Travel insurance for Diabetics as a pre-exiting condition

Travel Insurance for Diabetes

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Visitors Insurance for Diabetes

Diabetes commonly referred by doctors with the medical terminology Diabetes Mellitus is a disease where the person has high blood sugar level either due to body’s inability to produce adequate insulin or the body cells do not respond to insulin properly. Initial symptoms include frequent urination, increase in thirst and hunger. In 2013 it was estimated that around 382 million people in the world had diabetes.

    There are 3 types of Diabetes:
  • Type 1 Diabetes: This type of Diabetes affects approximately 10% of the population. In this type, body does not produce insulin. People with Type 1 diabetes have to take insulin injections for the rest of their life.
  • Type 2 Diabetes: In this type body does not produce enough insulin. This type affects 90% of the population.
  • Gestational Diabetes: This affects the females during their pregnancy.
Visitor Health Insurance for travellers with Diabetes as a pre-existing condition

Patients with Diabetes have high risk of heart diseases and hence they need to ensure the blood pressure and cholesterol levels are monitored and maintained. Diabetes is primarily self- managed disease. This include usage of supplies like a test strips, meters and insulin.

Travelers from different parts of the world who are traveling to popular destinations in United States should be aware of this fact given the costly health care system in the US. The cost of routine physician visit is very expensive in the US. The common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $25,000.

People with diabetes are often concerned about coverage for diabetes as it is treated as a pre- existing condition. In the US, it was earlier virtually impossible to get health insurance for diabetes but after the Affordable Care Act was passed in 2010, the availability for health insurance has been made easier and affordable for individuals with existing ailments. However the Affordable care act is only applicable to domestic health insurance covering US citizens and US residents, it does not impact travellers who are visiting the US. It is therefore all the more important to know the coverage offered by Visitor insurance for travellers with Diabetes visiting the USA.

Travelers should be aware that visitor insurance plans will not provide any coverage for preventive care, or for regular treatment for an existing ailment. For example in the care of a diabetes patient, visitor insurance will not pay for insulin that a traveller is already using before he or she started this travel.

Here are few of the comprehensive visitor insurance plans along with details of their coverage for a pre-existing condition such as diabetes:

  • Atlas America: If you are younger than 70, you may be covered for an acute onset of a pre-existing condition. Atlas Travel provides a limited benefit up to the medical coverage maximum lifetime for eligible medical expenses. This also includes a $25,000 lifetime maximum for emergency medical evacuation. An acute onset of a preexisting 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.
  • Patriot America Plus: This plan covers the acute onset of pre-existing conditions up to age 70 for Non US citizens. The benefit for this is URC which is Usual, Reasonable and Customary charges for that geographical area. For pre-existing condition emergency medical evacuation, this plan covers up to $25,000 medical maximum.
  • Travel Medical Basic: Travel Medical Insurance offers coverage for acute onset of pre-existing conditions
    • Travel Medical Basic offers
      Ages 14 days to 69 years:$25,000,Ages 70 to 79 years: $2,500, 80 years and older:Not Available offers Worldwide Including the United States.
      14 days to 64 years:$25,000,Ages 65 to 79 years: $5,000, 80 years and older:Not Available offers Worldwide Excluding the United States.
  • Premier Plan: This is a Fixed benefit plan providing policy maximum options of $100K, $150K, $300K,$500K and $1M for the age of 0-69 and $100,000 for the age range of 70-99. This is a full pre existing coverage plan where the coverage includes doctor appointments, blood tests, special care, urgent care which would not be covered under “acute onset” coverage plans.
  • Premier plan provides policy maximum $100k covers pre-existing condition maximum of $20k/$40k with deductible $1k/$5k, policy maximum $150k covers pre-existing condition maximum of $30k/$60k with deductible $1k/$5k and policy maximum $300k covers pre-existing condition maximum of $50k/$100k with deductible $1k/$5k, policy maximum $500k covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years and policy maximum $1M covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years.
  • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15k/$25k with deductible $1k/$5k.
  • Elite Plan: This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above. This plan has policy maximum options of $150K, $250K,$300K,$500K and $1M for people in the age range of 0-69 and $75,000 for people in the age range of 70-99. This is a full pre-existing coverage plan and covers doctor appointments, blood tests, special care, urgent care and any other treatment needed for a condition that was stable before travel, but started becoming an issue during the visitor’s trip.
  • Elite plan covers pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • INF Elite Plus plan: Covers Preventive & maintenance care and coverage for full body physicals.Comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions. Coverage for TDAP, Flu, etc Vaccines.
    Elite Plus plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • INF Elite 90 plan: : Elite 90 plan covers pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    Comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions and covers 90% of eligible medical expenses.There is a minimum purchase of 90 days required to buy this plan.
  • Travel Medical Choice:: This plan offers coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
    Travel Medical Choice insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years for acute onset of pre-existing conditions.
  • Worldwide Including the United States: For the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50,000 coverage is available and for age range of 70 to 79 years, $5000 coverage is available.
    For the acute onset of pre-existing condition coverage other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75,000 coverage is available and for age range of 70 to 79 years, $7,500 coverage is available.
  • Worldwide Excluding the United States: For the acute onset of pre-existing condition coverage for the age range of 14 days to 64 years, $50,000 coverage is available and for the age range of 65 to 79 years, $10,000 coverage is available.

