American visitors insurance, Visitor visa health insurance USA

Age & Citizenship
Start date
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What does visitor travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

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peoples visitor insurance USA

Visitors visa medical insurance types, Types of USA visitor insurance

Traveling to the US is an exciting experience for all international travelers; however one should be aware of the very high cost of US healthcare and is important to buy visitor visa medical insurance. Unexpected events can happen anytime and being forced to visit and US hospital is no fun and high medical bills can cause significant financial trouble.

The best US travel insurance can prevent this situation. Travelers can compare US visitor insurance quotes and benefits of reputed US insurance providers using our comparison tool and make an informed choice that best suits their travel needs and budget. There are different factors for buying visitor medical insurance. International travelers should review the difference between fixed and comprehensive visitor insurance.

They should also be aware of Visitors insurance coverage for Pre-existing conditions. An aware traveler can make an informed decision among the several visitors visa health insurance options offered by different insurers.

US travel insurance

Highlights of US travel insurance coverage benefits

Health insurance for foreigners in USA, Tourist visa insurance USA - FAQ's

01. Is visitors travel insurance a good idea? Is medical insurance required for US tourist visa?

Visitor medical insurance is not just a good idea, but a necessity! Health Care is very expensive in countries like the US, where not having travel health insurance for USA can be catastrophic. Having Visitors Insurance for USA visitors can be a huge relief which comes in handy during any major unexpected sickness or injury while in a foreign country. International travelers are urged to buy visitor insurance USA to have a safe sojourn outside their home country.

02. Can a tourist get health insurance in USA? Can foreigners buy insurance in USA?

Yes, international tourists can and should buy visitors health insurance in USA. Given the high cost of US healthcare, it is very risky to travel to the US without the best visitors insurance for usa for visitors. International tourists can compare different visitor insurance plans online and then buy travel insurance for USA Visitors to get coverage as early as the following day.

03. How much does US visitor insurance cost? How much does US visitor visa health insurance cost?

The cost of US visitor visa health insurance depends mainly on the following factors; The age of the traveler, the duration of visitors insurance coverage, type of visitors insurance (fixed vs comprehensive coverage), any add on coverage requirements, or the need for health insurance for visitors to usa with pre-existing conditions.

04. Which is the best visitor insurance in USA? Which is the best health insurance for visitors to USA?

The best visitor insurance in USA will vary from visitor to visitor depending on their unique needs. There is no single visitors medical insurance which will work best for all visitors to the US. While some visitors will look for the cheapest visitors insurance plan, others will look for the most comprehensive visitors insurance coverage.

The price will be higher if you need health insurance for visitors to usa with pre-existing conditions. It is recommended to compare different visitor insurance plans based on price as well as the different benefits coverage options. Visitors should also read different visitors insurance reviews before they buy visitor insurance USA.

05. Can I still get travel insurance for the USA?

Yes, travelers can buy travel insurance if the traveler has already started a trip. However travelers should keep in mind that the cover is provided for any illness or injury that occurs after the inception of the policy.

06. Is travel insurance worth getting?

Yes, all international travelers should consider buying travel insurance cover for safe and protected travel. Travelling long hours in a new country increases the risk for unforeseen medical and travel emergencies. During such times a travel insurance cover will provide coverage and save the insured from a huge financial loss.

07. What are the benefits of travel insurance?

Travel insurance is important while travelling overseas for business or for pleasure. Unforeseen incidents and mishaps can occur hence it’s important to be prepared . By purchasing travel medical insurance, you’ll be covered against emergency evacuation and medical expenses, and trip insurance will cover trip interruptions or cancellation, loss of passports or wallet, misplaced luggage. Travelers can also include Cancel for any reason cover that offers maximum coverage.

