🌬️ What Is Asthma?
Asthma is a long-term condition that makes it harder to breathe because your airways can get swollen, inflamed, or narrowed. This can lead to asthma attacks, where breathing becomes difficult and the airways produce extra mucus. Travel insurance can help by covering medical expenses if you need treatment for an asthma attack while traveling, including doctor visits, hospital care, and medications. Some plans even cover sudden asthma flare-ups, even if you already have the condition.
🛡️ How Visitors Insurance Helps Travelers With Asthma
If you have asthma and are traveling outside of your home country, visitor insurance might give you some peace of mind and may cover the unexpected emergency treatment related to your asthma. Most visitor insurance plans do not cover routine doctor visits or medications for asthma. However, some travel insurance plans cover serious conditions related to your asthma in the event of an asthma attack.
The asthma coverage also depends on the insurance company and visitor insurance plan. Asthma is considered to be a pre-existing medical condition and will normally have limits and/or exclusions. This is why, on American Visitor Insurance, you want to compare pre-existing condition visitor insurance plans and understand the policy details. For example, some plans cover medical treatment resulting from an acute exacerbation of asthma, but there are conditions to cover such exacerbation (depending on the insurance company and plan) and eligibility may include waiting periods.
💙 What Are the Benefits of Visitor Insurance for Asthma?
Visitor insurance is necessary for travelers with asthma to help them feel more secure while traveling. In the event of your pre-existing medical condition becoming a medical problem that is unexpected, Visitor insurance will assist in covering the medical expenses incurred. Visitor insurance can protect you in various ways, including:
🚑 Emergency Care
Visitor Insurance will cover any doctor visits, emergency rooms, and any treatments you receive afterwards if you experience an asthma attack.
🩺 Pre-Existing Condition Coverage
Some Visitor insurance plans will cover asthma as a pre-existing condition if complications arise while traveling.
💊 Medication Support
Visitor insurance will help pay for emergency asthma medication while you are traveling.
👨⚕️ Access to Doctors
Visitor insurance will help you identify the appropriate doctors or hospitals that would treat you while traveling.
🕊️ Peace of Mind
Visitor Insurance limits your potential out of pocket cost should a medical situation come up, allowing you to enjoy your trip rather than worrying about health care costs!
⚕️ Why Do You Need Travel Insurance for Asthma?
If you have asthma, travel to a new location can bring special risk factors, as you will be introduced to new triggers outside of your normal routine and for the reasons associated with leaving your group of support. Travel involves leaving your instant comfort zone to prepare for unexpected situations, such as losing your inhaler, running out of your medicine, or not being able to reach a doctor. Going away can be concerning whether your symptoms are modest or require continuing treatment.
Travel insurance that covers asthma emergencies can be beneficial and ensure access to any needed medical assistance from an asthma attack while traveling, and protect you from exorbitant medical expenses. Most standard insurance plans do not cover routine visits or daily asthma management; while certain policies of travel insurance do cover pre-existing conditions like asthma completely. They may include coverage for emergency medical treatment when you have a flare-up.
With American Visitor Insurance, travelers have the option to select from the best pre-existing condition plans, including INF Elite X, INF Elite 90 X, INF Premier X, INF Elite Plus X, and Visitors Protect. All these options cover chronic conditions, including asthma, and offer protection for the even emergency medications, hospitalization, and other treatments while travelers are abroad.
Before you purchase any travel insurance plan, it is very important that you check the fine print on your insurance purchase. The ideal policy would clearly reflect asthma as a covered existing condition, so you are covered if you need to take emergency medicine or need care through a hospital or treatment during your trip. Coverage for this condition will provide an important sense of comfort and allow you to travel more safely and freely.
✈️ What Are Some Tips for Traveling With Asthma?
- Carry extra medication: Always pack more inhalers and medicines than you think you’ll need, and keep them in your carry-on bag.
- Keep prescriptions handy: Carry a copy of your doctor’s prescription in case you need to refill your medication abroad.
- Check your destination: Research air quality, weather, and pollen levels at your travel destination to prepare for possible triggers.
- Inform travel companions: Make sure family, friends, or travel partners know about your condition and how to help in case of an attack.
- Have a medical plan: Know where the nearest hospital or clinic is and keep emergency contacts handy.
- Buy the right insurance: Choose a visitor insurance plan that covers asthma as a pre-existing condition (such as INF Elite X, INF Elite 90 X, INF Premier X, or Visitors Protect).
- Stay consistent with routines: Try to take your medications at the same time daily, even when traveling across time zones.
💊 Which Travel Insurance Plans Cover Asthma?
INF Elite X insurance provides full pre-existing condition coverage up to age 99, making it ideal for elderly travelers with chronic heart conditions. It is a strong option for parents visiting the U.S. who need comprehensive protection.
The top plans for asthma coverage include INF Elite X, INF Premier X, Visitors Protect, INF Elite Plus X, and INF Elite 90 X. They are suitable for travelers of all ages who want protection against asthma-related medical emergencies.
With American Visitor Insurance, travelers can compare different plans, review coverage details, and select the best option for their health and travel needs. Always provide accurate information about your medical history to make sure your coverage is valid and reliable.
Elite X Insurance Comprehensive
star Rating: A Excellent
edit_square Underwriter: Crum & Forster SPC
INF Elite X provides full pre-existing condition coverage, including asthma, up to age 99. It is an excellent choice for elderly travelers or those with chronic conditions needing comprehensive protection.
- Ages 0–69: Choose from maximum benefits of $25,000, $30,000, $40,000, or $50,000, with deductible options ranging from $1,500 to $10,000.
- Ages 70–99: Coverage for pre-existing conditions up to $20,000 with a $1,500 deductible.
