What factors affect the cost of visitor insurance with pre-existing conditions?

The cost of visitor insurance with pre-existing condition coverage depends on several factors including the traveler’s age, duration of coverage, selected medical maximum, deductible amount, and whether the plan offers acute onset coverage for pre-existing conditions.

What is the cost of travel insurance with pre-existing condition coverage outside the USA?

Travel medical insurance with coverage for pre-existing conditions outside the USA generally costs between $55 and $233 per month. The price varies based on the traveler’s age, coverage duration, medical maximum, deductible, and plan benefits. Average costs are commonly calculated using one-month coverage for a 60-year-old traveler.

Is visitor insurance with pre-existing conditions more expensive for older travelers?

Yes, visitor insurance with pre-existing condition coverage is usually more expensive for older travelers. Insurance premiums tend to increase with age due to higher medical risk, especially for plans offering acute onset coverage for pre-existing conditions.

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Best Travel Insurance With Pre-Existing Conditions Coverage FAQ’s

Q: How much does visitor insurance with pre-existing conditions cost in the USA?

The cost of visitor health insurance for the USA with coverage for pre-existing conditions typically ranges from $39 to $229 per month. Pricing depends on factors such as the visitor’s age, length of coverage, medical maximum, deductible, and the level of pre-existing condition coverage. Premiums are generally lower for younger travelers and shorter trips, while higher coverage limits increase the cost.

💬 Get Answers to All Your Pre-Existing Conditions Questions

What is a Pre-Existing Condition?

A pre-existing condition is a medical condition or illness that you have been diagnosed with or received treatment for before obtaining a new health insurance policy. These conditions can include chronic illnesses like diabetes, asthma, heart disease, or even injuries that have long-term effects. Companies use a "look back" period to determine if a condition will be considered pre-existing or not.

Fixed plans tend to have shorter look back periods of only 6 to three months.
Comprehensive plans have longer ones, usually 3 years. Of course, if a person is diagnosed with a chronic illness, they always have it (unfortunately) and it would always be considered a pre-existing condition. However, if someone had a surgery, for a broken bone, more than 3 years ago, no policy would consider this a pre-existing condition.

What are the Pre-existing Coverage options available for visitors?

Given the dilemma regarding pre-existing condition coverage, and its importance, American visitor insurance present resourceful information about Pre-existing conditions. We try to explain with objectivity and transparency the options available for pre-existing condition coverage.

All the policies that cover pre-existing conditions and all the terms and conditions that go with it are displayed in an user friendly manner. You can get quotes and compare the coverage benefits for Pre-existing Conditions at Visitor insurance pre-existing condition coverage.

What types of pre-conditions are covered? For example, at this age of above 80 its pretty normal for someone to have hypertension (moderately high BP)

Normally when we say that the pre existing conditions are covered, only the sudden recurrence of the condition is covered. For people above age 80 pre-existing conditions are not covered. But any new injury or sickness is covered

Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions by the different insurers who offer visitor insurance?

The Look back period for pre-existing conditions by the different insurance plans are -
Fixed Benefits Plans:
(Travel Medical USA Visitor Choice and Travel Medical USA Visitor Basic) - 180 days pre-existing conditions are not covered prior to the start of the insurance coverage. For travelers 70 years and above the look back period is 365 days.

Comprehensive Benefits Plans

Travel Medical Basic, Travel Medical Choice - For travelers traveling outside USA, 12 months pre-existing conditions are not covered prior to the start of insurance coverage.
Patriot America Plus, Patriot International Lite, Patriot Platinum: 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage.
Atlas America, Atlas International: 2 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage
Diplomat America: 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage
Visit USA, WorldMed: 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage

What Is the Difference Between “Pre-Existing Condition Coverage” and “No Pre-Existing Condition Coverage”?

Pre-existing condition coverage means the travel or visitor insurance plan provides limited coverage for medical emergencies related to conditions that existed before the policy start date,such as diabetes, high blood pressure, asthma, or heart disease. Most visitor insurance plans with pre-existing coverage typically include:

Emergency treatment only
Coverage for acute onset of a pre-existing condition(sudden and unexpected)
Coverage limits, age restrictions, and policy conditionsapply

This coverage is not the same as regular U.S. health insurance and does not include routine care or ongoing treatment.No pre-existing condition coveragemeans the insurance plan does not cover any medical expenses related to pre-existing conditions.

Only new illnesses or accidental injuriesthat occur after the policy start date are eligible for coverage.