08. Which visitor insurance is best?

Best health insurance for visitors to USA, Best travel insurance for USA

Best health insurance for visitors to USA - Comprehensive plans
  • Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
  • Available for US citizens visiting USA
  • Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).
  • Covid Quarantine Benefit: Atlas America insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
  • Coverage must be bought for a minimum of 30 days. Show proof of quarantine mandated by a physician or governmental authority.
  • Quarantine must be due to you testing positive for Covid.
  • Available for US citizens visiting USA
  • Acute onset of pre-existing condition covered : 24 months waiting period.
  • Covers Acute onset of Pre-existing condition coverage up to 69 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.Up to $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation.
  • It offers coverage for visitors up to 89 years.
  • Best comprehensive plan that covers all pre-existing conditions up to 99 years.
  • Covers treatment of acute onset of pre-existing conditions (up to 75 years)
  • Maximum Accidental Death & Dismemberment Coverage: $50,000.
  • Pre-existing Conditions Covered: No waiting period. US primary health plan required.
  • Maximum Accidental Death & Dismemberment Coverage: $25,000.
  • Pre-existing Conditions Covered: 180 Day Exclusion. No US primary health plan required.
  • Maximum International Medical Coverage Limits: $250,000.
  • Maximum Emergency Medical Evacuation Coverage: $500,000.
  • Maximum International Medical Coverage Limits: $50,000.
  • Maximum Emergency Medical Evacuation Coverage: $250,000.
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  • Unlimited annual and lifetime maximum.
  • Comprehensive coverage with primary worldwide benefits.
  • Preventive Services have no waiting period.
  • Pre-certification is not required for inpatient and outpatient services.
  • Covers pre-existing conditions with proof of prior creditable insurance.
  • Deductible is waived for office visits and a small copay is applied.
  • Covers injuries or illness resulting from terrorist activities.
  • Travelers up to the age 74 years are eligible.
  • Best travel insurance for USA – Fixed benefit plans

    • Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
    • Plan can be renewed up to 2 year.
    • 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
    • Offers coverage for acute onset of pre-existing conditions up to 79 years.
    • Renewable up to 364 days
    • It offers coverage for acute onset of pre-existing conditions up to 70 years.
    • Plan can be renewed up to 364 days.
    • Covers acute onset of pre-existing conditions up to 89 years.
    • Covers all pre-existing conditions, this means doctors, appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
    • Renewable up to 364 days

    09. What are the different types of visa insurance?

    B1 visa insurance

    USA B1 visa health Insurance, B1 visa travel insurance for USA.
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    B2 visa insurance

    B2 visa health insurance for tourists, B2 visa tourist insurance for USA.
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    F2 visa insurance

    F2 visa medical insurance for F1 visa dependents.F2 visa health insurance.
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    F1 visa insurance

    F1 visa student health insurance, international student insurance in USA.
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    J1 visa insurance

    J1 visa insurance for exchange scholars, J1 visa medical insurance.
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    Green card insurance

    Health insurance for green card holders, Green card health insurance.
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    K1 visa insurance

    Fiancée health insurance, K1 visa health insurance for fiancé on K1 visa.
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    H1B visa insurance

    H1B visa health insurance, health insurance H1B visa holders.
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    Travel health insurance USA

    Travel insurance for tourists in USA, tourist insurance USA
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    10. Can a visitor get health insurance in USA?

    Yes, visitors to the USA can get short term temporary travel insurance coverage while they are in the country. Visitors to USA can compare the best visitors insurance for USA on American Visitor Insurance based on cost and coverage details to find the best US visitor insurance to suit their budget and needs.

    11. What is the best travel insurance to have?

    The best travel insurance to have depends on individual needs and circumstances. However, some factors to consider when choosing a travel insurance policy for travel to the USA include:

    • Maximum medical coverage: Look for visitors insurance that provides adequate medical coverage, including emergency medical care, hospitalization, and medical evacuation, as healthcare costs in the USA can be very high.
    • Pre-Existing Medical Conditions coverage: Few plans offer visitors insurance for pre-existing medical conditions, with some offering coverage only for acute onset of pre-existing conditions, while others offering limited visitors insurance coverage for pre-existing ailments. Please review the policy documents and ensure that you are familiar with the coverage limitations for pre-existing conditions.
    • Trip Cancellation and Interruption: Look for a policy that provides coverage for trip cancellation or interruption due to unexpected events, such as illness, injury, or natural disasters.
    • Baggage and Personal Belongings: Look for a policy that provides coverage for lost, stolen, or damaged baggage and personal belongings.