Health insurance for visitors to USA with pre-existing conditions

Please explain the difference between full coverage for pre-existing conditions and coverage for acute onset of pre-existing conditions by US visitor insurance.

Most of the US visitors insurance plans provide coverage for "Acute Onset of Pre-Existing Conditions**". This is insurance coverage when an existing medical ailment becoming life threatening and needs emergency medical care. This coverage will have exclusions for coverage of gradual or slow worsening of the existing ailment which are not life threatening.

INF is one of the few US travel insurance companies offering visitor travel insurance to the US, Canada or Mexico with full coverage for pre-existing ailments. INF offers the best US travel insurance for pre-existing medical conditions with full Pre-existing conditions coverage. INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits and anything related to pre-existing conditions.

Since the INF plans treat pre-existing conditions like any new sicknesses, prescription medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions**'. Some common pre-existing condition exclusions are:

  • A limit on the coverage for certain adverse medical events like a myocardial infraction, heart attack or other Cardiac events.
  • A limit on the number of occurrences within the insured period.
  • Explicit exclusions for ailments like Urinary Tract infections, Kidney infections or Bladder infections.

This additional coverage explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment

01. Why are INF Full travel insurance pre-existing conditions plans more expensive than other travel insurance covering pre-existing conditions?

The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a new Accident and Sickness, subject to the policy maximum and deductible limits. This guaranteed coverage explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions**'

02. Does INF travel insurance really offer coverage for pre-existing conditions?

Even though it is hard to believe, the answer is Yes. INF insurance does cover any pre-existing conditions ranging from Diabetes, Blood pressure, Arthritis and diseases due to Kidney complications. All of these issues are all covered by the INF Premier, INF Elite, Elite Plus and INF Elite 90 best travel insurance for pre existing conditions

Compare the best travel insurance for full pre-existing conditions plans INF Premier & INF Elite best travel insurance for pre-existing conditions.

03. Are prescription medications covered by INF’s visitor insurance with pre-existing conditions coverage plans?

Prescription Medications are covered when prescribe for a recent incident caused by a pre-existing condition. Maintenance medications, such as Lipitor, are not covered under this plan. In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier, INF Elite, Elite Plus and INF Elite 90 plans.

01. Is there any pre-existing exclusions for INF plans?

Yes. There are six main exclusions (applies to all the INF plans) Cancer Dialysis Cataract / Vision sickness Mental Illness (depression / anxiety) Preventive / Maintenance care (except for INF Elite Plus and INF Premier Plus) Sleep Apnoea.

02. Can a Green Card holder buy INF plans?

Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.

03. Can I purchase INF travel insurance plans if I am already abroad?

Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:

  • Latest I -94
  • Health attestation form
  • Any prior health insurance information (if applicable)

The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.

Note: Hop Travel Assist plans are not available if visitors are already in abroad

04. Can I purchase INF travel medical insurance if I already have pre-existing conditions?

Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90 plans that travel insurance with pre existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.

05. What is INF travel medical insurance for pre-existing conditions?

INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.

