Pre-existing coverage visitor insurance plans

Short term visitor medical insurance plans are designed to protect against sudden accidents or illnesses and usually do not include benefits for preventive care, immunizations, dental or vision care. These Short term plans also do not cover pre-existing medical ailments. However the plans displayed in this page do provide some coverage for acute onset of pre-existing conditions. Acute onset means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately.

Pre-existing condition insurance plan for visitors

Age
Spouse Age
Start Date
End Date
Coverage
Citizenship
Fixed Benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Covers acute onset of pre-existing conditions
  • $50,000 plan limit offers coverage of $50,000 for eligible expenses
  • $75,000 plan limit offers coverage of $75,000 for eligible expenses
  • $100,000 & $130,000 plan limits offer coverage of $100,000 for eligible expenses
  • The plan also covers up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14 days to 69 years
  • Select Age
  • Coverage   
  • Deductible
  • $56.11 PER MONTH BUY
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Coverage for pre - existing conditions

Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
Eligibility No age limit
  • Select Age
  • Coverage   
  • Deductible
  • $73.53 PER MONTH BUY
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Covers acute onset of pre - existing conditions
  • Up to policy maximum per coverage period subject to the sublimits for each benefit.
  • Treatment must be received within 24 hours of the onset
  • Up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14 days - 69 years
Policy must become effective within 180 days of your arrival in US.
  • Select Age
  • Coverage   
  • Deductible
  • $56.42 PER MONTH BUY
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Covers acute onset of pre - existing conditions
  • Up to policy maximum per coverage period subject to the sublimits for each benefit.
  • Treatment must be received within 24 hours of the onset
  • Up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14 days - 69 years
Policy must become effective within 365 days of your arrival in US.
  • Select Age
  • Coverage   
  • Deductible
  • $38.13 PER MONTH BUY
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Covers acute onset of pre - existing conditions
  • Up to policy maximum per coverage period subject to the sublimits for each benefit.
  • Treatment must be received within 24 hours of the onset
  • Up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14 days - 69 years
Policy must become effective within 24 months of your arrival in US.
  • Select Age
  • Coverage   
  • Deductible
  • $62.04 PER MONTH BUY
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Covers acute onset of pre - existing conditions
  • Up to policy maximum per coverage period subject to the sublimits for each benefit.
  • Treatment must be received within 24 hours of the onset
  • Up to $25,000 lifetime maximum for emergency medical evacuation
Eligibility 14 days - 69 years
Policy must become effective within 24 months of your arrival in US.
  • Select Age
  • Coverage   
  • Deductible
  • $69.48 PER MONTH BUY
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Acute Onset of Pre-existing Condition
  • Acute Onset of a Pre-existing Condition - up to policy maximum for age up to 69 years, $35,000 for age 70-79 years, $15,000 for age 80-89 per policy period subject to the sub limits as mentioned ( any coverage related to cardiac disease or conditions is limited to $25,000 for age up to 69 years, $15,000 for age 70 years and above)
  • This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing condition.
  • Maximum Lifetime Limit for Emergency Medical Evacuation of $25,000
Eligibility 14 days to 89 years
  • Select Age
  • Coverage   
  • Deductible
  • $56.11 PER MONTH BUY
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Coverage for Acute Onset of Pre- existing Condition
  • Up to $20,000 coverage for under 65 year old travelers
  • Up to $2,500 coverage for 65+ travelers
  • Excludes chronic and congenital conditions
Eligibility Anyone who is traveling to the United States and is not a U.S. citizen or permanent resident.
  • Select Age
  • Coverage   
  • Deductible
  • $62.97 PER MONTH BUY
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Comprehensive plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Covers acute onset of pre - existing conditions
  • Under age 70:Covers up to overall maximum limit.(excludes chronic and congenital conditions)
  • Age 70 to 79:Covers up to overall maximum limit or $100,000, whichever is lower.(excludes chronic and congenital conditions)
Eligibility For US and Non US citizens travelling outside their home country
  • Select Age
  • Coverage   
  • Deductible
  • $230.95 PER MONTH BUY
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Coverage for Acute Onset of Pre- existing Condition
  • Up to the overall maximum limit