- Includes $15,000 for Hospital/ICU, hospital miscellaneous, and surgeries; $7,500 for emergency services; $5,000 for assistant surgeon; and $500 for prescriptions.
- Emergency medical evacuation covered up to $25,000.
- Policy maximum options from $150,000 to $1,000,000.
- Coverage from 90 days to 364 days.
- This plan can also buy after arrival in the United States.
View INF Elite X insurance brochures in different age groups
Premier X Insurance Fixed benefit
star Rating: A Excellent
edit_square Underwriter: Crum & Forster SPC
INF Premier X offers full pre-existing condition coverage, including asthma up to age 99. It is a reliable and cost-effective option for travelers seeking strong protection.
- Ages 0–69 years:
Option 1 – Choose a pre-existing condition coverage limit of $20,000, $30,000, $50,000, or $150,000 with a deductible of $1,000.
Option 2 – Choose a pre-existing condition coverage limit of $40,000, $60,000, $100,000, or $200,000 with a deductible of $5,000.
- Ages 70–99 years:
Option 1 - $15,000 Maximum Benefit; subject to a $1,000 Deductible.
ption 2 - $25,000 Maximum Benefit; subject to a $5,000 Deductible.
- Emergency medical evacuation covered up to $25,000.
- Policy maximum options from $100,000 to $1,000,000.
- Coverage from 90 days to 364 days.
- This plan can also buy after arrival in the United States.
View INF Premier X insurance brochures in different age groups
Elite 90 X Insurance Comprehensive
star Rating: A Excellent
edit_square Underwriter: Crum & Forster SPC
INF Elite 90 X provides full pre-existing condition coverage, including asthma for travelers up to age 99.Covers 90% of eligible medical expenses related to asthma flare-ups or complications during travel. It is a reliable choice for travelers who want strong protection for a shorter visit.
- Ages 0–69: Choose from maximum benefits of $25,000, $30,000, $40,000, or $50,000, with deductible options ranging from $1,500 to $10,000.
- Ages 70–99: Coverage for pre-existing conditions up to $20,000 with a $1,500 deductible.
- Includes $15,000 for Hospital/ICU, hospital miscellaneous, and surgeries; $7,500 for emergency services; $5,000 for assistant surgeon; and $500 for prescriptions.
- Emergency medical evacuation covered up to $25,000.
- Policy maximum options from $150,000 to $1,000,000.
- Coverage from 90 days to 364 days.
- This plan can also buy after arrival in the United States.
View INF Elite 90 X insurance brochures in different age groups
Visitors Protect Insurance Comprehensive
star Rating: A-
edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
Visitors Protect provides temporary coverage for asthma and other pre-existing conditions up to age 99, making it ideal for extended stays or long-term visits.
- Ages 0–69 years: Maximum coverage $25,000 with a $1,500 deductible.
- Ages 70–99 years: Maximum coverage $20,000 with a $1,500 deductible
- Emergency medical evacuation covered up to $25,000.
- Policy maximum options from $50,000 to $150,000.
- Coverage from 90 days to 364 days.
Elite Plus X Insurance Comprehensive
star Rating: A
edit_square Underwriter: Crum & Forster SPC
INF Elite Plus offers full pre-existing condition coverage, including asthma up to age 99. It is ideal for travelers seeking premium protection, comprehensive benefits, and coverage that includes hospital care, prescriptions, and wellness services.
- Ages 0–69: Covers pre-existing conditions up to $25,000 with a $1,500 deductible.
- Ages 70–99: Coverage for pre-existing conditions up to $20,000 with a $1,500 deductible.
- Includes $15,000 for Hospital/ICU, hospital miscellaneous, and surgeries; $7,500 for emergency services; $5,000 for assistant surgeon; and $500 for prescriptions.
- Emergency medical evacuation covered up to $25,000.
- Policy maximum options from $150,000 to $1,000,000.
- Coverage from 90 days to 364 days.
View INF Elite Plus X insurance brochures in different age groups
❓Have questions?
Our support team is ready to assist you.
❓Travel Health Insurance For Asthma – FAQ’s
Check if the plan includes pre-existing condition coverage, hospitalization for asthma attacks, ER visits, and emergency evacuation. American Visitor Insurance lets you compare INF and IMG plans side by side.
The best options for travelers with asthma are INF Elite X, INF Premier X, and INF Elite Plus X, as they provide full pre-existing condition coverage and strong protection for asthma-related emergencies
Yes. Asthma is always treated as a pre-existing condition because it is a diagnosed, ongoing respiratory condition. Travelers should choose a plan that includes full pre-existing condition coverage, such as INF Elite X, INF Premier X, INF Elite Plus X, or INF Elite 90 X, to ensure flare-ups or complications are covered during their trip.
❤️ Why Choose American Visitor Insurance for Asthma Travel Insurance?
- Trusted Source: Compare reliable U.S. visitor insurance plans that cover asthma and related respiratory conditions.
- Compare Side-by-Side: Easily compare benefits, exclusions, and pricing for INF Elite X, INF Premier X, INF Elite Plus X, Visitors Protect, and INF Elite 90 X.
- Customized Coverage: Options for seniors, parents visiting the U.S., or travelers with chronic asthma needing ongoing care.
- Full Protection: Includes hospital stays, ER visits, surgeries, medical evacuation, and treatment for asthma flare-ups.
- Transparent Pricing: Get instant quotes with clear costs and no hidden fees.
- Strong PPO Networks: Wide hospital acceptance in the U.S. with smooth claims processing.
- 24/7 Support: Assistance with policy selection, claims, renewals, and emergency medical needs.
- Peace of Mind: Ensures travelers with asthma are financially and medically protected while traveling.
