Student Insurance for Pre-Existing Condition Benefit

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Student Insurance Pre-Existing Condition Coverage

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There are only few insurance companies who offer coverage for pre existing medical conditions under international student medical insurance plans. This page will give an insight to the coverage details and sum assured for pre existing conditions under student medical insurance. Refer to the details of pre existing conditions under student insurance and select plan to buy online.

Pre-Existing Benefit Coverage in Student Insurance

IMG international student health Insurance plans offering Pre-Existing Condition Coverage

1. Patriot Exchange

  • Covers Pre-existing conditions after 12 months of waiting period
    • Eligible medical expenses: $5,000 lifetime maximum
    • Emergency medical evacuation: $25,000 maximum
  • Pre-existing conditions - For conditions existing within 36 months before effective date, charges excluded until after 12 months of coverage and then $500 maximum per period of coverage and $1,500 lifetime maximum.

2. Student Health Advantage

  • Standard plan: Charges excluded until after 12 months of continuous coverage
  • Platinum plan: Charges excluded until after 6 months of continuous coverage

WorldTrips Insurance plans offering Pre-Existing Condition Coverage

1. Atlas America

  • Acute onset of pre-existing condition only available to members under age 80
    • Under age 70: Up to the overall maximum limit.
    • Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower.
    • Excludes chronic and congenital conditions
    • $50,000 lifetime maximum for emergency medical evacuation.
  • An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage.

2. Student Secure

  • Student Secure Elite: Pre-existing conditions covered after 6 months waiting period
  • Student Secure Budget: Pre-existing conditions covered after 12 months waiting period
  • Student Secure Select: Pre-existing conditions covered after 6 months waiting period

All Student Secure plans offers Acute onset of pre-existing conditions up to $25K lifetime maximum for eligible expenses.

  • Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers medical expenses only. Return to your home country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.

Global Underwriters Insurance plans offering Pre-Existing Condition Coverage

1. Diplomat America

  • Covers Pre-existing conditions after 24 months of waiting period.

2. Diplomat Long Term

  • Sudded Recurrence of a Pre-existing Conditions covers up to $20,000; ($2,500 for age 65 years and older) with waiting period of 18 months(for US citizens only)
Compare Global Underwriters Diplomat insurance plans
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GeoBlue Insurance plans offering Pre-Existing Condition Coverage

1. Navigator

  • The plan covers pre-existing conditons with creditable coverage.
  • The 365-day pre-existing conditions period can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan.

Travel Insure Insurance plans offering Pre-Existing Condition Coverage

1. Study USA

  • Study USA Standard: Covers up to $500 maximum per certificate period; 12 months waiting period
  • Study USA Preferred: Covers after 12 months waiting period
  • Study USA Platinum: Covers after 6 months waiting period

Popular countries among international Students

j1 visa

Not on a F1 visa? Please review these other visa categories

J1 visa holders

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Insurance plans for dependents of an F1 visa holders.

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US Student Abroad

Insurance plans for US students studying outside their home country.

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J2 dependents

Insurance for J2 visa dependants satisfying visa requirements.

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OPT Status within F1 visa

Insurance plans for students on OPT status, OPT student health insurance.

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M1 visa holders

Medical insurance for students on vocational training.

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Steps to buy
Best International insurance for student

Step 1: Finding the available best health insurance for international plans

Complete the student insurance quotes request form by providing details of the student and insurance requirements.

Step 2: Compare the different medical insurance options from the student insurance quotes for USA student visa requirements for students

Student insurance comparison will help you identify what fits your needs best.

Step 3: Buy the student insurance that you like best.

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

Step 4: Review the student insurance plan documents received by email

Review the international student health insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step travel insurance

Resourceful international medical insurance information for students

Student Insurance FAQs

Commonly asked questions about international student health insurance.
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Health insurance resources

Resources to help you understand Student Health and Travel Insurance.
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Factors to consider

Factors to consider while buying best student health insurance USA.
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International student insurance coverage for pre-existing conditions FAQ's

01. What qualifies as pre-existing conditions?

Pre-existing conditions are those health related conditions that could be injuries, diseases, physical or mental conditions that already exist in a person and in some cases the condition is maintained by taking regular medication at the time of the purchase of the insurance plan. Some insurance plans have defined it as "Any existence of symptoms in an ordinarily prudent person that would cause him to seek diagnosis, treatment or care within the 6 months immediately prior to the effective date under the insurance policy of the insured.

02. What is the waiting period for pre-existing conditions?

It is a special period during which the insured needs to wait for after the policy is effective to avail the benefits under the plan for some specific diseases or conditions where the insured needs to be covered. These conditions are pre-existing conditions and the waiting period for this in student insurance plans vary between 6 months to a year. It depends on the insurance plan. Each plan is different and has different waiting periods or no waiting periods.

03. What are the benefits covered with pre -existing conditions?

Pre existing condition cover plans benefits include:

  • Emergency medical evacuation due to pre pre-existing condition and sudden recurrence of the pre existing condition.
  • The hospitalization expenses for the treatment of the sudden recurrence.
  • The medications and treatments expense for the situation
  • And any other covered expense listed in the plan for pre existing condition

With the pre existing condition plans, the insurer cannot raise the premium rates or the charge extra in lieu of pre-existing condition coverage which is included in the plan. the plan cannot deny coverage based on the health condition of the insured once the plan has been purchased and become effective. All other medical expenses must be covered as usual and not be affected by pre existing condition coverage.

