Katriz

Dear Katriz,

Thank you for contacting us at American Visitor Insurance! We are always striving to provide the best and most options for international travelers. In that light, we have recently added this policy by Trawick International. It is unique in offering coverage for "acute onset" of pre-existing conditions for up to $25,000 for persons over 70 and under 90 years of age. The price of the policy for younger travelers makes it an economical option for coverage of acute onset of pre-existing conditions up to the medical maximum for those under 70 years.The policy is available from any state in the US or can be purchased from abroad.This plan will cost you about $330 with a $50,000 maximum and a $250 deductible (you can choose higher deductible and it will cost you less) for the dates of your trip.

Safe Travels USA Comprehensive:

Another option is the fixed plan offered by this same company.It is called Safe Travels USA Diamond and can be purchased for up to $50,000 and has the same limitations on coverage as above for the comprehensive plan, but remember that it is a fixed option and so has caps on individual medical expenses (as well as the maximums listed above).However, offers the best fixed coverage for acute onset of pre-existing conditions for persons over 70.This plan will cost about $112 for the same dates with a maximum of $50,000 and a deductible of Safe Travels visitors to USA Diamond:

INF Elite network:
This plan is a fixed plan and provides full pre existing condition coverage up to age 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

Here you can compare the INF pre existing condition coverage plans:Compare INF Pre-existing Condition Travel Plans.
Do let us know if you have any further questions or concerns by email or phone. We are more than happy to assist you!
We wish you and yours safe and happy travels!
Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

Can you please explain further the difference between fixed and comprehensive? And is this the best plan you got for 83 year old female traveling from the Philippines to USA?

Thank you,
Katriz

Dear Katriz,

I always recommend a comprehensive plan over a fixed one (so the first, more expensive one). This is because the coverage is more complete. Here's how it works: You pay your deductible (whatever you choose at the time of purchase), then you pay 20% of the next $5000 in expenses (so up to an additional $1,000) and then the plan pays up to the maximum of the plan. In the case of a pre-existing condition, the maximum limit is reduced, usually to $25,000.

In a fixed plan, the company pays a set amount for each medical expense (after you pay the deductible). If you are charged more than they pay, then you pay the difference for each expense. So, the fixed plan will pay something for everything, but it may not pay 100% of anything. You cannot calcite an "out-of-pocket" expense with that plan like you can with a comprehensive plan because you will need an itemized bill from the provider and they will only pay a certain amount for each item.

I hope that clears it up. There is an example and comparison on our website here: Fixed and Comprensive insurance plan benefits

Do let us know if we can assist you any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

I need to know if the Visitors Care plan from IMG cover acute onset of pre-existing condition? Is there a PPO network for this plan?

Thank you, Hezel

Dear Hezel,

Thank you for contacting us at US visitors insurance coverage for pre-existing conditions! for your travel health insurance needs!

Yes. The PPO network and the coverage for acute onset of pre existing condition does exist with the Visitors Care plan. The coverage is available for $2500 for the acute onset of pre-existing condition.
Please let us know if we can help you in any further or if you need a plan with better coverage for pre-existing condition
Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hello,

I have a son aged 20 who is looking to study in US He is an Australian Citizen. Travelling to USA college in July 2018. He is a type 1 diabetic and needs cover for that pre-existing condition. What companies offer the best coverage. He will hope to be in USA college for two to four years. I am still a little confused in regards to Pre-existing conditions and acute onset.

What would this actually mean for a type one diabetic with really good control?
We are not looking for coverage for his ongoing management drugs, etc that can easily be managed from Australia. What are examples of acute onset with Diabetes?
As a couple of scenarios what if:
He was discovered in a distressed state that he could not help himself due to low glucose levels and was sent to hospital for treatment.
He was sent to hospital with vomiting and diarrhoea and then as part of their management plan the hospital treated him differently because he was a diabetic? This initial enquiry is about a 20 year old healthy type 1 diabetic male,from Australia, who has been offered a college place in the USA for 1- 2 years commencing July this year.

Thank you,
Sam Camp

Dear Sam Camp,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!

Here are the plans from the company INF that cover pre existing conditions. This link below will provide the comparison of 3 plans that cover pre existing condition. 2 of the plans are fixed and one of them is comprehensive. One of the fixed plans cover only acute onset of the pre existing condition and the other 2 cover full pre existing condition. Please look here for more details: Compare INF Pre-existing Condition Travel Plans.
Acute onset as I understand is a sudden recurrence of the condition that is unexpected and needs urgent care treatment. I might not be able to give specific examples. Maybe something like a heart attack or a stroke that is unexpected and has occurred due to the condition that is existing.
For a healthy person who is not having any issues and the condition is in total control, they don't have to worry.
We mention the details to make sure that we are giving the right information and therefore I wanted to tell you that only acute onset is covered.
The incident that you have mentioned here about the low glucose level might be an acute onset but I cannot confirm that. This is something that a doctor would do and the doctor's report would say if it is acute onset or not.
If your son has any specific requirements for the health insurance from the college, you can take a look at our student plans by getting quote here: student insurance plans
These plans have a waiting period of either 6 months or 12 months for pre-existing condition coverage.
Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Dear customer support,

Is osteoporosis a "pre-existing condition" ?