Are there any medical tests required to buy pre existing visitor insurance?

No, there are no medical tests required for purchasing visitor insurance.

Do you need a medical report of the person with the pre-existing condition?

Not for the short term plans. For some the global/ long term plans the underwriters may ask for some back-up information after seeing your application.

Will we get a document stating that we have insurance and stating that the pre-existing condition is covered?

Once again the short term plans will not provide a separate document even if they have a pre-existing coverage benefit. The global/ long term plans will provide you with clear understanding of what is covered and what is not.

Can you suggest any insurance that will cover pre-existing conditions irrespective of the costs concerned for this coverage?

No visitor or travel insurance plan provides full or unlimited coverage for pre-existing conditions regardless of cost. Most plans offer limited pre-existing condition coverage only under specific circumstances, such as emergency treatment for the acute onset of a pre-existing condition, and are subject to benefit limits and policy restrictions. For detailed options and how pre-existing conditions are covered in visitor insurance, see our guide on visitor medical insurance with pre-existing conditions.

Does US travel insurances cover pre-existing conditions? Can I get international health insurance with a pre-existing condition?

While most US travel insurance plans do not cover pre-existing conditions, some US travel insurance plans do cover acute onset of pre-existing conditions. INF insurance is the one provider who offers travel insurance with coverage for pre-existing conditions.

What is considered as a pre-existing medical condition for travel insurance?

Any pre-existing medical condition is something that the traveler has before or when he/she buys the travel insurance plan. The pre-existing condition can be an illness or any injury. Some other examples of pre-existing conditions are cancer, diabetes or asthma/respiratory issues.

What is the best travel insurance for over 70 with medical conditions?

INF travel insurance offers some US travel insurance with coverage for pre-existing medical conditions which are available for travel to the USA, Canada and Mexico for travelers over 70 years as well.

Can I travel after heart attack?

Yes, many people can travel after a heart attack, but it is important to plan carefully and get medical clearance from your doctor. Make sure your condition is stable and that you are fit for travel.

Having heart attack travel insurance cover is essential to protect against medical emergencies while abroad. American Visitor Insurance offers several suitable plans, including INF Elite X, INF Premier X, INF Elite Plus X, Visitors Protect, Safe Travels USA Comprehensive and Venbrook Premier, which provide coverage for pre-existing heart conditions or the acute onset of cardiac events.

Other important steps include carrying your medical records, taking enough medication, knowing the location of hospitals and emergency services, monitoring your condition during travel, and traveling with a companion when possible.

Which is the best travel insurance for heart patients?

Some of the best travel insurance plans for heart patients include INF Elite X, INF Premier X, INF Elite Plus X, Visitors Protect, Safe Travels USA Comprehensive, Travel Medical Choice, Patriot America Plus, Venbrook Premier, and Atlas America. These plans provide coverage for pre-existing heart conditions or the acute onset of heart issues, helping travelers manage medical expenses and ensuring peace of mind while abroad.
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What Is the Best Health Insurance for Non-US Citizens With Pre-Existing Conditions?

The best health insurance for visitors to USA with pre-existing conditions is listed here:

Safe Travels USA Comprehensive Insurance

Safe Travels USA Comprehensive offers best coverage for acute onset pre-existing conditions available for visitors up to 89 years old.
For persons under 70 years of age, the plan covers the acute onset of pre-existing conditions up to the policy’s medical maximum.
For those aged 70 to 79, non-cardiac acute onset benefits are limited to $35,000, and for travelers 80 years and older, the benefit is limited to $20,000.
In the case of cardiac and stroke-related acute onset incidents, the plan offers up to $25,000 for those under 70, and $15,000 for travelers aged 70 and above.
The Safe Travels USA Comprehensive visitor insurance with pre-existing conditions coverage costs $143 per month for a 50-year-old traveler with a policy maximum of $50,000 and a $250 deductible.

Patriot America plus Insurance

Patriot America plus is comprehensive travel insurance covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 70 years.
This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
Plan is suitable for Green Card holders as long as they reside outside the US.
The Patriot America Plus pre-existing condition coverage for visitors to USA cost $155 for one-month for a 50 year old traveler with a policy maximum of $50,000 and a $250 deductible.

Atlas America Insurance

Atlas America is a comprehensive visitor insurance for acute onset of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
Atlas America travel insurance for pre-existing medical conditions costs $127 per month for a 50-year-old traveler with a policy maximum of $50,000 and a $250 deductible.