    12. Is visitors travel insurance a good idea?

    Visitors insurance is not just a good idea, but a necessity! US Health Care is very expensive and not having travel insurance for USA can be financially catastrophic. Having Visitors Insurance for USA can be a huge relief which comes in handy during any major unexpected travel related sickness or any accident related medical treatment. International travelers are urged to buy USA visitor insurance to have a safe sojourn outside their home country.

    13. Is medical insurance required for US tourist visa?

    There is no specific medical insurance requirement for US tourist visas as of now, however given the exorbitant cost of US healthcare, it is strongly recommended that all visitors to the US have adequate visitors medical insurance coverage. Some US states like Hawaii are mandating some travel insurance for inbound visitors. US consulates in certain countries are also insisting that US visa applicants have proof of visitors medical insurance coverage during their stay in the US.

    While it may not be a requirement for obtaining the US tourist visa, having visitors medical insurance is highly recommended for anyone traveling to the US as it provides protection and financial support in the event of an unexpected illness or injury.

    14. What happens if a tourist of US visitor goes to the hospital in the US?

    • If a tourist goes to a hospital in the United States, they will receive medical care regardless of their insurance status or ability to pay initially. However, they will receive the bill for the medical expenses later and the cost of medical treatment in the US is very expensive. It is hence important for visitors to have proper visitors insurance coverage to help pay for medical expenses.
    • If the visitor has insurance, they should provide their insurance information to the hospital. The hospital will then bill the insurance company for the cost of the medical treatment. The visitor may still be responsible for paying deductibles, co-payments, or any other out-of-pocket expenses, depending on the tourist insurance plan.
    • If the visitor does not have insurance, they will be responsible for paying the full cost of the medical treatment out of pocket. The hospital may require payment upfront or provide a payment plan to help the visitor pay the bill over time.
    • It's important for visitors to understand the potential costs of medical treatment in the US and to have adequate insurance coverage to protect themselves from financial hardship in case of an unexpected illness or injury.

    Resourceful tourist insurance USA information

    Find the best travel insurance

    Find out the best insurance for your budget and needs
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    How does travel insurance work?

    Claims process for expenses due to injury or sickness
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    How to buy travel insurance?

    Guide to buying the best international travel health insurance
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    Travel insurance glossary

    Commonly used international travel medical insurance terms
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    Travel insurance for specific groups

    Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
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    Compare travel insurance plans

    Compare the best travel insurance plan for your needs
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    Visitors Insurance coverage for US healthcare costs

    Are you or any of your family members planning on visiting the US? Then it’s very important to include best travel insurance. While US hospitals offer world class healthcare facilities to its visitors, unfortunately it is very expensive and even the smallest medical assistance can incur a huge bill. In case the traveller falls ill or is injured while in the US, it will work out very expensive to get an emergency medical treatment given the high cost of US health care. Depending on the severity of injury the emergency care may cost anywhere from $150 to $1,000,000. The ambulance service costs itself can be as high as $25,000 and critical care at $1,000,000. In case the illness or injury needs a long stay in a hospital with a long recovery time then the stay can result in very huge financial loss.

    The US health care requirement is very different from Canada or the UK where it is largely subsidizes by the government, in the US, healthcare is not paid for by the government in any way and health insurance is considered a necessity given the US healthcare system and costs. Understanding the US health insurance system and the parlance of health insurance can help travelers navigate the decision making of travel insurance better.

    This information can guide international travelers in better understanding US travel insurance requirements and the financial support it offers.

    Common US Healthcare Terms of travel insurance

    Deductible is the amount that insured travelers need to pay for coverage before the travel insurance actually starts to pay for the healthcare services along with the co-pay or coinsurance. Travelers will need to pay the medical fees up to the amount of deductible and along with coinsurance and co-pay.