Thank you,
Darlene

Dear Darlene,

Yes. Anything you have been diagnosed with, are being treated for or have with reasonable medical certainty before the policy begins is considered pre-existing. However, if you break a bone, I don't think (even if you were at higher risk) that would be excluded from coverage since the break was ultimately caused by a fall or accident. The only time pre-existing conditions are a main concern is when they can cause an emergency by themselves, like a heart condition leading to a heart attack or a diabetic having some emergency due to their diabetes.

Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Dear customer support,

Does any of your policies cover pre-existing conditions?

Thank you,
Barkh

Dear Barkh,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Some policies that we offer cover "acute onset" of a pre-existing condition. So, first of all, the condition should be stable and not worsening. Further, regular medication or treatment that is required for the conditions is not covered. However, some policies will cover a sudden and unexpected emergency due to that medical condition.

Another important factor in this coverage is the age of the insured. There is pretty good coverage for acute onset of pre-existing conditions for persons under 70 years of age. If you are over 70, here are the plans from the INF that cover full pre existing conditions.

INF Elite short term:
This is a comprehensive plan and covers up to age 99. Please see the below links for more details on this plan. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
INF Premier short term:
This is a fixed plan from INF that provides full pre existing condition coverage.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
There is one fixed and one comprehensive option from Trawick International called Safe Travels USA Diamond (fixed) or Safe Travels USA Comprehensive (comprehensive).
Safe Travels USA Comprehensive:-
You can review all these plans (fixed and comprehensive) using this page on our website: Pre-existing plans. If we can help you with your specific case, please tell us your visitor's age and how long you need the insurance.

Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

I'm looking for coverage for travelers aged 78 and 81 years with heart problems visiting the US for 3 months. Please can you suggest health insurance coverage.

Thank you,
Anita
Dear Anita,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
Plans offered by INF insurance provide full pre existing condition coverage for travelers up to the age of 99. The plan provides a policy maximum of $75,000 for the age group of 70 to 99. These are 2 plans, one is comprehensive and the other is fixed benefits.

1. INF Elite network: This is a comprehensive plan and is available for US and Non US citizens coming to the US. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details:

2. INF Premier short term plan: This is a fixed benefit plan and is available for both US and Non US citizens coming to the US.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the plan details:
The other plans that are available for people above 80 are these two plans that have coverage for acute onset of pre-existing condition for people above 70 and also 80. But you can buy them only for policy maximum of $50,000. If you need a higher policy maximum, there are plans that can give you that but there is no coverage for acute onset of pre-existing condition for people above 80 and reduced coverage available for people above 70.
1. Safe Travels USA Diamond: This is a fixed plan. Below are the webpages, you can get all the information about the plan.
2.Safe Travels USA Comprehensive: This plan is a comprehensive plan.
Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Dear customer support,

Please can you suggest any health insurance plans that covers pre-existing conditions for my mother who is 73 years visiting US.

Thank you,
Dear Customer,

Thank you for your inquiry and allowing us at American Visitor Insurance to help you with your insurance needs.

We offer several visitors insurance options for acute onset of pre-existing conditions to individuals that are specifically worried about coverage of pre-existing conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition, however we have identified the plans that have some coverage for preexisting conditions for individuals traveling out of their home country. Please note that some diseases are excluded from coverage like HIV and cancer, so consult the list of exclusions of the plans to be sure your condition is not excluded. You can compare quotes offered by the different pre-existing coverage plans at : Compare pre-existing coverages.
These plans from INF Insurance go beyond covering the acute onset and provide full pre existing condition coverage.
1. INF Elite: This plan is a comprehensive plan and is available for people up to age 99. For those who are in the age range of 70 to 99, this plan provides a policy maximum of $75,000. Plan provides full pre existing condition coverage. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details of this plan:
2. INF Premier short term plan: This is a fixed benefits plan from INF and provides full pre existing condition coverage up to age 99. Plan provides a policy maximum of $75,000. The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details:

More plans are listed below that provide coverage of for acute onset of the pre existing conditions only.

Atlas America:

Atlas Premium:

An excellent option is the Patriot Platinum plan which can be purchased at high maximums ($100k for persons over 70). After age 65, both US and non-US citizens are covered up to $2,500 for pre-existing conditions (no specific illness).

The most affordable plan is the popular Visitor's Care policy. They offer a "Heart Care Plus" rider that can be purchased which covers $2,500 in the event of a heart attack or stroke even if due to a pre-existing condition. To purchase and/or to get all details for the Visitor's Care plan, please go to:

For a summary table of these plans, please go to: Pre-Existing Coverage Plans If you have any questions, please feel free to call us at 1-877-340-7910 and we are more than happy to help by answering any further questions you may have.
Thank you for providing us an opportunity to be of service to you!

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Dear customer support,

I have a visitor coming from China and she is on B1 Visa. Does she get covered for pre-existing condition that she has? Can she get covered if she is checking on the status of the condition?

Thank you,
Howard

Dear Howard,

Thanks for contacting us with your inquiry!

Travel health insurance plans are for sudden and unexpected situations. Similarly they cover any acute onset or sudden recurrence of a pre-existing condition but have specific conditions under which pre-existing conditions are covered. Any preventive care work is not covered by the short term travel health insurance plans. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
Plans from INF provide full pre existing condition coverage.
INF Elite(Comprehensive plan): The plan covers up to age 99. Please see here to know the coverage details:
INF Premier short term plan(Fixed benefits): This plan covers up to age 99.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please more details here:
Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Dear customer support,

I need international travel insurance satisfying the following conditions:

• It will cover all the pre-existing condition like Heart Issues ?
• Also, what will be the coverage If I increase my deductible to the highest level 5,000?
• Does it need any pre-approvals ?