The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.

INF offers best health insurance for visitors to USA with pre-existing conditions, including the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.

06. What is the INF insurance cost for visitors to the United States?

The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.

07. What are the different types of INF insurance for visitors to the USA?

The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan.

08. What is the difference between the three INF Elite insurance plans?

The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.

The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.

09. How do I apply for INF insurance?

You can apply for INF insurance online through American Visitor Insurance. You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.

10. What is the maximum length of coverage in INF insurance?

The maximum length of coverage for INF insurance is 364 days.

11. For which countries can I buy INF visitor insurance?

INF insurance is available for international visitors to the United States, Canada or Mexico.

12. What are the requirements for applying for INF insurance?

The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.

13. What is the eligibility to buy INF insurance?

To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.

14. What is the minimum requirement to buy INF Elite and Premier plans?

There is a minimum purchase of 90 days required to buy these INF Elite plans.

15. What is the advantage of having the United Healthcare PPO in visitors insurance offered by INF?

The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).

For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.

16. Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?

The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'pre-existing conditions'.

17. Does INF travel insurance really offer coverage for all preexisting conditions?

In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90 best travel insurance for pre existing conditions

Compare the best travel insurance for full pre-existing conditions plans Compare INF Full pre-existing conditions.

Note: **INF Premier, Elite, Elite Plus , Premier Plus and Elite 90 plans have a minimum purchase should be 90 days.

Note: **Both the INF Premier plan and INF Elite plan have a fixed pre-existing condition maximum limit up to which the pre-existing condition is covered.

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Pre-existing conditions visitors insurance

Tips for travelers with pre-existing conditions

Here are some travel insurance tips for travelers with pre-existing conditions

  1. Choose a travel medical insurance with pre-existing conditions coverage.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of look back period for coverage of pre-existing conditions.
  4. Consider buying an US travel health insurance plan with higher medical coverage.
  5. Keep a copy of your medical records and list of medications when you travel.
  6. Take your Doctor's prescription and medications during your trip.
  7. Learn how to access healthcare at your destination.
  8. Contact your US traveler insurance provider immediately in case of a medical emergency.
  9. Disclose all pre-existing conditions when purchasing visitor health insurance.
  10. Follow all procedures while submiting a claim.

What is visitors insurance for pre-existing conditions?

There are many health insurance for us visitors options for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for an acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. This typically includes emergency medical treatment, hospitalization and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is health insurance for travel to USA with pre-existing conditions coverage important?

Traveling anywhere outside worldwide is supposed to be an eye opening, special and a relaxed trip experience. Traveling with a health condition brings in more challenges in order to get covered for the unexpected medical expense in case of odd surprises during the trip. This calls out for an insurance plan that covers the pre-existing conditions that will relieve the unnecessary stress of taking extra care of yourself during your most memorable travel experience.

The plans also will be expensive considering the risks involved to cover pre-existing conditions. Many of the travel insurance plans exclude pre-existing conditions. At American Visitor Insurance we offer plans that cover acute onset of pre-existing conditions as well as some cover full pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02. What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06. Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans.

07. Why are Full Pre-Existing plans more expensive than other visitor medical insurance usa plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08. What services are covered under best travel insurance for usa visitors with full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here:

  1. The INF Elite plans are 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 is required on the plans.
  2. Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
  3. Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
    The plan provides acute onset of non-chronic pre-existing conditions coverage..
  4. Patriot America plus is Comprehensive travel insurance covers acute on set 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.
  5. Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
  6. Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

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Cost of best US travel insurance for pre-existing conditions

There is no single cost for all visitors insurance as the cost of US visitors insurance varies based on several such as the age of the visitor, medical maximum coverage, deductible for the plan, type of visitors insurance (Fixed vs comprehensive travel insurance), and the coverage if any for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day. In general the cost of US travel insurance starts from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the better and more comprehensive will be the travel insurance coverage.