    For example if the deductible amount is $1,500 then travelers need to pay up to $1,500, it is only after this amount is paid that the insurance plan stays paying. The Deductible is introduced to prevent frivolous claims.

    Coinsurance is similar to co-pay in domestic US health insurance. Here the insured needs to pay a percentage of the total cost of the medical fee instead of paying a fixed amount. If you have 10% of coinsurance that the insured will have to pay 10% of the total cost of the bill .Co-insurance is paid on top of the Deductible. Typical Co-insurance ranges from 10% to 20%. The higher the co-insurance, the lower will be the cost of travel insurance.

    Travelers can review the insurance glossary for travel to the USA to understand other terms and also check our travel insurance guide for easy understanding.

    Riders – Riders are additional benefits that a traveler can purchase within the insurance policy. These are benefits that are usually not covered under the standard insurance policy. Depending on the need of the traveler, customers can add rider benefits at additional cost while buying the policy.

    Copay or copayment is the fixed amount that the insured will have to pay for the medical service availed. The amounts would usually differ depending on the service availed.

    Network and Out of Network - In US most hospitals have PPO networks .In the PPO network there are selected doctors and hospitals that have a working agreement with the insurance providers who charge the insurance provider directly and work out cheaper for the travelers. If the insurance provider is in the network they will provide a list of in network facilities so that the insured finds it easy to use the provider who can offer services.

    Out of network insurance is literally when the customer goes to a healthcare facility outside of the covered network provider. In this situation, the insured will have to pay for the treatment themselves and then file a claim, this process might be confusing and sometimes out of network doctors and hospitals are more expensive and may even not be covered.

    Pre-existing Conditions Coverage

    Pre-existing condition is a medical ailment that existed before the start of the travel insurance cover. Acute onset of a pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.

    Travelers with pre-existing conditions always find it hard to buy travel health insurance. There are various conditions that are considered as pre- existing diseases but some of common ailments in this category are Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Travelers can buy a travel insurance policy without a medical check, however most insurance providers only provide coverage for acute onset of pre-existing conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most insurance providers offer health insurance coverage for acute onset of pre-existing conditions with fixed or limited coverage

    If any of the travelers has one of these conditions it’s very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

    INF is one of the few companies which offers USA travel insurance plans for visitors to the US with full coverage for pre-existing ailments. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are covered by the INF Premier insurance and INF Elite Plan. Compare the best travel insurance for pre existing conditions.

    Affordable insurance for visitors above 70 years of age

    Senior Citizens who are 70 years of age are vulnerable to illness and are at high risk for travel sickness and injuries. While most insurance providers refuse or severely reduce coverage for travelers who are 70 years, there are a US insurance providers who insure older traveler’s . IMG in their Patriot America Plus Insurance offers coverage for up to $50,000 - $1000, 000 and World Trips in their Atlas America Insurance offers $50,000 - $2,000,000 coverage.

    State Limitations on Travel Insurance

    The US there are no federal policies that set the rules for the whole country, however different state have specific rules regarding travel insurance. There are few states with restricted rules like in Colorado Maryland, New York, South Dakota and Washington. These states prevent its residents and individuals with mailing address in these states from buying insurance plans from some companies. Travelers can check insurance restrictions of their insurance providers while buying the insurance.

    Pre-approvals for medical treatment and Hospital Visits

    Pre-approval commonly known as pre-authorization is a sanction provided by the insurance provider to obtain the medical treatment and hospital visits. The healthcare service workers like network providers, hospitals or doctor’s offices often choose to inform the insurance provider and get a pre-approval. In a case where the insured is using an out-network provider the insured will need to notify the insurance provider to get pre approval or pay and then apply for a reimbursement.

    In situations like an admission at the hospital for overnight stay, Major Surgery, Prescription of expensive drugs, Medical appointment to a behavioural, physical, speech or occupational therapist for treatment all of this would typically require pre-approvals from the insurance provider.