Thank you,
Manu

Dear Manu,

Thank you for contacting us at American Visitor Insurance! We are always striving to provide the best and most options for international travelers.

Plans from INF have been introduced that provide full pre existing condition coverage:
INF Elite: This is a comprehensive plan and provides a policy maximum option of $75,000 for the age range of 70 to 99.Depending on the deductible selected and the age the coverage varies from 20,000 to 25,000. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see here for more details:
INF Premier plan: This is a fixed benefits plan and this plan provides a policy maximum of $100,000 for age range of 70 to 99. Depending on deductible selected and the age, coverage varies form 15,000 to 60,000. Please see here for more details:
Trawick International have plans that are unique in offering coverage for "acute onset" of pre-existing conditions for up to $25,000 for persons over 70 and under 90 years of age. The price of the policy for younger travelers makes it an economical option for coverage of acute onset of pre-existing conditions up to the medical maximum for those under 70 years. This plan will cost about $1,499 for the dates you gave me with a $50,000 maximum and a $250 deductible. Please find the answers to your questions below:

• It will cover all the pre-existing condition like Heart Issues ?
  Answer: The plan covers acute onset of pre-existing conditions up to a maximum of $25,000.
• Also, what will be the coverage If I increase my deductible to the highest level 5000?
  Answer: The coverage level is not affected by deductible. The deductible is what your visitor will have to pay (for any medical expenses) before the insurance begins to pay on their behalf.
• Does it need any pre-approvals ?
  Answer:In general, no. There are no pre-approvals necessary. For somethings, like hospital stay, you must tell them as soon as possible. Also, if a doctor orders a particularly expensive test (MRI), you should call for pre-certification, just in case. But you can go to any doctor, including specialist without a referral.

For information on the policy and to buy it, please use these pages:
Do let us know if you have any further questions or concerns by email or phone. We are more than happy to assist you!
We wish you and your family safe and happy travels!

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

I'm asking about the insurance plan I can go for that covers pre-existing condition, my daughter has a Scoliosis, and heart surgery to cover a heart whole along with birth?

I'm asking about the hospitals, clinics and Accredited Therapy Centers such as JanzenandJanzen?

Thank you,
Ala Mahjoub

Dear Ala Mahjoub,

Thank you for your inquiry and allowing us at American Visitor Insurance to help you with your insurance needs. I am sorry to inform you that none of our insurance plans will cover your daughter's pre-existing conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition.

If you have any questions, please feel free to call us at +1 (877) 340 7910 and we are more than happy to help by answering any further questions you may have.
Thank you for providing us an opportunity to be of service to you!

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hello,

We are 3 members (2 Seniors, 66 & 68) and 1 Adult (30). We would be travelling from India to Singapore on Jan-18th 2017 while returning on Jan-22 2017.

My mother (66) is heart patient and diabetic (Got her valve replaced in 1987) while father has no such issues.
Can you suggest a policy for Visitor's insurance that covers these pre-existing medical conditions?

Thank you,
Shivesh

Dear Shivesh,

Thank you for your email. Here are some plans that are best suited for people with pre existing conditions.

INF Elite network: This is a comprehensive plan from INF and provides full pre existing condition coverage. The amount covered depends on the deductible chosen and the age of the individual. This plan covers up to the age of 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see the plan details for more information:
INF Premier plan: This is a fixed plan from INF and provides full pre existing condition coverage. The amount covered depends on the deductible chosen and the age of the person. This plan covers up to age 99.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see here for more details:
Travel Medical USA Visitor Basic plan: This is a fixed plan from Seven Corners and this plan provides a policy maximum of $100,000 for people in age range of 70 to 99. Acute onset of pre existing condition coverage is available with the plan up to the age of 79.
Here is another plan from Trawick International. This plan provides a policy maximum of $50,000.

Safe Travels USA Comprehensive plan:

You can also buy the same plan for yourself or the Atlas International.
If you need further assistance, please feel free to contact us.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hello,

My mother in law is ill in canada. the MRI came with results. She wants to travel to USA for healthcare.

Thank you,
Syed

Dear Syed,

Thank you for your inquiry and allowing us at American Visitor Insurance to help you with your insurance needs. We offer several visitors insurance options for acute onset of pre-existing conditions to individuals that are specifically worried about coverage of pre-existing conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition, however we have identified the plans that have some coverage for preexisting conditions for individuals traveling out of their home country. Please note that some diseases are excluded from coverage like HIV and cancer, so consult the list of exclusions of the plans to be sure your condition is not excluded. Also, policies will not cover traveling to a country IN ORDER to receive treatment. The situation must be unexpected.

You can compare quotes offered by the different pre-existing coverage plans at - Visitor Medical Compare

The best coverage for acute onset of pre-existing conditions is now found in the Travel Medical plan. If you purchase a $1 million maximum policy, you can get coverage for pre-existing for up to $150,000 which is the most you can get for pre-existing conditions. The benefit is graded to the maximum with a $500k max having a $125,000 benefit, the other plans offer coverage to their maximums for a pre-existing condition. This benefit is for persons under 70 only and the policy can be purchased for up to 6 months.