Visitors Protect Insurance

Visitors Protect insurance covers temporary medical coverage for pre-existing conditions up to 99 years.
For travelers under 70, coverage is up to $25,000 and for travelers aged 70 years and above, with the benefits up to $20,000 and a deductible of $1,500, providing comprehensive protection for both older seniors and younger travelers.
Designed for visitors traveling to the U.S. for at least 3 months.
The Visitors Protect pre-existing condition travel insurance cost is $1,093 for a 3 months policy (min period) for a 50 year old traveler with a policy maximum of $50,000 and a $250 deductible.

Visitors Preferred Insurance

Visitors Preferred is a comprehensive short-term travel insurance for individuals and families visiting the USA.
This plan covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 70 years.
Venbrook Premier visitor insurance covering pre-existing diseases costs $125 per month for a 50-year-old traveler with a policy maximum of $50,000 and a $250 deductible.

VenbrookPremier Insurance

VenbrookPremier plan offers broader coverage acute onset of pre-existing conditions, covering one sudden and unexpected acute onset of pre-existing condition but only if the traveler receives medical treatment within 24 hours after the first symptoms.
Non-cardiac events are covered up to the policy limit for ages up to 70 years.
While cardiac-related coverage covers up to policy maximum for ages up to 64 years, up to $25,000 for those aged 65 to 69 years and $15,000 for ages 70 and over.
Venbrook Premier visitor insurance covering pre-existing diseases costs $125 per month for a 50-year-old traveler with a policy maximum of $50,000 and a $250 deductible.

INF Elite X Insurance

INF Elite X plan is designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years.
INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage.
Minimum Purchase of 90 days for this plan.
The cost for the INF Elite X pre-existing condition coverage starts at $941 for a 50 year old traveler for a 3 months policy with a policy maximum of $150,000 and a $250 deductible.

How Much Does Best Visitor Insurance With Pre-Existing Conditions Cost?

Best health insurance for visitors to USA with pre existing conditions

The cost of cheap travel insurance for visitors with chronic illnesses ranges from $39 to $229 per month, depending on factors such as visitor’s age, duration of coverage, medical maximum, and deductible.

📌 Tip: Premiums are usually lower for younger travelers and shorter trips, while higher coverage limits increase the cost.

Plan Name	Medical Maximum	Deductible	Acute onset coverage	Cost
Safe Travels Advantage	$25,000	$0	Up to 89 yearsopen_in_new	$39
Visitors care	$25,000	$100	Up to 70 yearsopen_in_new	$40
Safe Travels Elite	$25,000	$0	Up to 89 yearsopen_in_new	$50
Visit USA Budget	$50,000	$250	Up to 65 years and aboveopen_in_new	$49
Safe Travels USA Cost Saver	$50,000	$250	Up to 69 yearsopen_in_new	$139
Visitors Preferred	$50,000	$250	Up to 70 yearsopen_in_new	$148
Atlas America	$50,000	$250	Up to 79 yearsopen_in_new	$151
Patriot America Plus	$50,000	$250	Up to 70 yearsopen_in_new	$164
Travel Medical Basic	$50,000	$250	Up to 79 yearsopen_in_new	$168
Safe Travels USA Comprehensive	$50,000	$250	Up to 69 yearsopen_in_new	$172
Venbrook Premier	$50,000	$250	Up to 70 yearsopen_in_new	$176
Diplomat America	$50,000	$250	Up to 70 yearsopen_in_new	$229

Source: American Visitor Insurance®

Visit USA Budget insurance covers acute onset of pre-existing conditions.
In the event of a medical emergency requiring urgent evacuation due to a pre-existing condition, the plan provides coverage of up to $25,000 for emergency medical evacuation.

	Plan A	Plan B
Acute Onset of Pre-existing Conditions	Ages 65 and above: $2,500 All others: $20,000	Ages 65 and above: $2,500 All others: $20,000

Best pre existing conditions travel insurance cost for outside US

The visitor health insurance USA pre existing conditions cost starts from $55 to $233 per month. The cost depends on the visitor’s age, duration, medical maximum coverage and deductible.

📌 The average cost of travel medical insurance with coverage for pre-existing conditions outside US is based on quotes for one month for a 60-year-old traveler.