  • Excludes chronic and congenital conditions
  • Under age 70:Covers up to overall maximum limit.(excludes chronic and congenital conditions)
  • Age 70 to 79:Covers up to overall maximum limit or $100,000, whichever is lower.(excludes chronic and congenital conditions)
Eligibility Atlas America is a visitor travel medical insurance plan for visitors to the US
  • Select Age
  • Coverage   
  • Deductible
  • $153.14 PER MONTH BUY
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  • Limited benefit up to the medical coverage maximum (excludes chronic and congenital conditions).
  • $25,000 lifetime maximum for emergency medical evacuation
Eligibility Only US Citizens and non-US citizens whose travel does not include the USA
  • Select Age
  • Coverage   
  • Deductible
  • $46.19 PER MONTH BUY
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Coverage for Acute onset of Pre - existing Condition
  • Up to policy maximum prior to age 70 years
  • $25,000 lifetime maximum for emergency medical evacuation resulting from pre-existing conditions
Eligibility Non US citizens travelling outside their home country
  • Select Age
  • Coverage   
  • Deductible
  • $150.00 PER MONTH BUY
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  • Sudden and Unexpected Recurrence of a Pre - existing Condition
    • Medical: Up to $50,000 lifetime Maximum for age 65 years and under, Up to $2,500 for age 65+
    • Emergency Medical Evacuation: Up to $25,000 of eligible costs and expenses.
Criteria for visting to the USA
  • Applicants under 65 years of age, plan must be purchased within 6 months of arrival in the United States.
  • Applicants over 65 years of age it must begin within 30 days of arrival.
Eligibility Non US citizens travelling outside their home country
  • Select Age
  • Coverage   
  • Deductible
  • $41.25 PER MONTH BUY
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For US citizens:
  • Acute onset of a Pre - existing ccondition Condition
    • Medical:
      • Up to age 65 years with primary health plan - usual, reasonable and customary charges up to plan maximum
      • Up to age 65 years without primary health plan - $20,000 maximum limit
      • 65 years and above with or without primary health plan - $2,500 maximum limits
    • Emergency Medical Evacuation: Up to $25,000 of eligible costs and expenses.
For Non US citizens: Up to 70 years - covers up to maximum limit or $500,000 - which ever is less
Eligibility People travelling home country whose destination excludes US and its territories
  • Select Age
  • Coverage   
  • Deductible
  • $26.40 PER MONTH BUY
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1) For US Citizens
  • Sudden and Unexpected Recurrence of a Pre - existing Condition
    • Medical:
      • Up to age 65 years with primary health plan - usual, reasonable and customary charges up to plan maximum
      • Up to age 65 years without primary health plan - $20,000 lifetime maximum
      • Age 65+ years with or without primary health plan - $2,500 lifetime maximum
2) For Non - US Citizens
  • Sudden and Unexpected Recurrence of a Pre - existing Condition
    • Medical:
      • Up to $50,000 lifetime Maximum for age 65 years and under
      • Up to $2,500 for age 65+
3) For US and Non - US Citizens
  • Sudden and Unexpected Recurrence of a Pre - existing Condition
    • Emergency Medical Evacuation:
      • Up to $25,000 of eligible costs and expenses
Eligibility
Ideal for US citizens travelling outside USA and Non US Citizens travelling outside their home country
  • Select Age
  • Coverage   
  • Deductible
  • $133.75 PER MONTH BUY
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1) For US Citizens
  • Sudden and Unexpected Recurrence of a Pre - existing Condition
    • Medical:
      • Up to age 65 years with primary health plan - usual, reasonable and customary charges up to plan maximum
      • Up to age 65 years without primary health plan - $20,000 lifetime maximum
      • Age 65+ years with or without primary health plan - $2,500 lifetime maximum
2) For Non - US Citizens
  • Sudden and Unexpected Recurrence of a Pre - existing Condition
    • Medical:
      • Up to $50,000 lifetime Maximum for age 65 years and under
      • Up to $2,500 for age 65+
3) For US and Non - US Citizens
  • Sudden and Unexpected Recurrence of a Pre - existing Condition
    • Emergency Medical Evacuation:
      • Up to $25,000 of eligible costs and expenses
Eligibility
Ideal for US citizens travelling outside USA and Non US Citizens travelling outside their home country
  • Select Age
  • Coverage   
  • Deductible
  • $433.75 PER MONTH BUY
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Waiver of Pre-existing Condition: United States Residents outside the United States
  • Age 0-69: $25,000
  • Age 70 & over: $5,000
  • Emergency Services & Assistance limit $25,000
Acute Onset of a Pre-existing Condition: Non-United States Residents in the United States
  • Age 0-69: $15,000
  • Age 70 & over: $2,500
  • Emergency Services & Assistance limit $25,000