To get a quote and/or buy the insurance (we highly recommend choosing plan A/E over plan B/F due to the differences in coinsurance)
Safe Travels USA Comprehensive plans includes coverage for acute onset of pre-existing conditions, emergency medical evacuation, repatriation and security evacuation benefits.
Another excellent option is the Patriot Platinum plan which can be purchased at high maximums ($500k, $1 million and $100k for persons over 70). Their coverage is also for "acute onset" of pre-existing conditions for up to $50,000 for medical expenses and an additional $25,000 for emergency medical evacuation for persons up to age 65. US citizens with primary health plans are covered to the policy maximum and those without are covered up to $20,000 only. After age 65, both US and non-US citizens are covered up to $2,500 for pre-existing conditions.
An economical option comes with the Inbound USA plan which covers any pre-existing condition up to the maximum of the plan you purchase one time with benefit limits as listed for the plan. As a fixed plan, it only covers set amounts per each medical expense (see brochure for details) and is only for persons under 70 years old.
The most limited plan is with the very popular and economic Visitor's Care plan. They offer a "Heart Care Plus" rider which can be purchased which covers of $5,000 (for persons under 70) or $2,500 (for persons 70 and up) in the event of a heart attack or stroke even if due to a pre-existing condition.
You can also visit Pre-existing coverage visitor insurance plans page for summary table. If you have any questions, please feel free to call us at 1-877-340-7910 and we are more than happy to help by answering any further questions you may have.
Thank you for providing us an opportunity to be of service to you!

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,
I am 26 year old visitor visiting US on visitor visa. Are there any good comprehensive What is acute onset of pre existing condition?

Thank you,
Neehaa

Dear Neehaa,

Thank you for your email. Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.

Claims for acute onset or recurrence of pre-exiting condition will be determined by the provider and the claims department of the insurance company.
If you are looking for plans that will cover acute onset, use this link : Pre-existing Coverage Plan
Please let us know if we can help you further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hello,

I'm am writing to request a quote on travel health insurance for my father.

He is staying with me in Florida and would like health insurance coverage from Augus 1 to Octor 31, 2016. He has a pre-existing heart condition. Please provide a quote, details of the policy, and instructions on how I can purchase the policy.

Thank you,
Jing Wang

Dear Jing Wang,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!

Here are the best pre existing condition coverage plans that provide full pre existing condition coverage for people up to the age 99. The specific coverage amount covered depends on the actual age of the individual and the deductible selected.
INF Elite network: This is a comprehensive plan from INF and is available for both US and Non US citizens visiting the US. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details.
INF Premier short term plan: This is a fixed plan that is available for both US and Non US citizens visiting the US.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details:
The other 2 plans that we have for your father cover the sudden recurrence of the pre existing condition up to the age 70. One is a Fixed Plan and the other is a Comprehensive plan. Both the plans are from the same company IMG(International Medical Group).
To understand the difference between the Fixed and the Comprehensive plan, please visit the below link : Fixed Vs Comprehensive. 1. Visitors Care (Fixed): The Visitors care policy by IMG is very affordable and makes it a hugely popular choice short term medical insurance for visitors to USA.
2. Safe Travels USA Comprehensive (Comprehensive plan):This includes coverage for acute onset of pre-existing conditions, emergency medical evacuation, repatriation and security evacuation benefits.
Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

Are Chronic health conditions covered, ie Atrial Fibrilation or Ulcerated colitis

Thank you,
Sonia

Dear Sonia,

No. They are not. You can get some conditions covered for "acute onset" of a preexisting condition, but a condition must be stable and fully controlled. Also, the "new" situation must be "unexpected" not a worsening of a chronic condition. Note that some conditions are specifically excluded in policies (not those you mention, however, but HIV infection, cancer, to name a few.

See such policies here:Pre-existing conditions Plans
If you have any questions, please feel free to call us at (877) 340 7910 and we are more than happy to help by answering any further questions you may have.
Thank you for providing us an opportunity to be of service to you!

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

I need insurance for my parents who are here in Australia. Their Indian insurance plan will expire soon and they are going to stay for one more month and I am looking for something that covers my father's situation. He is 63 years old and he went through a hospital treatment for 5 days in the hospital. This was some infection in blood. He is also diabetic and has heart problems. I want a plan that covers his pre existing condition and his recent hospital treatment and any follow up check up for the same. It will be great if I get a plan that meets my requirements.

Thank you,
Geetha


Dear Geetha,

Thank you for contacting us for your insurance needs.

I know that the insurance company will not cover for any treatment taken that occurred before the policy became effective. However if you need a plan for your father for future needs, this plan is a good comprehensive plan that covers pre existing condition up to the age of 70 for Non US citizens traveling outside their home country. This is the plan that we recommend for your father.

The Patriot insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America.
This company has recently made a new policy which covers "acute onset of pre-existing conditions" for persons under 70 years of age. That policy is called Patriot America Plus and is in all other ways the same as the Patriot America policy.
You can get all information about Patriot America Plus insurance by reviewing the website. You can buy the Patriot America Plus insurance policy online.
Feel free to call or email us with any questions or comments you may have.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

I am planning to call my parents from India to USA for 5 months. My father regularly visits doctor in India for his spine problem. which health insurance policy would be better to continue the treatment for his problem in USA too? I have seen Patriot America Plus as an option. I would like to know if there is any other better policy that will be helpful to me.

