Health insurance for visitors to USA with pre-existing conditions
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
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:
- 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.
- The VenbrookPremier Insurance This plan provides coverage for the acute onset of pre-existing conditions for visitors under 70 years old, up to the policy maximum.
- Safe Travels USA Comprehensive offers coverage for acute onset of pre-existing conditions up to 70 years the limit is up to the medical maximum purchased per period of coverage and for any coverage related to cardiac disease, coverage is limited to $25,000.
- 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.. - 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.
- 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.
- 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.
Why is Venbrook Premier Insurance the best choice for heart attacks and the acute onset of pre-existing conditions?
A heart attack or stroke is always treated as an emergency and is not considered a pre-existing condition. These events require immediate medical care, and many people who experience them take medications for conditions like high blood pressure, heart disease, or high cholesterol. Other insurance companies may deny claims if they see that the person is on medication for a pre-existing condition. For example Venbrook Premier insurance for a 60-year-old traveler costs $176, with a policy maximum of $50,000 and a deductible of $250.
Venbrook handles this differently:
- If someone has high blood pressure (or another chronic condition) but their condition is under control (meaning they have been following their prescribed treatment), Venbrook will cover the heart attack or stroke
- If the person’s condition was not controlled, then the claim will be looked at under a chronic disease exclusion.
- If the person has no pre-existing conditions (they aren't on any medication for chronic health issues), the event will be covered as a cardiovascular event (not an acute onset, since there was no pre-existing condition).
An acute onset claim could be denied in these situations:
- If the event happens within the first 48 hours after the policy starts.
- If the person doesn’t seek treatment within 24 hours of the event.
- If the person doesn’t follow their prescribed treatment, like not taking medication.
- If the person goes against their doctor’s advice, for example, leaving the hospital against medical orders or trying to run a marathon after being told not to.
- The Venbrook policy is designed to fairly cover claims related to acute onset conditions, as long as the situation meets specific guidelines.
Visitors Insurance for Heart Conditions
Visitors Insurance are very popular given the increase in the number of people traveling outside their home country. People who travel internationally, are often insecure about the coverage for healthcare, while they are in a foreign land. In case of any unforeseen injury or illness healthcare becomes hugely expensive, when it comes to developed countries like the US and other parts of Europe. It is intimidating to be without best international travel health insurance in a foreign land which means you will have to pay out of pocket in case of unexpected injury or sickness that might need medical assistance.
With all this being said, people are eagerly looking to buy health insurance plans for visitors before leaving their home country in order to have this protection shield while traveling. There are various travel health insurance plans also known as visitor insurance plans available online.
Before buying health insurance plan for a temporary basis for visit to a foreign country, it is necessary to remember certain points:- Duration of the visit
- Age of the visitor/visitors
- Home country citizenship
- Destination country
- Any extra coverage needed for the visitor's existing health condition.
The most important exclusion in the insurance for coverage of pre-existing condition is that, the prescription medication and the routine maintenance involved in treating the condition is not covered. Only any emergency or urgent situations, which can be reported by the doctor as acute onset or sudden recurrence of the pre-existing condition will be covered.
Travel insurance Heart Attack
Heart diseases including heart attack rates have increased greatly in the recent years. Studies show that people suffer from various kinds of heart related diseases. Medical care in the US is very expensive. A Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000. As far as the visitor health insurance is concerned, if the condition has occurred prior to the insurance plan becomes effective, it is considered as a pre-existing condition. Heart Attack is one such heart related pre-existing condition. Most of the visitor health insurance for pre-existing condition plans available in the market today, have coverage for the acute onset or sudden recurrence of pre-existing condition. Some visitor insurance plans from INF cover these pre-existing medical ailments. There are various travel insurance for heart attack patients, People with age of below 70 qualify for the maximum coverage available for the acute onset of pre-existing condition in a plan. Some plans limit this age to 65. For people above age 70, the options get limited and similarly the amount covered also reduces. Most comprehensive visitor insurance plans provide minimum coverage for even people above age 70. The bottom line is to find the right plan for your specific needs. Atlas Travel and Atlas Premium insurance for heart conditions from WorldTrips are excellent comprehensive plans which extend their coverage for acute onset of pre-existing condition for people above 70 until age 80. These plans have worldwide coverage available
Travel Medical plans from Seven Corners are definitely good comprehensive choices for travel outside home country which offer health insurance for heart patients. . They have worldwide coverage available with coverage for acute onset of pre-existing condition.
Amongst the Fixed benefit plans, Visitors care insurance offers heart attack travel insurance coverage for acute onset of pre-existing conditions with sublimits.
Another fixed benefit plan from Trawick International called Safe Travels Elite covers up to $25,000 for pre-existing conditions which are cardiac or heart related diseases for people up to and including age 69. For people above this age, the Safe Travels Elite Diamond plan pays up to $15,000 for pre-existing conditions which are cardiac or heart related diseases.
INF travel insurance
INF offers excellent visitors medical insurance in the United States which includes adequate coverage for dental, loss of checked luggage, medical emergencies and accidents incurred while traveling. Following are the best US travel insurance.There are popular visitor insurance plans that offer coverage for pre-existing conditions and heart attack insurance.
- INF Premier 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.
- INF Elite 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. - INF Elite Plus 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. - 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.
Testimonials - From Our Customers
I had a no-problem trip but Seven corners was easy to deal with in the securing of the travel insurance and dealing with a few issues prior to departure.
