Best travel insurance for pre-existing conditions reviews

INF provides the best comprehensive plans for pre existing condition coverage.
INF Elite plan being the best of all (ONLY COMPREHENSIVE PLAN WITH FULL PRE EXISTING COVER) with full pre existing condition coverage available.
This includes doctor appointments, blood tests and lab work, special care, urgent care and hospital stays.
Elite plan covers pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years.
Coverage for Pre-Existing Conditions to $1M

INF Elite 90 plan

This is a 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 condition
Elite plan covers pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 for age 0 to 69 years.
Covers 90% of Eligible Medical Expenses.
Coverage for Pre-Existing Conditions to $1M.
This plan need to be purchased for a minimum of 3 months.

INF Elite Plus

Covers Preventive & maintenance care and coverage for full body physicals.
Coverage for TDAP, Flu, etc Vaccines
This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500.
Covers accident & sickness while traveling to USA, Canada, and Mexico and covers 90% of eligible medical expenses
This plan need to be purchased for a minimum of 3 months.

Safe Travels USA Comprehensive

Safe travel USA Comprehensive available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
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.

Visitors Protect

Covers pre existing condition for age 69 and below up to $25,000 with deductible $1,500.
Limited pre-existing condition coverage.
Available for international visitors traveling from their home country to the U.S., Canada, and Mexico.
Coverage from 90 days to 12 months.

Patriot America Plus

Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
Plan is suitable for Green Card holders as long as they reside outside the US.
Available for US citizens visiting USA

Atlas Premium

Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 70 years (excludes chronic and congenital conditions).
This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
Provides quality coverage with with high coverage limits.

Travel Medical Basic

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.
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 under 70.

Travel Medical Choice

Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
Including USA:
- For the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50k coverage is available.
- For the acute onset of pre-existing condition coverage other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75k coverage is available .
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 under 70.

Atlas America

Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 70 years (excludes chronic and congenital conditions).
Coverage for Non-US Citizens traveling outside their home country
This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.

Fixed Plans

INF Premier

The INF Premier fixed plan is the best plan (ONLY FIXED PLAN WITH FULL PRE EXISITNG COVER)that provides full pre existing condition coverage including the doctor appointments, blood tests, special care, urgent care and hospital stays for emergencies.
Premier plan provides policy maximum $100k covers pre-existing condition maximum of $20k/$40k with deductible $1k/$5k, policy maximum $150k covers pre-existing condition maximum of $30k/$60k with deductible $1k/$5k and policy maximum $300k covers pre-existing condition maximum of $50k/$100k with deductible $1k/$5k, policy maximum $500k covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years and policy maximum $1M covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years.
Coverage for Pre-Existing Conditions to $1M.

Travel Medical USA Visitor Basic

This plan is for Non US citizens coming to the US.
This plan also provides coverage for their Spouse, Traveling Companions, and Child(ren).
Acute onset of pre-existing conditions are covered up to $50,000 up to the age of 69 years.

Travel Medical USA Visitor Choice

This plan is for Non US citizens coming to the US.
This plan also provides coverage for their Spouse, Traveling Companions, and Child(ren).
Acute onset of pre-existing conditions are covered up to $75,000 up to the age of 69 years.

INF Premier Plus

The INF Premier fixed plan is the best plan that provides full pre existing condition coverage including the doctor appointments, blood tests, special care, urgent care and hospital stays for emergencies.
Premier Plus plan provides 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.
Covers preventive & maintenance care and TDAP, Flu, etc Vaccines.

Visitor Secure

It offers coverage for acute onset of pre-existing conditions up to 70 years.
Plan can be renewed up to 364 days.
Cheap visitor insurance designed for international travelers visiting the US or for travel abroad.

Visit USA

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)

Safe Travels Elite

This is a fixed benefits insurance plan from Trawick International and is available as Economy, Basic, Silver, Gold and Platinum with different policy maximum options for each.
Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
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.
For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
This plan is available for green card holders.

There are still some good options who offer pre-existing condition insurance plan for visitors for this age group. We now have an exciting option with an exceptionally high maximum (for this age group) amount the Best category.

Comprehensive plans

INF Elite plan

The Elite insurance covers health insurance for non-us citizens with pre-existing conditions.
Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 80 to 89 years.
Covers 80% of Eligible Medical Expenses.
Minimum Enrolment should be 90 days to buy INF Elite Plan.

INF Elite 90 plan

INF Elite 90 plan this plan provides policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
Covers 90% of eligible medical expenses.
This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
Minimum Enrolment should be 90 days to buy INF Elite Plan.

INF Elite Plus

Elite Plus this plan provides policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
Covers Preventive & maintenance care and coverage for full body physicals.
Covers 90% of eligible medical expenses.
This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
Minimum Enrolment should be 90 days to buy INF Elite Plan.