Thank you,
Lakshman

Dear Lakshman,

Thank you for your inquiry and allowing us at American Visitor Insurance to help you with your insurance needs. We offer several visitors insurance options for acute onset of pre-existing conditions to individuals that are specifically worried about coverage of pre-existing conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition. The term "Acute Onset of a Pre-Existing Condition(s)" shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.

So with your dad's case, his regular visit to the doctor for his condition will not be covered by any of our insurance plans.
The Patriot America Plus plan covers people for new sickness and emergency and covers for "acute onset" of pre-existing condition.
To find other plans that cover's acute onset of pre-existing condition, use link: Pre-existing conditions coverage plans
If you have any questions, please feel free to call us at 1-877-340-7910 and we are more than happy to help by answering any further questions you may have.
Thank you for providing us an opportunity to be of service to you!

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

I am looking for a Pre-existing Condition insurance for my 4 year old daughter who is a UK resident for Travel to USA from 21st Dec 2015 to 10 Jan 2016. Does Patriot American plus provide coverage for Pre-existing condition like Epilepsy & Cerebral palsy? Please call me to discuss.

Thank you,
Suresh

Dear Suresh,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!

Patriot America Plus does provide coverage for acute onset of pre existing condition.
Any sudden recurrence of the pre existing condition is covered up to the maximum policy limit in this plan.
Here are the links for the policy details for your reference:


Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

My parents are Non US citizens and are 77 and 78 respectively. I am looking for health insurance plans for them during their visit to US with good coverage for pre existing conditions.

Can you help with this?
Thank you,
Elisa

Dear Elisa,

Thank you for contacting us at American Visitor Insurance ffor your travel health insurance needs! Here are the policies that are suited for senior citizens:

INF Elite network: This is a comprehensive plan from INF and is available for both US and Non US citizens visiting the US. They are available up to the age of 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
INF Premier short term plan: This is a fixed plan that is available up to the age of 99.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details of the plan:
Travel Medical USA Visitor Basic: This is a fixed plan from Seven Corners and provides coverage for a max of $100,000 up to the age of 99. This plan covers acute onset of pre existing condition up to the age of 79. Here are the details:
Travel Medical USA Visitor Choice plan: This is also from Seven Corners. This is similar to the Travel Medical USA Visitor Basic plan but slight difference can be observed with the benefits.
Atlas America: An excellent option is found in the Atlas America/International plan. They cover the pre-existing condition up to the medical maximum which can be up to $1,000,000. The coverage for pre-existing conditions is only available for individuals under 70 years of age who are non-US citizens. To get a quote and purchase the plan, use the link below:
Atlas Premium: An excellent option is found in the Atlas Premium/International plan. They coverage for pre-existing condition is up to the medical maximum of the plan which can be up to $1,000,000 maximum. The coverage for pre-existing conditions is only available for individuals under 70 years of age who are non-US citizens. To get a quote and purchase the plan, use the link below:
Safe Travels USA Comprehensive:Safe Travels USA Comprehensive, plan provides only $50,000 policy maximum option for people above 70.

Let me know if I have missed any of the information or in case of any questions.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

I am an Indian Citizen currently working in AUE and is looking for a health insurance. One of the I a 68 years old male and my 58 years old wife will be coming to USA early next year under the sponsorship of my son who is an American citizen. Initially we will be on a B1/B2 visa and later our status will be converted to permanent residents with a green card. I understand that we will not eligible for Medicare etc as we have not lived in USA before and therefore need to get a private medical insurance policy. Please confirm if you have any comprehensive medical policy which will cover us fully including ore-existing diseases if any. Looking forward to your response with all necessary details.

Thank you,
R.L.Keshwani

Dear R.L.Keshwani,

Thank you for contacting us at American Visitor Insurance for your needs. Here are the plans that provide the full pre existing condition coverage.

INF Elite: This comprehensive plan from INF and covers up to the age of 99. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see the details here:
INF Premier plan: This is a fixed plan from INF and covers up to the age of 99.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Please see the details here:
We offer several visitors insurance options for acute onset of pre-existing conditions to individuals that are specifically worried about coverage of pre-existing conditions. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition.
The term “Acute Onset of a Pre-Existing Condition(s)” shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Atlas America is a great choice particularly if you are interested in $100,000 maximum and your visitor is under 80 years of age since they offer a matching $100,000 for coverage of "acute onset" of pre-existing conditions. This is also a great option because if you use in-network providers, you only pay deductible and no coinsurance (you pay 20% out of network of the first $5,000 in medical bills).
The other excellent option is Patriot America Plus by IMG:
Let us know if you have any further questions.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

I have a US passport but am a permanent resident of Istanbul Turkey. My husband is a Turkish What does 6 months waiting period mean? If we go to the hospital for precondition then it won't be covered for 6 months? Or would it look back 6 months from when we went the hospital n see if we were ever in the hospital for it? If we weren't then they would cover?

Also if we need the dr for blood test or precription it would not cover for 6 months ? Is there a waiver for creditable insurance if you have that would the 6 months would be waived?