    Resourceful insurance for travellers benefits information to look out for while buying travel Insurance

    Travelers can check if it’s covered while buying the insurance

    • Acute onset of Pre-existing conditions, look back period
    • Dental care for dental emergencies
    • Skin care and dermatological problems
    • Vision care except for treating eye injuries
    • Preventative or routine health care coverage
    • Injuries and illness due to terrorism or war
    • Childbirth, pregnancy, and maternity
    • Injury from high-risk sports
    • Mental health care
    • Injuries related to drugs and alcohol

    Renewability and Deductible in an extended /renewed Travel insurance

    Not all plans are renewable, so check on the renewability of the travel insurance plan. Most travel insurance plans can be extended based on the traveler’s requirement. When the policy is extended, the deductible is usually reset.

    Multi-trip travel insurance

    Regular or frequent travelers visiting the US can buy the annual multi-trip travel insurance plan. Here the traveler is insured for a whole year from the start of the plan, but each trip is limited to a certain length of stay outside the home country and are required to have a domestic health insurance.

    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.

    Steps to buy US travel insurance online

    Step 1

    Find best US Visitors medical insurance
    Complete the visitors insurance quote request form by providing travel & insurance requirements.

    Step 2

    Compare different visitor health insurance plans
    Compare different visitors health insurance prices and benefits that satisfy your specific requirements.

    Step 3

    Buy the travel medical insurance you like best
    Buy the plan that fits your requirements best using a credit card to make an informed decision.

    Step 4

    Review the visitors insurance documents
    Review the visitors insurance documents for all relevant details & download the visa letter if required.

    USA travel insurance coverage highlights

    What does Travel Medical Insurance cover? What is travel Insurance USA?

    Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitor travel insurance to review specific coverage details offered by the different companies and insurance plans.

    Medical coverage for accidents and emergency medical ailments:
    The high cost of healthcare in the US makes it imperative for travelers to have good travel health insurance while traveling outside ones home country. The best travel insurance medical maximum coverage varies based on the travel insurance plan chosen, however travelers have the option of getting coverage up to $1,000,000. The available medical maximum coverage however decreases for travelers over 70 years.

    Doctor visit
    This allows travelers to visit Doctors for sudden unanticipated medical ailments (continuing treatment for pre-existing ailments and preventive care are not covered). The Co-pay and deductible will vary depending on the travel insurance plan chosen, travelers do have the option of No Co-pay and $0 deductible.

    Pharmacy drugs
    Doctor prescribed eligible pharmacy drugs are covered up to $50,000, but this varies from plan to plan.

    Surgery Charges
    Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50,000, but this varies from plan to plan.

    Medical Evacuation
    The best travel insurance provides coverage for medical evacuation up to $1,000,000 if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.

    Repatriation of Remains
    The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler for any reason. While this depends on the travel insurance plan chosen, one can get repatriation coverage up to $50,000.

    Dental Coverage
    Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth.

    Given all these benefits, it is important that international travelers buy the best travel insurance given the relative low cost of travel insurance when compared to the cost of healthcare. This is particularly important for Seniors citizens, as older travelers are most vulnerable and likely to need the benefits offered by the best USA travel insurance plans.

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    Factors that determine the cost of US travel insurance plans

    Traveler’s age

    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.

    Length of coverage

    The longer the period of visitors insurance required, the greater will be the cost of travel insurance.

    Coverage region

    The cost of travel insurance depends on the coverage region with the price for visitor health insurance for the US being most expensive.

    Maximum limit, co-insurance and deductible options

    The travel insurance cost is directly dependant on maximum medical coverage and inversely proportional to the deductible and co-insurance of the plan chosen.

    Fixed benefit of Comprehensive travel insurance

    Fixed benefits visitor insurance are cheaper while comprehensive US travel insurance with exhaustive coverage are more expensive.

    Any add on benefits or special coverage

    Any add-on benefits or special coverage like adventure sports or acute onset of pre-ex conditions coverage will increase the cost of travel insurance.