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I have always gotten a quick response with a live person. I placed a claim, we will see it their payment to me is as good as their customer service is.
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Good policy options and pricing. Like to purchase high coverage for medical without covering full cost of trips - like the options Seven Corners provides.
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Cost of best US travel insurance for pre-existing conditions
Age: 40 years; Duration: 1 Month; Deductible: $0
Average cost of medical insurance for travelers to USA-
Patriot America Lite Insurance Comprehensive plan ungroup
- Ideal for Non US citizens outside their home country.
- $10,000 coverage per certificate period for travelers aged 80 years and above.
- Available for US citizens living outside USA but visiting the US.
- Patriot America Lite visitor visa insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
Patriot America Plus Insurance Comprehensive plan ungroup
- Offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA.
- Purchase for a minimum of 5 days up to 364 days and can be renewed for maximum 2 years.
- Covers acute onset of pre-existing conditions till maximum limit up to 70 years.
- The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
- This also offers optional riders provide additional coverage for a minimal charge.
Patriot Platinum Insurance Comprehensive plan ungroup
- Ideal for US citizens and Non US citizens.
- $20,000 coverage per certificate period.
- Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000.
- Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US.
Visitors Protect Insurance Comprehensive plan ungroup
- Availble for visitors traveling from their home country to the U.S., Canada, and Mexico.
- The plan offers temporary medical coverage with pre-existing conditions up to 99 years.
- Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone... and consult about non emergency issues.
- Minimum purchase is 90 days.
Visitors Care Insurance Fixed Benefit plan ungroup
- It is an affordable plan for visitors visiting the US. It is a fixed benefit insurance plan.
- This plan covers Acute onset of pre existing condition up to the age of 70 for a maximum starting from $25,000 up to $100,000 depending on the selected policy maximum.
- This plan is renewable for a maximum of 2 years unless there is a break in the coverage.
- 1. Atlas travel plan from World trips
- 2. Patriot America Plus from IMG
- 3. Travel Medical Choice from Seven Corners
- 4. Travel Medical Basic plan from Seven Corners
- 5. Safe Travels USA from Trawick International
- 6. Safe Travels USA Comprehensive from Trawick International
- 7. Safe Travels Elite plan from Trawick International
- 8. INF Premier plan from INF
- 9. INF Elite from INF
- 10. VisitorSecure Insurance from World trips
International travel health insurance useful links
Travel Insurance for Pre-existing - FAQ's
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. Which travel insurance covers heart attack?
This is a tough question and unfortunately, the answer depends on where you are traveling to and from For people that are traveling to the US from abroad:
As a broker, I am not a medical professional, so I can only tell you this from the insurance side of the question. Generally speaking, the most common cause for heart attack as I understand it is due to plaque build up in the person's arteries. Since that build up happens slowly, over time, I think it's fair to say that it would NOT be covered by any travel health insurance.
This is because travel health insurance excludes pre-existing conditions from any coverage (even emergency coverage if they are chronic or congenital). So the answer for the common cause of heart attacks is NO. So, foreigners run a risk (hopefully a small one) when traveling here. Health insurance can still help with costs of accidents and other unexpected illnesses while on vacation.
However,the answer is be different for people who are US residents traveling abroad. US residents can purchase trip cancellation plans and some of those waive the pre-existing condition exclusion IF you purchase them within a short time of your initial trip deposit (that is the earliest date you pay for any portion of your trip). Check out trip cancellation plans. Notably, the GeoBlue student and travel plans also waive the pre-existing condition exclusion for people who had creditable prior insurance coverage, and these plans are only available to US residents with US domestic coverage.
And, for travel plans for US residents going abroad, some, like the Safe Travels Outbound plans, will cover pre-existing conditions IF they have been stable in the last 6 months (meaning there have been no changes, episodes, or changes to medication in that time frame). You can Compare Safe Travels Outbound Insurance plans.
03. Do travel insurances cover pre-existing conditions?
Yes, INF is one company that offers travel insurance for pre-existing conditions. Some other US travel insurance providers offer travel insurance for acute onset of an pre-existing ailment. The INF Elite and INF Premier travel plans provides greater flexibility for coverage of pre-existing conditions.
04. Which policy covers pre-existing diseases?
The following travel insurance plans cover acute onset of pre-existing conditions:
05. What counts as a pre-existing condition for travel insurance?
A pre-existing condition is an existing condition/illness that exists at the time of application of the travel insurance, whether or not it has been treated and diagnosed or disclosed to the company, and any of or all of the subsequent complications or consequences related to or resulting from the ailment.
06. Which medical condition affect travel insurance?
Mental and Nervous disorders, maternity and new born care, preventive care, chronic illness which cannot be cured, for instance, Alzheimer's, Parkinson's disease, pre-existing conditions except for sudden recurrence of the pre-existing conditions are some of the medical conditions that the travel insurance completely excludes from coverage.
Travel insurance that covers pre existing conditions- blogs and articles
Coverage for persons with pre-existing conditions
Visitors to the US with pre-existing ailments need to review plans that provide them coverage for their medical ailments. The plans offered here provide such coverage.
Click here to read more »Visitor insurance with pre-existing coverage
Travelers who already have existing medical ailments need to be aware of the limitations of medical insurance coverage & seek to buy plans that offer coverage for pre-existing conditions.
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Know more »Which are the best travel insurance companies in USA?
You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide, INF insurance, HTH Worldwide and Venbrook International.
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