Travel insurance for Diabetics as a pre-exiting condition

Travel Insurance for Diabetes

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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

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**'

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.

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.

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.

Covid-19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. At America visitor insurance travelers can get visitors insurance for Covid-19 illness. We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.

Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. 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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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 $100,000, $150,000 and $300,000 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 $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.
  • 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 $150,000, $250,000 and $300,000 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 Network 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 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.
    This plan provides a fixed policy maximum of policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years.
    policy maximum of $75,000 covers pre existing condition and provides up to $20,000 with a pre-existing deductible of $1,500.There is a minimum purchase of 90 days required to buy this plan
  • INF Elite 90 plan: This plan provides a fixed policy maximum of policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years.
    policy maximum of $75,000 covers pre existing condition and provides up to $20,000 with a pre-existing deductible of $1,500.
    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 Plus: Travel Medical Plus Pre-existing conditions Visitors Insurance for international travelers
    Travel Medical Plus insurance offers coverage for acute onset of pre-existing conditions up to the age of 74 years for acute onset of pre-existing conditions.
    Travel Medical Plus offers
    14 days to 69 years:$50,000,Ages 70 to 79 years: $5,000 offer Worldwide Including the United States.
    Ages 14 days to 64 years:$50,000,Ages 65 to 74 years: $10,000 offer Worldwide Excluding the United States.

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 factors 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.
Best travel insurance with pre-existing condition coverage -

For eg - Age: 40 years; Duration: 1 Month; Deductible: $0

Plan name
Pre-existing coverage
Estimate Plan Cost+
(Plan maximum coverage)
  • 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
Coverage: $50,000 - $1,000,000?
Price range: $90 - $170
Buy now
  • 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.
Coverage: $50,000 - $250,000?
Price range: $485 - $728
Buy now
  • 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.
Coverage: $50,000 - $2,000,000 ?
Price range: $110 - $230
Buy now
  • 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
Coverage: $50,000 - $1,000,000 ?
Price range: $90 - $160
Buy now
  • 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
Coverage:$50,000 - $1,000,000 ?
Price range:$90 - $160
Buy now
  • 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.
Coverage: $50,000 - $1,000,000 ?
Price range: $70 - $120
Buy now
  • Travel Medical Plus 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.
Coverage: $50,000 - $1,000,000 ?
Price range: $160 - $290
Buy now
  • 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.
Coverage: $50,000 - $1,000,000 ?
Price range: $110 - $180
Buy now
  • 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
Coverage: $50,000 - $1,000,000 ?
Price range: $130 - $220
Buy now
  • 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 Network 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.
Coverage: $150,000 - $300,000 ?
Price range: $768 - $860
Buy now
  • 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 Network 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.
Coverage: $150,000 - $300,000 ?
Price range: $768 - $860
Buy now
  • 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 Network 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.
Coverage: $150,000 - $300,000 ?
Price range: $752 - $841
Buy now
Best travel insurance with pre-existing condition coverage -
Plan name
Pre-existing coverage
Estimate Plan Cost+ with plan maximum coverage
  • 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)
Coverage: $50,000 - $250,000 ?
Price range: $50 - $190
Buy now
  • It offers coverage for acute onset of pre-existing conditions up to 70 years.
  • Plan can be renewed up to 364 days.
Coverage: $50,000 - $130,000 ?
Price range: $40 - $80
Buy now
  • 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.
Coverage: $150,000 - $300,000 ?
Price range: $278 - $448
Buy now
  • 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.
Coverage: $50,000 - $175,000 ?
Price range: $40 - $60
Buy now

+ Factors that determine the cost of US travel insurance plans:

Age of the traveler

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of travel insurance

Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.

Medical maximum coverage and deductible options

The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.

Duration of travel insurance

The longer the duration of visitor medical insurance required, the higher will be the cost.

Different types of travel health insurance in USA

Fixed Benefit travel health insurance
A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits. Fixed benefit plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.
Comprehensive travel health insurance
Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive travel insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Steps to buy
US pre-existing condition travel health insurance online

 Step 1: Finding US travel insurance plans

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

Compare the price and the benefits of the different pre-existing condition health insurance for USA options to identify what fits your needs best.

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

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

Step by step travel insurance
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Diabetes travel insurance - FAQ

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.

Resourceful visitors insurance for pre existing conditions information

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Factors for travel insurance with pre existing conditions

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Types of visitor insurance

Types of travel insurance for pre existing conditions

Understanding different types of Pre-Existing Conditions Insurance Plans for US Visitors, fixed benefits vs comprehensive coverage.

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Claims Procedure

Travel insurance for pre existing conditions claims procedure

Visitors insurance covering pre-existing conditions claims process for getting medical care in a hospital.

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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.

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