    Pre-existing conditions visitors insurance

    Best travel insurance with pre existing conditions

    Travel Insurance tips for Pre-Existing Conditions

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

    1. Choose a travel health insurance plan that covers pre-existing conditions.
    2. Read the policy carefully to understand what is covered and what is not.
    3. Be aware of any waiting periods for coverage of pre-existing conditions.
    4. Consider buying a visitors insurance policy with higher coverage limits.
    5. Carry a copy of your medical records and list of medications with you when traveling.
    6. Ensure that you carry your medical prescription and medicines during your trip.
    7. Know how to access medical care in your destination.
    8. Contact your visitors insurance provider immediately in case of any medical emergency.
    9. Disclose all pre-existing conditions when buying visitors health insurance.
    10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

    What are the INF pre-existing conditions travel insurance options?

    There are several US travel insurance plans available for international travel, however most of these travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased.

    INF is the only US insurance provider who is offering visitors travel insurance coverage for pre-existing conditions without limiting it to acute onset of a pre-existing condition. The INF Elite insurance plans cover pre-existing conditions up to a clearly defined pre-existing conditions limit which is different from the policy maximum. It is very important to compare the different travel insurance for pre-existing conditions coverage for the price and coverage details before buying the US travel insurance.

    What are the important factors for pre existing conditions visitors health insurance?

    The following are the important factors to consider while purchasing 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 pre-existing conditions travel health insurance important?

    There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.

    How does pre-existing conditions travel insurance work?

    Pre-existing conditions travel insurance plans are designed to provide coverage for conditions that existed or still exist which started before the insurance plan became effective. Normally , travel insurance provides coverage for unexpected medical emergencies, trip cancellation, baggage delay and loss and medical emergencies and hospitalization. The plans that cover pre-existing conditions can vary from one provider to the other.They also have limitations for age factor and do not provide coverage for most people above 70.It is important to review the policy carefully to see if it covers the things that you want to get coverage.

    Pre existing condition is defined as the medical condition that has been diagnosed with or received treatment for certain period of time before the policy became effective.

    Coverage exclusions: The pre -existing condition travel insurance may restrict the coverage for some specific conditions,and will have limitations around the age of the individual, or have waiting periods to start coverage.

    Medical emergency coverage: If the traveler experiences medical emergency related to the pre-existing condition, during the trip, then the insurance will cover the eligible medical expenses.

    Trip cancellation or Interruption: Some plans will provide coverage for trip cancellation related to the pre existing condition in case you need to cancel the trip for the medical issue.

    Claims: For a covered claim, you need to file a claim with the insurance provider

    Reviewing the policy: Before purchasing the plan, carefully review the policies terms and condition to understand the coverage, limitations and requirements for 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 ($1000) 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 visitors insurance 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 visitors insurance 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

    American Visitors insurance for foreigners - Some highlights

    US Visitor Healthcare cost

    US High health care costs in US could be burdensome to a short term visitor.

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    Pre-existing coverage

    Find plans providing comprehensive coverage for pre-existing conditions.

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    Senior citizens Insurance

    A fall or illness could become more serious for the older traveler.

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    Obamacare for visitors to the US

    Are visitors to US eligible for Obama Care? No. The Affordable Care Act (ACA) insurance plans are not available for visitors to the US even if their immediate family members or parents are US citizens. It is therefore very important for visitors to the US to buy visitors medical insurance which will help them handle the very high healthcare cost while in the United States.
    Click here to know more »

    • Policy Maximum#1
    • Deductible#2
    • Available for green card holders.
    • Key Features:  This plan provides accident and sickness medical coverage with Acute onset of pre-existing conditions coverage up to 69 years.
    • Policy Maximum#1
    • Deductible#2
    • Pre-existing Coverage
    • Key Features: Great coverage for a great price.
    • Policy Maximum#1
    • Deductible#2
    • Best for travelers expecting first-class medical coverage
    • Key Features Covers Acute onset of pre-existing conditions coverage up to 70 years.
    • Policy Maximum#1
    • Deductible#2
    • Covers Acute onset of pre-existing conditions.
    • Key Features: This plan is always eligible for purchase no matter what age and how long a person has been in the US