Eligibility Ideal for US citizens travelling outside USA and Non US Citizens travelling outside their home country
  • Select Age
  • Coverage   
  • Deductible
  • $142.21 PER MONTH BUY
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Waiver of Pre-existing Condition: United States Residents outside the United States
  • Age 0-69: $50,000
  • Age 70 & over: $10,000
  • Emergency Services & Assistance limit $25,000
Acute Onset of a Pre-existing Condition: Non-United States Residents in the United States
  • Age 0-69: $30,000
  • Age 70 & over: $5,000
  • Emergency Services & Assistance limit $25,000
Eligibility Ideal for US citizens travelling outside USA and Non US Citizens travelling outside their home country
  • Select Age
  • Coverage   
  • Deductible
  • $127.49 PER MONTH BUY
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Waiver of Pre-existing Condition: United States Residents outside the United States
  • Age 0-64: To the medical maximum (with a primary health plan)
  • Age 0-64: Up to $50,000 (without a primary health plan)
  • Age 65+: Up to $2,500 (without a primary health plan)
  • Emergency Services & Assistance limit $25,000
Acute Onset of a Pre-existing Condition: Non-United States Residents in the United States
  • Age 0-69: $50,000
  • Age 70 & over: $10,000
  • Emergency Services & Assistance limit $25,000
Eligibility   Ideal for US citizens travelling outside USA and Non US Citizens travelling outside their home country
  • Select Age
  • Coverage   
  • Deductible
  • $316.59 PER MONTH BUY
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Coverage for Acute Onset of Pre- existing Condition
  • Up to $25,000 coverage for under 65 year old travelers
  • Up to $2,500 coverage for 65+ travelers
  • Excludes chronic and congenital conditions
Eligibility Anyone who is traveling to the United States and is not a U.S. citizen or permanent resident.
  • Select Age
  • Coverage   
  • Deductible
  • $278.73 PER MONTH BUY
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Coverage for Acute Onset of Pre- existing Condition
  • Up to $20,000 coverage for under 65 year old travelers
  • Up to $2,500 coverage for 65+ travelers
  • Excludes chronic and congenital conditions
Eligibility Anyone who is traveling to the United States and is not a U.S. citizen or permanent resident.
  • Select Age
  • Coverage   
  • Deductible
  • $131.17 PER MONTH BUY
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Unexpected Recurrence of a Pre-existing Condition
  • The plan pays, up to $1,000 for the chosen deductible and coinsurance for covered medical expenses resulting from a sudden, unexpected recurrence of a pre-existing condition while traveling outside the home country.
Eligibility 14 days to 89 years
  • Select Age
  • Coverage   
  • Deductible
  • $167.25 PER MONTH BUY
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Acute Onset of Pre-Existing Condition
  • Up to age 69: Up to the maximum limit per period of coverage (Except for any coverage related to cardiac disease or conditions, which will be limited to $25,000)
  • Age 70 and above: Up to $25,000 per period of coverage (Except for any coverage related to cardiac disease or conditions, which will be limited to $15,000
  • This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing condition.
  • Maximum lifetime limit for emergency medical evacuation $25,000
Eligibility 14 days to 89 years
  • Select Age
  • Coverage   
  • Deductible
  • $140.43 PER MONTH BUY
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Unexpected Recurrence of a Pre-existing Condition
  • The plan pays $1,000 subjected to chosen deductible and coinsurance of covered medical expenses resulting from a sudden, unexpected recurrence of a pre-existing condition while traveling outside the home country.
Eligibility 14 days to 89 years
  • Select Age
  • Coverage   
  • Deductible
  • $137.33 PER MONTH BUY
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Find out more about Pre-existing condition visitors insurance

Frequently asked questions?
Simply put, Pre-Existing Conditions for Visitors to the USA is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not.Read more.
No , there are no medical tests required for purchasing pre-existing condition insurance plan for visitors.
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for pre-existing conditions. You can compare travel insurance to usa with pre existing conditions plans that offer acute onset of pre-existing conditions coverage using our compare tool option.
Given the dilemma regarding travel insurance for pre-existing condition coverage, and its importance, American visitor insurances presents resourceful information about visitor insurance for Pre-existing conditions coverage. We try to explain with objectivity and transparency the options available for travel insurance with pre-existing condition coverage. All the policies that cover acute onset of 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 .
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