Atlas America

Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
Coverage for Non-US Citizens traveling outside their home country
This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
79 years old turing 80 during the coverage period, Atlas America plan does not affect coverage as long plan is purchased at age 79.

Safe Travels USA

Safe Travels USA is available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
Covers Unexpected Recurrence of a Pre-Existing Condition up to $1,000 of Covered Expenses

Visitors Protect

Covers pre existing condition for ages 70 and above up to $20,000 with deductible $1,500.
Coverage from 90 days to 12 months.
Available for international visitors traveling from their home country to the U.S., Canada, and Mexico
Limited pre-existing condition coverage.

Atlas Premium

This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
79 years old turing 80 during the coverage period, Atlas Premium plan does not affect coverage as long plan is purchased at age 79.

Travel Medical Choice

Travel Medical Choice Covid insurance offers coverage for coronavirus.
Including USA:
- For the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 70 to 79 years, $5k coverage is available .
- For the acute onset of pre-existing condition coverage other than cardiac condition and/or stroke for age range of 70 to 79 years, $7,500 coverage is available .
Excluding USA: Acute onset of pre-existing conditions are covered up to a coverage of $10,000 for age of 70-79.

Safe Travels USA Cost Saver

Safe Travels USA Cost Saver offer excess medical coverage.
Covers Unexpected Recurrence of a Pre-Existing Condition up to $1,000 of Covered Expenses
Accident and sickness medical coverage for the budget-minded traveler.

Travel Medical Basic

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 a coverage of $2,500 for age of 70-79.
Excluding USA: Acute onset of pre-existing conditions are covered up to a coverage of $5,000 for age of 70-79.

Fixed plans

Safe Travels Elite Diamond

It is available for travelers of ages 70 to 89 years
Acute Onset of a Pre-existing Condition - up to $35,000 for age 70-79 years per policy period subject to the sub limits as mentioned ( any coverage related to cardiac disease or conditions is limited to $15,000 for age 70 years and above
Scheduled benefit plan for NON-US Citizens traveling to the USA. Pays fixed dollar amount for each medical service.

INF Premier plan

This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
INF Premier plan: (fixed benefit plan) Full pre existing coverage available with a maximum are covered up to $15,000/$25,000 for age 80-89 with a pre existing deductible of $1000/$5000.
Minimum purchase of 90 days is required with this plan

Travel Medical USA Visitor Basic

This plan is for Non US citizens coming to the US.
This plan also provides coverage for their Spouse, Traveling Companions, and Child(ren).
Acute onset of pre-existing conditions is covered up to the age of 79 years. People above 70 years get $25,000 coverage for this benefit.

Travel Medical USA Visitor Choice

This plan is for Non US citizens coming to the US.
This plan also provides coverage for their Spouse, Traveling Companions, and Child(ren).
Acute onset of pre-existing conditions is covered up to the age of 79 years. People above 70 years get $25,000 coverage for this benefit.

Comprehensive plans

INF Elite plan

The Elite Network covers health insurance for non-us citizens with pre-existing conditions.
Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 80 to 89 years.
Covers 80% of Eligible Medical Expenses.
Minimum Enrolment should be 90 days to buy INF Elite Plan.

INF Elite 90 plan

INF Elite 90 plan this plan provides policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
Covers 90% of eligible medical expenses.
This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
Minimum Enrolment should be 90 days to buy INF Elite Plan.

Safe Travels USA

Safe Travels USA offers comprehensive US Covid19 insurance coverage for illness and accident.
Covers Unexpected Recurrence of a Pre-Existing Condition up to $1,000 of Covered Expenses
It offers coverage for visitors up to 89 years.

Visitors Protect

Covers pre existing condition for ages 70 and above up to $20,000 with deductible $1,500.
Coverage from 90 days to 12 months.
Available for international visitors traveling from their home country to the U.S., Canada, and Mexico
Limited pre-existing condition coverage.

Safe Travels USA Cost Saver

Safe Travels USA Cost Saver offer excess medical coverage.
Covers Unexpected Recurrence of a Pre-Existing Condition up to $1,000 of Covered Expenses
Accident and sickness medical coverage for the budget-minded traveler.

INF Elite Plus

Elite Plus this plan provides policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
Covers Preventive & maintenance care and coverage for full body physicals.
Covers 90% of eligible medical expenses.
This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
Minimum Enrolment should be 90 days to buy INF Elite Plan.

Fixed plans

Safe Travels Elite Diamond

It is available for travelers of ages 70 to 89 years
Acute Onset of a Pre-existing Condition - up to $35,000 for age 70-79 years per policy period subject to the sub limits as mentioned ( any coverage related to cardiac disease or conditions is limited to $15,000 for age 70 years and above
Scheduled benefit plan for NON-US Citizens traveling to the USA. Pays fixed dollar amount for each medical service.