    INF Standard


    by INF inf logo
    • Policy Maximum#1
    • Deductible#2
    • Fixed benefit plan for parents visiting the USA
    • Key Features: This plan has a minimum purchase requirement of 30 days. Fixed benefit plan for new sicknesses & accidents.
    • Policy Maximum#1
    • Deductible#2
    • Covers Acute on set of pre-existing conditions.
    • Key Features: Visitor Secure insurance as an affordable scheduled benefit plan for visitors to USA. High maximum available.
    • Policy Maximum#1
    • Deductible#2
    • Available for green card holders.
    • Key Features: Safe Travels Elite offers Scheduled Benefits accident and sickness medical coverage.Cheap US visitor medical insurance plan.

    #1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.

    #2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

    Get quotes for visitor travel insurance

    Review and compare the best visitor health insurance

    Compare US Visitor visa insurance quotes

    • The visitors insurance compare tool is intuitive and easy to use.
    • The US visitor insurance plans are specially designed for international travelers based on their unique needs.
    • There are plans that cover health insurance for visitors with pre-existing conditions.
    • Several travel insurance options by different providers can be reviewed at one time.
    • Along with the quotes, key coverage details, exclusions, PPO network details, renewal details are displayed
    • The compare tool highlights benefits and exclusions to help travelers make an informed choice quickly.
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    Visitor visa health insurance USA, Visitors Insurance USA

    • Travelers to the USA from different parts of the globe can buy insurance offered by US insurance providers.
    • These plans can be purchased by US travelers, who are vacationing outside the US.
    • Insurance customers can compare different plans and buy them online.
    • These plans have better recognition in USA when compared to plans purchased in your home country.
    • The claims are settled in US dollars and for hospitalisation within the provider network, the billing is done directly to the insurance company.

    Select the visitor insurance plans that you want to compare

    F Fixed Benefits Plans
    C Comprehensive Plans

    US Citizens traveling overseas

    Thanks to the strength of the US Dollar, traveling overseas has become more affordable to US travelers. The number of US travelers going overseas has been increasing steadily over the year, particularly to Europe, Canada, Caribbean and to the Latin American countries. More recently there has been an increase in US tourists to Asia as well, and there has been an increase in the number of older travelers. US travelers should note that US domestic insurance including Medicare has little to no coverage outside US borders. It is therefore important to buy international travel health insurance.


    • Trip cancellation insurance

      Trip cancellation, baggage loss/delay, trip interruption, medical expenses coverage.

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    • Quarantine travel insurance

      Travel insurance with coverage for quarantine in case of Covid infection.

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    • Cancel for any reason

      Cancel for any reason (CFAR) insurance, protects up to 75% of insured trip cost.

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    Health insurance for foreigners in USA, USA health insurance foreigners quotes

    Why US visitor visa health insurance?

    US Visitor visa health insurance is essential while visiting a foreign country.

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    Steps to use visitor insurance quotes in an emergency.

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    Find and buy best US visitor medical insurance quotes.

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    Visitor insurance resources

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    Popular travel destinations in the USA

    US States

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    Visitors Insurance for foreign traveler already in USA - Forum

    Can I buy visitors traveler insurance for the person who has already arrived to USA ?
    Thank you,

    Dear Zack,

    Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Yes! You can purchase a policy for someone already in the US. Of course, we suggest you purchase from the day they leave until the day they return home to be fully covered for any medical situation that should arise on their trip. If you purchase it later, of course, it will only cover future medical conditions. If your traveler is already sick, this illness will not be covered by the insurance you purchase.

    Hopefully this is not the situation. The form when you make your purchase may be slightly awkward since it assumes the visitor has not left their home country. If the form does not allow you to put a past date for "date of departure" from home country, use tomorrow as the soonest date.

    The soonest you can start a policy is tomorrow. Please let us know if we can help you in any further.

    Customer care
    (877) 340 7910

    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

    Expertise in offering travel insurance
    20+ years!

    Customers from
    All U.S. states!

    Customers from over
    180 countries!