Thanks,
Sam

Dear Sam,

That's a great question and it does depend on the company and their definitions and limitations. I have put their verbiage below:

Pre-existing Condition Limitation:
Benefits are not available for any services received on or within 180 days after the Eligibility Date of an Insured Person, if those services are related to a Pre-existing Condition as defined in the Definitions section.
This limitation does not apply to the Medical Evacuation Benefit, the Repatriation of Remains Benefit and to the Bedside Visit Benefit.
Here's how they define a pre-existing condition:
Preexisting Condition means any disease, illness, sickness, malady or condition which was diagnosed or treated by a legally qualified physician prior to the effective date of coverage with consultation, advice or treatment by a legally qualified physician occurring within 180 days prior to the Coverage Date for the insured.
So, something pre-existing but more than 6 months before the start date of the policy (unless requiring on going treatment) will NOT be considered a pre-existing condition. AND treatment on pre-existing conditions will not be covered for the first 6 months of the policy. That would apply to ALL medical costs (medicines, dr visit, blood test, etc) EXCEPT emergency medical evacuation, repatriation, and bedside visit benefits (as stated in their policy).
Let us know if you have any further questions.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,
I am looking for medical insurance for 21 yrs old with pre existing conditions. Do you have any plans available?

Thanks,
Dandan

Dear Dandan,

Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!
Here is the link for the policy we spoke about over the phone. This plan has a pre-existing coverage.

Student Secure:
Student Secure also cover at 80/70%. The Secure plan can be purchased with a $300k maximum. To get a free quote and/or buy the insurance:
Student Health Advantage is a very thorough plan. It has a $1 million maximum and a $35 deductible and covers at 80/60%. The plan also covers pre-existing conditions with a 6 month waiting period. To get a free quote and/or buy the insurance:

Study USA:

Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hello Again,

1. What is meant by remark ? : With purchase of "Heart Care Plus" rider provides $2,500 in event of heart attack or stroke even if due to a pre-existing condition.

2. I, an Indian Citizen, am diabetic and hyper Tension. I take medicines for both, and both are under good control. I have also Permanent Implanted Pace make (Medtronic, US make) since last 5 years.
Please inform me what exact illness and circumstances are not covered / fully covered in both Insurance policies offered (a) Visitors care - Heart care Plus and (b) Patriot Platinum Comprehensive
3. What is the exact difference between the two policies ?
4. Is a visit to medical doctor in US covered under Heart Care Plus policy?
5. If any blood tests are carried out in US, will they be covered under Policy?

Thanks,
Hi! I chatted with Amit earlier today and am sending this to both of you in response. It looks like a colleague did respond to Nalin, but on a different email address, so I will try this one. Please see answers beneath your questions:
1. What is meant by remark ? : With purchase of "Heart Care Plus" rider provides $2,500 in event of heart attack or stroke even if due to a pre-existing condition.
The "Heart Care Plus" is a rider for which you pay extra on the policy.
It covers only $2,500 in the event of a heart attack or stroke. As I explained to Amit, this would NOT cover any emergency needs arising from diabetes or other pre-existing condition.
2. I, an Indian Citizen, am diabetic and hyper Tension. I take medicines for both, and both are under good control. I have also Permanent Implanted Pace make (Medtronic, US make) since last 5 years.
Please inform me what exact illness and circumstances are not covered / fully covered in both Insurance policies offered (a) Visitors care - Heart care Plus and (b) Patriot Platinum Comprehensive
As mentioned above, the Visitor's Care plan WITH the Heart Care plus only covers $2,500 in the event of heart attack or stroke. The Patriot Platinum plan also covers only $2,500 for any pre-existing condition. So this amount would be available for any emergency due to any pre-existing condition.
3. What is the exact difference between the two policies ?
The Visitor's care is a fixed plan and the Patriot Platinum is comprehensive. Please see the links to the brochures (below) for details.
4. Is a visit to medical doctor in US covered under Heart Care Plus policy?
Doctor visits if you are sick are covered by either plan. The Visitor's Care policy only pays $85 for doctor visit (subject to deductible). The Patriot plan would cover it subject to deductible and coinsurance (10 or 20% of the first $5,000 in expenses).
5. If any blood tests are carried out in US, will they be covered under Policy?
Any blood tests, X-rays, procedures would be covered for any covered illness as prescribed by a doctor. The Visitor's Care plan is subject to individual medical expense limits (see brochure for details), where the Patriot plan is always only subject to one time deductible and one time coinsurance.
Here are links for the brochures and links to purchase and/or get a free quote on the policies:

Visitors Care

Patriot Platinum

You can get all information about Patriot Platinum plan by reading the plan brochure and Patriot Platinum insurance policy online..
Since both plans are offered by the same insurance company, they use the same PPO. Note that you are not required to use the PPO, but get some direct and indirect benefits from using it (the coinsurance is only 10% if the PPO is used, but 20% outside it; indirectly get benefit of negotiated pricing).
To search for providers in their PPO network: imglobal ppo network
I hope I have been able to answer your questions and provide you with enough information to make your decision. Do let us know if you have further questions or concerns. It will be our pleasure to assist you.
Feel free to contact us in case of any questions or concerns.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hello,

Please can you suggest insurance plans for my parents visiting me in the US that offers coverage for pre-existing conditions?

Also for how long can I buy the policy and how isthe premium paid (monthly)?