INF Premier plan

This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
INF Premier plan: (fixed benefit plan) Full pre existing coverage available with a maximum are covered up to $15,000/$25,000 for age 80-89 with a pre existing deductible of $1000/$5000.
Minimum purchase of 90 days is required with this plan

INF Elite plan

This plan is available for Non US citizens coming to the US.
Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 90 to 99 years.
Covers 80

INF Premier plan

This plan is available for Non US citizens coming to the US.
For age 90 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
Covers 80% of eligible medical expenses.

INF Elite 90 plan

INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
Covers 90% of eligible medical expenses.
This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.

INF Elite Plus

Elite Plus this plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
Covers Preventive & maintenance care and coverage for full body physicals.
Stable pre-Existing conditions are covered as new sickness

Visitors Protect

Covers pre existing condition for ages 70 and above it covers up to $20,000 with deductible $1,500.
Coverage from 90 days to 12 months.
Available for international visitors traveling from their home country to the U.S., Canada, and Mexico
Limited pre-existing condition coverage.

How will the insurance company determine what is a pre-existing condition?
Each company uses a slightly different wording for their definition, but basically, I tell people this is what it means: A pre-existing condition is a medical condition that you have been diagnosed with, are being treated for, or had before the start of the policy with reasonable medical certainty. This definition is tricky because the insured doesn't need to know that they have a condition in order for it to be considered pre-existing. We had a client who was diagnosed with a chronic bladder infection. Since it was found to be chronic, it was determined that the infection must have already been present before the trip started. Unfortunately, that meant the client did not get any coverage for their medical expenses. Many policies require a paerson to be stable in their condition before they will cover it as a pre-existing condition anyway, so even a policy with a pre-existing condition clause like the ones I have described above, may exclude covering expenses in this particular example.

I know there is a lot of information here and usually there are many plans from which to choose. Please feel free to call us anytime and we’d be happy to help you narrow down your selection and/or help with your purchase by phone.
As always, we wish you safe and happy travels!

Here we present short term visitor medical insurance plans that cover pre-existing conditions^* and plans which only cover acute onset of Pre-existing ailments^**

^*General definition of pre-existing condition:

A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

^**Acute onset of pre-existing condition:

Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

Cost of best US travel insurance for pre-existing conditions

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

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

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

Price range $768 - $860

Coverage range $150,000 - $300,000

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

Price range $768 - $860

Coverage range $150,000 - $300,000

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

Price range $752 - $841

Coverage range $150,000 - $300,000

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

Price range $278 - $448

Coverage range $150,000 - $300,000

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Patriot America Plus Insurance Acute Onset of a Pre-Existing Condition
- Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
- Patriot America Plus Covid insurance offers coverage for coronavirus illness.
- Available for US citizens visiting USA
Estimate Plan Cost

Price range $90 - $170

Coverage range $50,000 - $1,000,000

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Visitors Protect Insurance Full Pre-existing condition
- It is an affordable plan for visitors visiting the US.
- This plan covers pre existing condition for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
- Visitors Protect Covid insurance offers coverage for coronavirus illness.
Estimate Plan Cost

Price range $485 - $728

Coverage range $50,000 - $250,000

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

Price range $160 - $290

Coverage range $50,000 - $1,000,000

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

Price range $110 - $180

Coverage range $50,000 - $1,000,000

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Atlas America Insurance Acute Onset of a Pre-Existing Condition
- Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
- Atlas America Covid insurance offers coverage for coronavirus illness.
Estimate Plan Cost

Price range $110 - $230

Coverage range $50,000 - $2,000,000

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VisitorSecure Insurance Acute Onset of a Pre-Existing Condition
- It offers coverage for acute onset of pre-existing conditions up to 70 years.
- Plan can be renewed up to 364 days.
Estimate Plan Cost

Price range $40 - $80

Coverage range $50,000 - $130,000

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Safe Travel USA Comprehensive Insurance Acute Onset of a Pre-Existing Condition
- Covers Acute Onset of a Pre-Existing Condition: 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.
- It offers coverage for visitors up to 89 years.
- This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
Estimate Plan Cost

Price range $90 - $160

Coverage range $50,000 - $1,000,000

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

Price range $90 - $160

Coverage range $50,000 - $1,000,000

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Safe Travel USA Cost Saver Insurance Unexpected recurrence of a pre-existing
- Covers unexpected recurrence of a pre-existing medical conditions up to $1000
- This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
- Eligible for foreign residents visiting USA and worldwide
- It offers coverage for visitors up to 89 years.
Estimate Plan Cost

