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 pre-existing conditions insurance plans for US 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. Compare and buy travel insurance for people with Pre-existing medical conditions.

Pre-existing condition insurance plan for visitors to the USA

Age
Spouse Age
Start Date
End Date
Coverage
Citizenship
  • Fixed Benefit Plans
  • Comprehensive Plans

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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Only fixed benefit plan with full pre-existing coverage
  • It includes doctor appointments, blood tests and lab work, special care, urgent care and hospital stays.
  • This plan offers policy maximum options of $100,000 and $150,000. For people in the age range of 70 - 99, this plan provides a policy maximum of $100,000.
  • The deductible options available for this plan are $75 and $250 for age range of 0-69 and for the people of the age range of 70 - 99, the deductible of $250 and $500 are available.
  • There is a pre existing deductible apart from the deductible value mentioned above, that needs to satisfied to avail the pre existing coverage benefit.
  • Pre existing coverage of $20,000/$30,000/$40,000 and $60,000 are available for age 0-69 with deductible options of $1,000 and $5,000.
  • The plan must be purchased for at least 3 months.
Eligibility This plan is available for Non US citizens and the US citizen expatriates visiting the US.
  • Select Age
  • Coverage   
  • Deductible
  • Pre-existing Ded
  • $62.97 PER MONTH BUY
IMPORTANT NOTE: Plan should be purchased for minimum 3 months
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Only fixed benefit plan with acute onset pre-existing coverage
  • The INF Choice Plan is best suited for those who are above 50 years of age, exhibit mild preexisting issues, such as elevated blood pressure or occasional joint pain.
  • The Plan works for all ages, and includes acute pre-existing visitors insurance for age 80+.
  • This plan has a wide range of policy maximum options starting with $25,000 and goes on to $50,000, $75,000, $100,000,$150,000 and $250,000.
  • This plan offers the deductible options of $75,$250,$500, $1000, $5000, $10,000.
Eligibility Available for Non US citizens and the US citizen expatriates visiting the US.
  • 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 $35,000 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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Best comprehensive plan with full pre existing condition coverage available
  • This includes doctor appointments, blood tests and lab work, special care, urgent care and hospital stays.
  • Covers pre-existing conditions up to $2,500 for 65 years & above and all others $25,000.
  • The plan must be purchased for at least 3 months.
Eligibility: Ideal for Non US citizens outside their home country to USA up to 99 years
  • Select Age
  • Coverage   
  • Deductible
  • $137.33 PER MONTH BUY
IMPORTANT NOTE: Plan should be purchased for minimum 3 months
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Coverage for Acute Onset of Pre- existing Condition
  • INF Advantage is a comprehensive acute onset of pre existing condition policy.
  • INF Advantage provides the highest amount of acute onset of pre existing condition coverage in the insurance market.
  • Any new sickness or accidents are covered (bone fracture) or major medical emergencies are covered (Heart attack or stroke).
  • Acute onset of pre existing conditions ae covered for a maximum of $150,000 for age 0-69 and a maximum of $75,000 for age 70-89 with a deductible of $250.
Eligibility: Ideal for Non US citizens outside their home country to USA
  • Select Age
  • Coverage   
  • Deductible
  • Pre-existing Coverage
  • $137.33 PER MONTH BUY
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Travel medical insurance for travelers stranded in the USA, Canada or Mexico because of Coronavirus

It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Of particular note, the company INF insurance which offers travel insurance plans with coverage in the USA, Canada and Mexica. These plans usually have a restriction on coverage of pre-existing medical conditions for their two plans: INF Elite Network Insurance and INF Advantage Insurance unless it is purchased BEFORE the traveler leaves their home country. In light of the coronavirus epidemic, INF is lifting this restriction on pre-existing condition coverage even if purchased after coming to the US.
While many other insurers are NOT covering COVID-19 and even voiding policies due to the pandemic, INF insurance is a REAL option for travelers stuck in the US and needing insurance coverage. The INF travel insurance policy is good if you are replacing an existing travel policy that has expired or maybe you didn't have an insurance policy to begin with. International students in the US, Snowbirds from Canada or the UK, tourists from European nations, even US green card holders can purchase these plans. Note that the INF Advantage plan ONLY offers coverage in the US, while the INF Elite can be used in the US, Canada, and Mexico (even by US citizens who ordinarily reside outside the US). The INF Advantage plan is quite affordable and many travelers and students are even buying this plan to complement their existing insurance option if it has limitations in coverage for COVID-19.
Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
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Travel insurance for Coronavirus (COVID-19)
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Find out more about Pre-existing condition visitors insurance

Frequently asked questions about pre-existing condition visitor medical insurance?

Simply put, a pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Read more.
No , there are no medical tests required for purchasing visitor travel insurance to usa with pre existing conditions.
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for acute onset of pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
Many people, although healthy and able to travel, particularly older travelers take medications for certain medical conditions. While these conditions can be called "normal" for a person of their age, not all people have these conditions and they will be classified as "pre-existing" by an insurance company. If you do NOT have coverage for it, then the policy will pay $0 for any incident of it, emergency or not. The coverage you can get is limited to "acute onset" of a pre-existing condition which can cover an unexpected life-threatening emergency of the condition which would then give you as complete coverage as you could get for your travels or visitor. This is why we offer some options with this coverage for nearly all ages of travelers. For more information, go here.
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