Here are some travel insurance tips for travelers with pre-existing conditions:
The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions
Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.
There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.
At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.
The visitor health insurance plans which cover pre-existing conditions clearly define 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 or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.
Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect 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 a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage for pre-existing conditions.
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.
A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.
Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.
Patriot Travel insurance is a travel medical insurance plan offered by International Medical Group (IMG) that addresses the insurance needs of non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States. Patriot Travel insurance provides coverage for medical expenses, pre-existing consitions, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The insurance offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travellers.
The cost of Patriot travel insurance is dependent on the following factors: The age of the traveller, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium.
To buy the Patriot travel Insurance, you will need the travel dates and passport details of the traveller. This will include the name of the traveller, the date of birth, the passport number and the travel dates.
You can get the quotes and make an instant purchase of Patriot travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.
Patriot Travel insurance provides coverage worldwide except in your country of citizenship.
The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Lite Insurance plan provides coverage for non-US citizens traveling outside their home country. The Patriot America Plus Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot Platinum Insurance plan provides coverage for US citizens traveling outside the US.
Yes, but it has a time restriction for purchase of 30 days within which after arriving in the US. This is for travellers above age 65. For travelers below age 65, there is a 6 month time period after arriving in the US to buy the plan
Patriot Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.
Above 60 years:
Patriot America Plus offers coverage for pre-existing conditions up to the age of 70 years
Patriot America Lite is available but doesn’t offer coverage for pre-existing conditions.
Above 70 years:
Patriot Platinum and Visitors Care coverage offers limited coverage.
Above 80 years:
Patriot Platinum as it offers coverage $20,000 for travelers over 80 years
Other plans - Visitors Care offer coverage of $10,000
Visitors Care is a fixed benefit plans and most affordable plan. This plan has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.