Age: 40 years; Duration: 1 Month; Deductible: $0

  • INF Elite Insurance Full Pre-existing condition

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    Estimate Plan Cost
    Price range $768 - $860
    Coverage range $150,000 - $300,000
    Buy now

    INF Elite Plus Insurance Full Pre-existing condition

    • There is a minimum purchase of 90 days required to buy this plan.
    • Covers Preventive & maintenance care and coverage for full body physicals. Coverage for TDAP, Flu, etc Vaccines
    • Anyone visiting USA or Canada can enroll in this plan.
    • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    • Pre-Existing complications from Covid-19 covered.
    Estimate Plan Cost
    Price range $768 - $860
    Coverage range $150,000 - $300,000
    Buy now

    INF Elite 90 Insurance Full Pre-existing condition

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Covers 90% of eligible medical expenses
    • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    Estimate Plan Cost
    Price range $752 - $841
    Coverage range $150,000 - $300,000
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    INF Premier Insurance Full Pre-existing condition

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan
    • Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
    • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
    Estimate Plan Cost
    Price range $278 - $448
    Coverage range $150,000 - $300,000
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  • Patriot America Plus Insurance Acute Onset of a Pre-Existing Condition

    • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
    • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
    • Available for US citizens visiting USA
    Estimate Plan Cost
    Price range $90 - $170
    Coverage range $50,000 - $1,000,000
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    Visitors Protect Insurance Full Pre-existing condition

    • It is an affordable plan for visitors visiting the US.
    • This plan covers pre existing condition for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
    • Visitors Protect Covid insurance offers coverage for coronavirus illness.
    Estimate Plan Cost
    Price range $485 - $728
    Coverage range $50,000 - $250,000
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  • Travel Medical Choice Insurance Acute Onset of a Pre-Existing Condition

    • Travel Medical Choice Covid insurance offers coverage for coronavirus.
    • Including USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 69 years and a coverage of $5,000 for age of 70-79.
    • Excluding USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age of 65-74.
    Estimate Plan Cost
    Price range $160 - $290
    Coverage range $50,000 - $1,000,000
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    Travel Medical Basic Insurance Acute Onset of a Pre-Existing Condition

    • The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000
    • Including USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years and a coverage of $2,500 for age of 70-79.
    • Excluding USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 64 years and a coverage of $5,000 for age of 65-79.
    Estimate Plan Cost
    Price range $110 - $180
    Coverage range $50,000 - $1,000,000
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  • Atlas America Insurance Acute Onset of a Pre-Existing Condition

    • Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
    • Atlas America Covid insurance offers coverage for coronavirus illness.
    Estimate Plan Cost
    Price range $110 - $230
    Coverage range $50,000 - $2,000,000
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    Visitor Secure Insurance Acute Onset of a Pre-Existing Condition

    • It offers coverage for acute onset of pre-existing conditions up to 70 years.
    • Plan can be renewed up to 364 days.
    Estimate Plan Cost
    Price range $40 - $80
    Coverage range $50,000 - $130,000
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  • Safe Travel USA Comprehensive Insurance Acute Onset of a Pre-Existing Condition

    • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
    • Covers Acute Onset of a Pre-Existing Condition: Up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years and $15,000 for ages 70 and above. Above 70 years the Acute Onset benefits is reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
    • It offers coverage for visitors up to 89 years.
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    Estimate Plan Cost
    Price range $90 - $160
    Coverage range $50,000 - $1,000,000
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    Safe Travel USA Insurance Unexpected recurrence of a pre-existing

    • Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
    • Safe travel USA Covid insurance offers coverage for coronavirus.
    • It offers coverage for visitors up to 89 years.
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    Estimate Plan Cost
    Price range $90 - $160
    Coverage range $50,000 - $1,000,000
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    Safe Travel USA Cost Saver Insurance Unexpected recurrence of a pre-existing

    • Covers unexpected recurrence of a pre-existing medical conditions up to $1000
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    • Eligible for foreign residents visiting USA and worldwide
    • It offers coverage for visitors up to 89 years.
    Estimate Plan Cost
    Price range $70 - $120
    Coverage range $50,000 - $1,000,000
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    Safe Travels Elite Insurance Acute Onset of a Pre-Existing Condition

    • Foreign residents visiting USA and worldwide.
    • Plan can be renewed up to 2 years.
    • The plan provides Emergency Medical Evacuation of $100,000 for the Economy, Basic and Silver plan and covers up to policy maximum for the Gold and the Platinum plan.
    • Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
    Estimate Plan Cost
    Price range $40 - $60
    Coverage range $50,000 - $175,000
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  • Diplomat America Insurance Pre-existing condition exclusion