04. What pre-existing conditions are not covered in health insurance?

In most cases, any condition or disease that is chronic or life long treated are usually excluded from coverage as pre existing condition:

  • Cancer
  • Alzheimer's
  • Parkinson's disease
  • Dementia

Some of the other pre existing conditions that are excluded normally, however get covered in a Pre existing coverage plan:

  • Epilepsy
  • Diabetes
  • Lupus
  • Sleep Apnea
  • Pregnancy
  • Kidney and Gall Bladder stones
  • Arthritis...

05. What is pre pre-existing condition/disease waiver?

Pre-existing conditions are usually excluded in the coverage in a travel medical insurance plan. If there is a pre-existing condition waiver available with the plan, then it is one of the important things that can be added to the plan. This will cover the excluded pre-existing condition if the eligibility requirements are met for the waiver to be applicable. In other words, the trip cancellation related or medical claims related expenses which might be excluded will now be covered when you purchase the plan with the waiver. This is helpful for travelers with chronic diseases the coverage for which will be waived when the waiver is applied. Eligibility for waiver:
Here are the eligibility criteria for the waiver:

  • You need to purchase the travel insurance on the date of initial trip deposit or within 7 - 30 days of the same.
  • You need to purchase the travel insurance for the full cost of the trip. Certain plans only insure the non refundable costs of the trip. In case of subsequent addition of this, you need to add that to the trip cost of the plan by the date of deposit.
  • You need to be medically fit and stable to travel.
  • You need to cover the entire trip and not just a portion of it.

Best health insurance for international students in USA

Which is the best student insurance in USA?

Health insurance for F1 students in USA, Medical insurance for international students
  • Patriot Exchange Covid insurance offers coverage for coronavirus sickness
  • IMG's Patriot Exchange insurance is designed for International students or Cultural Exchange scholars.
  • Student Health Advantage insurance offers Covid19 international student health insurance for medical expenses due to Covid illness.
  • This plan may be renewed for up to five years.
  • Student Secure provides excellent insurance cover to international students and scholars outside their home country.
  • WorldTrips Student health insurance by Student Secure Insurance covers Covid19 illness for international students outside their home country.
  • Study USA student insurace includes coverage for Covid19 illness.
  • Study USA Health Insurance provides affordable student medical insurance to foreign students studying in the US and to US registered students studying abroad.
  • GeoBlue Navigator Student coronavirus insurance offers coverage for medically necessary COVID-19 testing and treatment is covered.
  • Offers worldwide coverage for international students and faculty outside their home country.
  • Offers Unlimited annual and lifetime medical maximum.
  • Pre-existing conditions exclusion can be waived with proof of prior creditable coverage.
  • Coinsurance is waived for care outside the U.S.
  • Sports, terrorist and alcohol-related injuries are covered
  • Exceeds J-1 visa requirements
  • No waiting period associated with any preventive services.

F1 visa student insurance

Hopefully we have seen the end of the pandemic with most parts of the globe being vaccinated and large populations now having the necessary immunity. However, it still remains important for international students to have student health insurance with COVID coverage as the cost of healthcare in the US is very expensive. At American Visitor Insurance, we offer several international student insurance with Covid coverage.

Earlier international students in the US had to buy affordable care act, ACA (Obamacare) compliant medical insurance, however recent changes have removed this requirement. International students can now buy student health insurance plans offered on our website without violating US government requirements.

International Medical Group health insurance plans for international students in the US

The International Medical Group offers affordable student health insurance coverage for Covid19 medical expenses. Their popular Covid19 International student health insurance plans are

TravelInsure insurance for F1 students

TravelInsure Covid19 student health insurance by Study USA (Plus, Preferred and Platinum plans ONLY) offers international health insurance with coronavirus coverage for students outside their home country.

GeoBlue insurance for F1 students

GeoBlue student health insurance by Navigator for Student covers medically necessary COVID testing and treatment.

International students can compare student insurance plans to most appropriate plan that suits their specific needs.

There are some F1 visa students on the OPT status who are not enrolled in any classes. In this situation students are not limited to buying US student health insurance and can buy short term US visitors medical insurance. The visitors insurance plans are cheaper and work well for international students while they are not enrolled in classes. International students can review US visitors medical insurance plans that fit your needs.

Please know we are here to help you make an informed decision to get international students insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Student medical insurance – Blogs and article

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Student Insurance pre-existing condition coverage

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Best insurance for international students

Cheapest F1 student health insurance

Students when they travel outside their home country to study along with the university academic experience also get an opportunity to experience a new culture and to see different parts of the world and meet new people with varied backgrounds. We work with several US insurance providers that offer excellent student F1 health insurance.

We have developed an excellent compare F1 visa student travel insurance tool and have article and FAQ's with information for the best travel insurance for F1 students studying abroad. Our international student insurance plan comparison facilities lists the student travel insurance that satisfies the student requirements.

Student health insurance

Students can find the cheapest health insurance for international students in USA as well as outside the USA. Other than the cost, we also display relevant coverage details of health insurance for international students on F1 visa studying in the USA.

Nationalities of large international student groups in the US

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