Price range $70 - $120

Coverage range $50,000 - $1,000,000

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Safe Travels Elite Insurance Acute Onset of a Pre-Existing Condition
- Foreign residents visiting USA and worldwide.
- Plan can be renewed up to 2 years.
- The plan provides Emergency Medical Evacuation of $100,000 for the Economy, Basic and Silver plan and covers up to policy maximum for the Gold and the Platinum plan.
- Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
Estimate Plan Cost

Price range $40 - $60

Coverage range $50,000 - $175,000

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Diplomat America Insurance Pre-existing condition exclusion
- This plan is for Non Us citizens and Non US residents visiting the US.
- Covers pre-Existing condition exclusion: 24 Months prior to the start date of coverage
Estimate Plan Cost

Price range $130 - $220

Coverage range $50,000 - $1,000,000
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Visit USA Insurance Acute Onset of a Pre-Existing Condition
- Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
- Visit USA offers 3 plans to satify your requirements and budget.
- Covers Acute onset pre-Existing condition up to Ages 65 and above: $2,500 ; All others: $20,000(excludes chronic and congenital conditions)
Estimate Plan Cost

Price range $50 - $190

Coverage range $50,000 - $250,000

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Best 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 basically provides coverage in the event of an existing medical ailment becoming life threatening and needing emergency medical care. This coverage will usually have exclusions for coverage of gradual or slow worsening of the existing ailment.

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. The INF plans treat the 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 of the 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 certain ailments like Urinary Tract infections, Kidney infections or Bladder infections.

This also 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 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 all preexisting conditions?

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

Find out more about Pre-existing condition visitors insurance

Frequently asked questions about pre-existing condition visitor medical insurance

Without doubt, all students should have health insurance while they are in the US. The US health care costs are the highest in the world and a minor injury or accident could set you back tens of thousands of dollars. Being healthy and taking care of yourself is, of course, highly recommended, but accidents happen to us all and when we least expect. Students should have proper insurance before anything emergency situation arises so that you do not find yourself in serious debt.

The health insurance cost for the college student will depend on the coverage benefits of the student insurance plan, the age of the student, the medical maximum coverage required and the deductible for the plan. The cost of student health insurance coverage within the US is more expensive when compared to coverage outside the US.

Most international student health insurance plans seem similar on first impressions. However, while they have many benefits in common and the premium is also similar, different student insurance plans do have some additional benefits or perhaps some specific constraints. In order to choose the best plan based on the students requirements and to get sufficient coverage from the international student insurance plan, it is important to compare different features available in the student health insurance plan.

The following are important factors for comparing student health insurance plans:

Policy Maximum: This is the maximum amount on the insurance plan which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an extreme emergency as per the policy guidelines and conditions mentioned in the policy.

Deductible: The deductible options can range anywhere from $50 up to $5000 between the plans. A larger deductible means lower premium price and vice versa. Picking a large deductible thus low premium by choosing a comprehensive plan is usually recommended, as most of the comprehensive plans have an one time deductible and is cost effective.

Pre existing condition coverage: This is very important benefit factor as many customers need this benefit. The student plans have a minimum 6 month waiting period for coverage of pre-existing conditions.

Coverage for mental illness and drug abuse: This coverage is required by most of the universities.

Cancellation and Renewability: Each plan have their unique cancellation and renew-ability policies. It is important to pay attention to it if there is any ambiguity while booking insurance initially.

Sports and other unique activities: Some of the plans provide coverage for intercollegiate and interscholastic sports...
Based on these factors, American Visitor Insurance provides an excellent compare student medical insurance facility where getting quotes as per students’ requirements. Once the required information is entered in the form, a summary of popular student insurance plans are displayed which can be compared.

Visitors Insurance Covering Pre-existing Conditions - Article

Insurance Coverage for older travelers with Pre-existing Conditions

Pre-Existing conditions insurance for visitors - Review

Best of the Best Coverage for Pre-existing Medical Conditions

Visitor insurance with pre-existing coverage

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Popular pre-existing conditions for visitors to the USA plans which have coverage for pre-existing conditions.

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Compare pre-existing conditions insurance plans for US visitors and buy the best plan.

Tips for travelers with pre-existing conditions

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

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

What is visitors insurance for pre-existing conditions?

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

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

How does travel insurance for pre-existing conditions work?

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

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

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

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

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

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

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

Pre-existing conditions coverage - FAQ's

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

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

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

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

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

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

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.

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.

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.

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.

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.

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.

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

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

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

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.
Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
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.

Resourceful visitors insurance for pre existing conditions information

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Travel insurance for pre existing conditions claims procedure

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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 travel medical insurance coverage, and seek to buy plans that specifically offer some coverage for pre-existing conditions. Click here to read more

Diabetes and Pre Existing Visitor Medical Insurance

Get free quotes of pre existing visitor medical insurance and compare. Some of the tips for diabetes patients to be healthy. Click here to read more

Senior citizen travel insurance links

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Visitor health Insurance for travelers above 80 years

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