Thanks,
Scott Mead

Dear Scott,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Here are the links for the policies that satisfy your needs:

Here are some plans that cover people up to the age of 99.
INF Elite: This is a comprehensive plan from INF and offers a maximum of $75,000 for people in the age range of 70 to 99. This plan provides full pre existing coverage. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the details:
INF Premier plan: This is a fixed plan and offers full pre existing condition coverage up to the age of 99.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. The coverage is specific to the deductible chosen and the age of the individual. Here are the details:
Travel Medical USA Visitor Basic: This is a fixed plan from Seven Corners and provides a policy maximum of $100,000 for people above 70 up to 99. It offers acute onset of pre existing condition coverage for people up to age 79.
Travel Medical USA Visitor Choice plan: This is a fixed plan and is similar to the Basic plan but the specific benefit coverage varies. Here are the details:
Below are a few more comprehensive plans if interested:
1. Atlas America from WorldTrips:Atlas America is a great choice particularly if you are interested in $100,000 maximum and your visitor is under 80 years of age since they offer a matching $100,000 for coverage of "acute onset" of pre-existing conditions.This is also a great option because if you use in-network providers, you only pay deductible and no coinsurance (you pay 20% out of network of the first $5,000 in medical bills). These features make it a really good option for visitors to the US.
Policy Period: This plan has a policy period of 364 days.
To get a quote and purchase the plan, use the links below:
2.Patriot America Plus from IMG: The other excellent option is Patriot America Plus. They are very economically priced. They offer coverage for "sudden and unexpected recurrence" of a pre-existing condition up to choosen plan maximum for customers up to 70 years. The coinsurance is only 10% of the first $5,000 after the deductible. These benefits make this plan another excellent choice.
Policy Period: This plan can be bought for up to 2 years.
To research your options, check prices, brochure or PPO network, you can go to this page on our website:

Payment of premium: The money you pay is for the entire duration that you specify while purchasing with the start and the end date.
Please let us know if we can help you in any further.

Regards,

www.americanvisitorinsurance.com
Customer care
877 340 7910

Hello,

Can you tell me which kind of disease you will cover if I buy a fixed insurance for my mom? And what's the difference between fixed and comprehensive insurance? It covers different diseases or similar?

Thanks,
Narendra

Dear Narendra,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! We do not have a list of diseases that we cover.

Our traveler's health insurance primarily covers any new illnesses and emergency. If your concern is for pre-existing condition, we have plans that cover "acute onset" of pre existing condition. Coverage for pre-existing conditions is limited to what is called an "acute onset" of a pre-existing condition, however we have identified the plans that have some coverage for preexisting conditions for individuals traveling out of their home country. Please note that some diseases are excluded from coverage like HIV and cancer, so consult the list of exclusions of the plans to be sure your condition is not excluded.
You can compare quotes offered by the different pre-existing coverage plans at - visitors medical compare pre-existing
You can also view the brochure for each of the plans from the above link.
To understand the difference between the fixed and comprehensive plans, please refer to - Fixed comprehensive coverage
Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

Does all the suggested policies for providing coverage for pre existing conditions cover high blood pressure as a pre existing condition without limit of look back period? And if they have a look back period, does it mean that it will only cover high blood pressure that within this period? My mom has high blood pressure for 10 years.

Thanks,
Sarah

Dear Sarah,

Thank you for contacting us at American Visitor Insurance for your needs!

Pre-existing conditions are medical ailments for which a person has been diagnosed, is being treated for or has before the start of the insurance policy.
Since these policies provide coverage for pre-existing conditions, High blood pressure coverage will be available as a pre-existing condition.
All of these policies are Comprehensive insurance for visitors and they have a look back period of 3 years or 36 months for the pre existing condition coverage.
When the look back period for the plan is 3 years, the conditions for which the treatment has been received in the time period of 3 years prior to the insurance coverage effective date will not be covered.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hello!

I am a little bit confused about the 'look back period' you mentioned. Does this mean the plan will only cover the high blood pressure that appeared within last 3 years? My mom's has been in high blood pressure for over 10 years (more than 3-year limit). So the plan will not cover it, right? Maybe my understanding about the 'look back period' is wrong.:)

Albert

Dear Albert,

A "look back" period is used to define what is considered a pre-existing condition. If you had some medical issue longer ago than the look back period (and you don't have it anymore), then it would NOT be considered pre-existing any longer and would be covered by the plan as any other illness. The problem with chronic illness, of course, is that you have it your whole life. In that case, you have to get a policy that WILL specifically cover "acute" or sudden onset of the pre-existing condition (it will not cover regular medication or regularly needed treatment).

That is why the policies I mention will work in case your mother would have some emergency due to her pre-existing condition. The look back period is not relevant to the coverage of "acute" or "sudden" onset of the pre-existing condition.
I hope that clears it up for you.
Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Dear customer support,

Me (63 Years), and My wife (69 years), intend to visit USA from 5th July to 17 th Oct 2013, from My wife is 57 yrs old and she is travelling between USA and Europe for 6 months. She needs coverage for acute onset of pre existing conditions. Can you suggest a plan that can cover her in both locations and provide coverage for pre existing conditions?

Thanks,
Singhal

Dear Mr Rajendra,

Your wife can purchase the Atlas America plan from WorldTrips.. She can enter US as the destination country. This will cover her both inside and outside of US as long as she is travelling outside of her home country.