    • This plan is for Non Us citizens and Non US residents visiting the US.
    • Covers pre-Existing condition exclusion: 24 Months prior to the start date of coverage
    Estimate Plan Cost
    Price range $130 - $220
    Coverage range $50,000 - $1,000,000
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  • Visit USA Insurance Acute Onset of a Pre-Existing Condition

    • Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
    • Visit USA offers 3 plans to satify your requirements and budget.
    • Covers Acute onset pre-Existing condition up to Ages 65 and above: $2,500 ; All others: $20,000(excludes chronic and congenital conditions)
    Estimate Plan Cost
    Price range $50 - $190
    Coverage range $50,000 - $250,000
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Different types of US Visitors travel insurance

Fixed Benefit travel insurance

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

Diabetes travel insurance - FAQ

01. Can you get travel insurance if you have a pre-existing condition?

Absolutely, yes! Travel insurance is meant to cover you in the unlikely event of a sudden illness or accident while you are on your trip. Even if you have a pre-existing condition that complicates treatment, that is not relevant to the coverage for an unexpected illness or injury. Naturally, your pre-existing conditions themselves are excluded from coverage, so you should pack as much medication as you will comfortably need for your trip.

02. Is pre-Diabetes a pre-existing condition for travel insurance?

To answer this question, we need to understand the definition of pre-existing condition under the travel insurance plans, and then see if Diabetes fits under that definition and then see if the travel insurance covers pre-existing condition.

According to the definition of pre-existing condition, this is something that happened before the purchase of the travel insurance. This would absolutely include diabetes as it a health condition that can fit into this broad definition of pre-existing condition.

Now, to check if the travel insurance plan covers pre-existing condition. Normally only some of the US visitors travel insurance plans cover pre-existing condition, and they will include a prerequisite to satisfy the coverage which could be a window before the coverage takes effect. It could also be like after the coverage became effective within 180-day period of preceding and including the date of purchase, the first manifested case which can be acute or is severe that deserves emergency medical attention.

03. Does having Diabetes affect your travel health insurance?

Having a pre-existing condition like Diabetes will not lead to charge more or denial of coverage. This is true for the new travel insurance plans in the marketplace. The premium of the plan varies with the benefits that are offered, the age range of the individual, policy maximum and the deductible.

However, it is important to choose the right plan so that your condition gets covered sufficiently in case of any emergency. There is one great plan available in the market that covers the pre-existing condition in full where it takes care of doctor visits, blood tests, prescription medication ... which is not the case with most other travel insurance plans. INF offers the following comprehensive and Fixed benefits plans respectively that provide coverage for pre-existing conditions. INF Elite, INF Premier

04. Can Diabetics get travel insurance and why buy it?

INF travel health Insurance is available for people with Diabetes and is very useful for traveler with this medical condition. Whether the travel is for a weekend or for longer period, the vacation must be relaxing. It is in this context that having the best travel health insurance which includes coverage for Diabetes is very important while planning for the perfect trip. However, travel insurance for Diabetics is expensive due to the high risk involved. Traveling with diabetes brings the whole new challenge to traveling of maintaining the blood sugars within the recommended range becomes even more harder. Travel insurance for Diabetes is vital as it provides coverage for emergencies during your travel and in the new destination place of your travel.

05. What is covered in the travel protection insurance for Diabetes?

  • Travel protection Insurance for Diabetes doesn't just cover the medical emergencies but the cost of the trip in case the trip needs to be cancelled, stolen or lost luggage expenses.
  • It also covers other pre existing medical conditions other than Diabetes.
  • In case of delay in the flight or delay in baggage delivery , travel insurance will cover the additional costs for the work around.

Looking into the plan carefully and choosing the right plan for your criteria is the key. There are many plans in the market for covering your needs. Coverage for pre-existing conditions is the main criteria, however traveling with Diabetes brings the new challenge of other unknown surprises like cutting short of the trip, cancelling the flight...which needs a plan that covers these costs as well.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers


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US travel insurance for Pre-existing conditions