Plan Name	Medical Maximum	Deductible	Acute onset coverage	Cost
VisitorSecure	$50,000	$100	Up to 70 yearsopen_in_new	$55
Atlas International	$50,000	$250	Up to 79 yearsopen_in_new	$117
Patriot International Lite	$50,000	$250	Up to 70 yearsopen_in_new	$121
Travel Medical Basic	$50,000	$250	Up to 79 yearsopen_in_new	$121
Intermedical	$50,000	$250	Up to 80 yearsopen_in_new	$121
Atlas Premium International	$50,000	$250	Up to 79 yearsopen_in_new	$164
Safe Travels International	$50,000	$250	Up to 69 yearsopen_in_new	$233

Source: American Visitor Insurance®

Health insurance for visitors to USA with pre-existing conditions

Review US visitor insurance plan benefits.

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How Can You Tell If a Condition Is Considered Pre-Existing for Travel Insurance?

A pre-existing medical condition refers to any health problem you had before your travel insurance started, even if you didn’t know about it.

Insurance companies check your recent medical history (called the look-back period, usually 60 to 180 days) to decide if something counts as pre-existing.

This includes any condition where you:

Were diagnosed or treated by a doctor.
Were taking medicine for the condition.
Had symptoms or tests related to it.
Were advised to see a doctor for it.

Example:

If you took medicine for high blood pressure or diabetes a few months before your trip, that will be seen as a pre-existing condition.

Why Should I buy Visitor Insurance for Pre-Existing Conditions?

There are several compelling reasons for buying Visitors Insurance for Pre-existing conditions. Some of the important reasons are :

Coverage for Sudden Medical Emergencies: Visitor insurance that includes acute onset of pre-existing conditions provides protection if a long-term health issue (like diabetes or heart disease) suddenly flares up during your trip. This helps travelers get timely treatment without facing large medical bills.
Comprehensive Medical Support: These plans not only help with sudden complications of pre-existing conditions but also cover new illnesses, injuries, and doctor or hospital visits that may occur while you’re in the U.S.
Protection Against COVID-19 and Other Infections: If you contract COVID-19 or another covered illness while visiting the U.S., your insurance can help pay for the necessary treatment, ensuring your trip isn’t disrupted by unexpected medical costs.
Emergency Assistance and Evacuation: If your condition worsens and requires transportation to a better-equipped hospital or your home country, emergency medical evacuation benefits can take care of those arrangements and expenses.
Financial Security During Travel: Visitor insurance with pre-existing coverage helps you travel confidently knowing that if your health condition unexpectedly worsens, you won’t face overwhelming out-of-pocket expenses.
Ideal for Senior Travelers: This type of coverage is especially valuable for parents or elderly travelers visiting the U.S., providing peace of mind and essential medical protection throughout their stay.

Why Choose American Visitor Insurance to buy the Best Pre-Existing Condition Travel Insurance?

These are some of the important reasons to use the American Visitor Insurance platform to buy the Best Pre-Existing Conditions Visitors Medical Insurance

Over two decades experience and Thousands of satisfied customers: The staff at American Visitor Insurance have over twenty years of experience in the US visitors Insurance domain. American Visitor Insurance has helped Thousands of international travelers find the best travel insurance for their needs.
Trusted Source: American Visitor Insurance works with top-rated U.S. travel insurance companies and offers plans specially designed for visitors with existing medical conditions, ensuring protection against high healthcare costs during travel. American Visitor Insurance has constantly worked to make it easy for a traveler to make an informed decision and find the best visitor insurance for their needs by providing useful comparison tools, relevant FAQs , customer forums and resourceful blogs.
Compare Side-by-Side: Instantly review coverage, benefits, exclusions, and prices for leading plans including INF Elite X, INF Premier X, Visitors Protect, Safe Travels USA Comprehensive, Travel Medical Choice, and Patriot America Plus.
Tailored Coverage Options: Plans available for visitors to the U.S., senior travelers, and parents visiting children abroad, offering both acute onset and full pre-existing condition benefits.
Comprehensive Protection: Coverage includes hospitalization, emergency medical treatment, doctor visits, prescription drugs, medical evacuation, and repatriation helping manage both new and existing conditions.
Transparent Pricing: Get instant online quotes with clearly listed premiums, deductibles, and policy limits no hidden charges or confusing fine print.
Nationwide PPO Network: Access a large network of PPO healthcare providers in the U.S. for cashless treatment and faster claim settlements.
24/7 Expert Assistance: Our licensed agents are available around the clock to help you select the right plan, understand pre-existing condition terms, renew coverage, or file claims while abroad.
Peace of Mind for Every Traveler: Whether you’re a senior, long-term visitor, or a traveler managing chronic conditions, American Visitor Insurance ensures safety, security, and financial protection wherever you go.