Alternatively, she can purchase two separate policies one for her stay in the USA and another for her trip outside US. This will work out cheaper as the coverage rates in the USA are higher than the outbound travel rates.
Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Dear Sir/Madam

I am looking for travel insurance options for my parents who are 72 and 67 year-old and have pre-existing conditions as blood pressure for my dad and kidney stone for my mom. Are kidney stones considered a pre existing condition.They will be visiting USA from Oct 29 to Jan 15. Please let me know if the insurance quote I got from here covers the pre-existing conditions as described above

Thanks,
James

Dear James,

Thank you for your inquiry and allowing us to help you with your insurance needs. We offer several visitors insurance options for acute onset of pre-existing conditions to individuals that are specifically worried about coverage of pre-existing conditions. Most of the plans provide coverage for pre-existing conditions for "acute onset" of a pre-existing condition, however we have identified the plans that have some coverage for preexisting conditions for individuals traveling out of their home country. Please note that some diseases are excluded from coverage like HIV and cancer, so consult the list of exclusions of the plans to be sure your condition is not excluded.

You can compare quotes offered by the different pre-existing coverage plans at - visitors medical compare pre-existing
INF Elite plan: This is a comprehensive plan from INF. This plan provide full pre existing condition coverage unlike most of the other plans. This plan covers people up to the age 99 . The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered. Here are the plan and coverage details of this plan.
Inbound USA plan from Seven Corners has been updated where it comes in two versions as Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice. Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice plans provide coverage for acute onset of pre existing conditions up to the age of 99. The coverage reduces for the ones in the age range of 70 to 99. Please see here for plan and coverage details:
The most limited plan is the very popular and economic Visitor's Care plan. They offer a "Heart Care Plus" rider which can be purchased which covers of $5,000 (for persons under 70) or $2,500 (for persons 70 and up) in the event of a heart attack or stroke even if due to a pre-existing condition.
You can also visit Pre-existing coverage visitor insurance plans page for summary table.
If you have any questions, please feel free to call us at 1-877-340-7910 and we are more than happy to help by answering any further questions you may have. Thank you for providing us an opportunity to be of service to you!

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Dear customer support,

My parents are visiting us for 6 months and need medical insurance that suits them.

My father is a senior citizen and is diabetic and my mom is in her 50's with high blood pressure.
I would like to get the physical done for them during their stay.
Kindly suggest which insurance better suits them.
Neelima

Dear Neelima,

Thank you for contacting American Visitor Insurance with your inquiry. We are able to provide very good coverage for both parents for new ailments or injuries sustained in an accident. We also have some plans that provide coverage for the acute onset of a pre-existing condition. To suggest a plan that is best suited for the travelers concerned we need your father's exact age.

You can review some of the available plans at - visitors medical compare pre-existing
Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Dear customer support,

I need a travel insurance for me and for my 2 years old daughter.

Our residence is in Argentina.
She has epilepsy, so she needs medical insurance to cover her pre-existing condition.
We are going to travel from Argentina to USA from 1 October to 17 October.
Report cost and payment.
Please, I would appreciate your prompt response.

Thanks,
Maria

Dear Maria,

Unfortunately there is very little coverage in travel insurance with epilepsy cover for 'pre-existing conditions'. You can review the few plans that do offer coverage for 'pre-existing conditions' at - Visitor's medical compare

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Dear customer support,

My spouse is already 9 weeks pregnant can not be covered for pregnancy related treatments during her visit for next 40 days. But can she avail general insurance for other general consultation if she buys ordinary medical cover.

Thanks,
Srikanth

Dear Srikanth,
The Atlas America policy covers complications of pregnancy in the first 26 weeks of gestation. So, the only thing it would NOT cover are regular OB visits, ultrasound, etc. This is the best option for your wife's situation.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,

I have a pre-existing medical condition that I understand acute onset is covered for with your policy. Is the a way I can disclose my condition on my application to buy the insurance as the online form does not have an option to do so.

Thank You!
Alfarida


Dear Alfarida,

You do not need to disclose any of your pre-existing conditions. These conditions may not even be known to you at the time of purchase.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Dear customer support,

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Here are the links for the policy we spoke about over the phone:

For your criteria, here are 2 excellent comprehensive plans from the company IMG.
1. Patriot America: This plan is available for any Non US citizen visiting the US and US citizen visiting the US for short term.
2. Patriot America Plus: This plan is available for Non US citizen visiting the US and US citizen visiting the US for short period of time. This plan covers acute onset of pre-existing condition up to the age of 70.
Here are the 2 plans from the company INF that provide full pre existing condition coverage. This is available for people up to the age of 99.
1. INF Elite: This is comprehensive. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
2.INF Premier plan: This is a fixed benefit plan.The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,
Do you have travel insurance for Covid testing?


Thanks,
Elaine

Dear Elaine,

Thank you for contacting us for Covid travel insurance! We strive to provide the best and most options for international travelers. In that light, we have recently added this policy by Trawick International. It is unique in being a primary health insurance, meaning it will pay out benefits before home country coverage or other health insurance. Insurance with pre existing conditions also offers coverage for "acute onset" of pre-existing conditions for up to $1000 for persons over 70 and under 90 years of age.

The policy is available from any state in the US or can be purchased from abroad. There is also a co-pay of only $30 if you use urgent care (unless you choose a $0 deductible, then there is no copay either). If you are needing testing or treatment for COVID, the company wants you to pre-certify with them (that is, you call them before you seek testing or treatment)!

This plan will cost about $1206 for coverage from June 23 to Dec 31 with a maximum of $500,000 and a deductible of $250.

Safe Travels USA from Trawick International (travel to US):

Do let us know if you have any further questions or concerns by email or phone. We are more than happy to assist you!
We wish you and yours safe and happy travels!

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910