Which Pre-Existing Conditions Are Covered by US Travel Insurance?

Visitor Insurance for Asthma
Compare visitors medical insurance that cover asthma attacks, flare-ups, and emergency treatment abroad.

View Plans »

Visitor Insurance for Arthritis
Find visitors health insurance that helps cover arthritis pain, joint issues, and sudden medical care while traveling.

View Plans »

Visitor Insurance for Diabetes
Get visitors travel insurance for diabetes, including emergency care for sugar level complications while overseas.

View Plans »

Visitor Insurance for Heart Ailment
Choose travel insurance that covers heart problems such as chest pain, heart attack, or cardiac emergencies.

View Plans »

Visitor Insurance for Cholesterol
Protect against health risks from high cholesterol with visitor medical insurance covering related complications abroad.

View Plans »

Visitor Insurance for Hypertension
Find visitor health insurance that covers high blood pressure emergencies, strokes, or related complications while traveling.

View Plans »

How Does Coverage for Pre-Existing Conditions Work?

Definition of a pre-existing condition – what medical conditions are considered pre-existing.
Look-back period – the time frame prior to travel during which a condition is considered pre-existing.
Type of coverage – whether the plan covers only acute onset (sudden flare-ups) or full coverage (ongoing treatment).
Coverage limits – the maximum amount the policy will pay for pre-existing conditions.

Whether a travel health insurance plan covers your pre-existing conditions depends on all these factors.

Acute onset vs. Chronic Conditions

Type	Definition	Examples
Acute Onset of a Pre-Existing Condition	A sudden and unexpected onset of a pre-existing condition that occurs after coverage starts and requires immediate medical attention.	Heart attack, sudden asthma attack, acute appendicitis
Chronic Pre-Existing Condition	A long-term or ongoing condition that existed prior to coverage and is generally managed over time	Diabetes, hypertension, chronic kidney disease

Some visitor insurance plans cover acute onset of certain pre-existing conditions but do not cover chronic management.

Visitor Insurance USA Pre-Existing Condition – FAQ Disclaimer

American Visitor Insurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ.. Insurance questions, comments, suggestions, inquiries about this site, please contact us!

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Best Travel Insurance With Pre-Existing Conditions Coverage FAQ’s

💬 Get Answers to All Your Pre-Existing Conditions Questions

What is a Pre-Existing Condition?

What are the Pre-existing Coverage options available for visitors?

What types of pre-conditions are covered? For example, at this age of above 80 its pretty normal for someone to have hypertension (moderately high BP)

Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions by the different insurers who offer visitor insurance?

What Is the Difference Between “Pre-Existing Condition Coverage” and “No Pre-Existing Condition Coverage”?

Are there any medical tests required to buy pre existing visitor insurance?

Do you need a medical report of the person with the pre-existing condition?

Will we get a document stating that we have insurance and stating that the pre-existing condition is covered?

Can you suggest any insurance that will cover pre-existing conditions irrespective of the costs concerned for this coverage?

Does US travel insurances cover pre-existing conditions? Can I get international health insurance with a pre-existing condition?

What is considered as a pre-existing medical condition for travel insurance?

What is the best travel insurance for over 70 with medical conditions?

Can I travel after heart attack?

Which is the best travel insurance for heart patients?

What Is the Best Health Insurance for Non-US Citizens With Pre-Existing Conditions?

Safe Travels USA Comprehensive Insurance

Patriot America plus Insurance

Atlas America Insurance

Visitors Protect Insurance

Visitors Preferred Insurance

VenbrookPremier Insurance

INF Elite X Insurance

How Much Does Best Visitor Insurance With Pre-Existing Conditions Cost?

Health insurance for visitors to USA with pre-existing conditions

How Can You Tell If a Condition Is Considered Pre-Existing for Travel Insurance?

Why Should I buy Visitor Insurance for Pre-Existing Conditions?

Why Choose American Visitor Insurance to buy the Best Pre-Existing Condition Travel Insurance?

Which Pre-Existing Conditions Are Covered by US Travel Insurance?

How Does Coverage for Pre-Existing Conditions Work?

Acute onset vs. Chronic Conditions

Visitor Insurance USA Pre-Existing Condition – FAQ Disclaimer

What are the top travel insurance companies for pre existing conditions USA?

Visitors insurance with pre existing conditions

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