🌍 WorldTrips Travel Insurance for Pre-Existing Conditions
Travelling to another country can be worrying if you already have a health problem. This is especially true for parents or older people visiting their family in the USA. WorldTrips offers travel medical insurance plans that include coverage for the sudden start of a pre-existing condition. This means if an old health issue suddenly becomes serious while you are travelling, the plan can help pay for emergency medical treatment. It gives peace of mind to travelers who have stable or controlled health conditions.
💊 What Qualifies as a Pre-Existing Condition for Travel Insurance?
"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 conditionAcute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The acute onset of pre-existing Condition benefit will only apply if all of the following conditions are met:
- The Acute Onset of a pre-existing Condition does not directly or indirectly relate to a chronic condition or congenital condition.
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence.
- You must be under eighty (80) years of age.
- You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider.
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition.
- You must be traveling outside your home country.
However, the insurance company will review if a claim qualifies as an acute onset of a pre-existing condition based on medical records and the doctor's report. Not all cases listed above may be covered.
Look back periodThe look back period for a policy determines whether you have a pre-existing condition. It is the period of time that the insurance provider looks back to see if there has been any changes in a medical condition.
🏆 Which Is the Best Travel Insurance for Pre-Existing Conditions?
The most popular World trips travel insurance pre-existing conditions coverages are Atlas America Insurance, Atlas Premium Insurance, Atlas International and Visitor secure. These travel medical insurance plans provide coverage for the acute onset of pre-existing conditions, giving peace of mind to travelers, seniors, and parents visiting the USA. Each plan offers different medical limits and benefits to suit various travel needs and budgets.
VisitorSecure Insurance
VisitorSecure is a budget-friendly plan suitable for short-term visitors to the USA. It offers fixed benefit coverage for medical expenses and includes acute onset of pre-existing conditions for travelers under 70 years old. It’s a good option for travelers seeking basic, low-cost protection.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 80.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $50,000 to $130,000.
Atlas America Insurance
Atlas America is a popular choice for visitors traveling to the USA, including parents and seniors. It covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 80. The plan offers comprehensive medical benefits, emergency evacuation, and trip interruption coverage.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 80.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $50,000 to $2,000,000.
Atlas America Premium Insurance
Atlas Premium offers the highest level of coverage among WorldTrips plans. It provides a higher limit for the acute onset of pre-existing conditions and is best for travelers who want stronger protection, higher medical limits, lower out-of-pocket costs, and more comprehensive benefits.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 80.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $50,000 to $2,000,000.
Atlas International Insurance
Atlas International is designed for U.S. citizens or residents traveling outside the USA. It also includes coverage for the acute onset of pre-existing conditions under age 80. This plan offers flexible policy periods and strong global protection for business or leisure trips abroad.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 80.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $50,000 to $2,000,000.
Atlas International Premium Insurance
Atlas International Premium is designed for U.S. citizens and residents traveling outside the USA. It offers a higher level of protection than the standard Atlas International plan, including enhanced coverage for the acute onset of pre-existing conditions for travelers under age 80. The plan provides flexible policy options, higher medical limits, and comprehensive global protection for both business and leisure travel.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 80.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $50,000 to $2,000,000.
Atlas Japan Secure Insurance
Atlas JapanSecure is designed for U.S. citizens and non-U.S. citizens traveling to Japan for business, study, or vacation. It offers comprehensive medical coverage and includes benefits for the acute onset of pre-existing conditions for travelers under age 80.
Pre-Existing Coverage Details:- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 80.
- This coverage applies if a pre-existing condition suddenly worsens.
- If you need urgent medical evacuation due to an acute onset of a pre-existing condition, the plan covers up to $25,000 for emergency transport.
- This plan offers policy maximum options ranging from $50,000 to $2,000,000.
📊 WorldTrips Travel Insurance Pre-Existing Conditions Coverage Comparison
Here’s a quick comparison of WorldTrips travel insurance plans available through American Visitor Insurance that include coverage for the acute onset of pre-existing conditions. Each plan is designed for different traveler types, from visitors to the USA to U.S. citizens traveling abroad. This table helps you understand the coverage limits, age eligibility, and key benefits of each plan.
| Plan | Best For | Coverage for Acute Onset of Pre-Existing Conditions | Key Highlights |
| Atlas America | Visitors to the USA (non-US citizens/residents) | Yes (under age 80) | High medical limits, multiple deductible options |
| Atlas Premium | Travelers seeking enhanced protection | Yes (under age 80) | Highest level of coverage, lower out-of-pocket costs |
| Atlas International | U.S. citizens/residents traveling outside USA | Yes (under age 80) | Global travel focus, flexible policy periods |
| VisitorSecure | Budget-friendly short-term visitors to USA | Yes (under age ~70) | Fixed-benefit plan, cost-effective option |
| Atlas JapanSecure | U.S. & non-U.S. citizens visiting Japan | Yes (under age 80) | Designed specifically for Japan travel, includes high evacuation coverage up to US $1 million |
💵 How Much Does WorldTrips Acute Onset of Pre-Existing Condition Travel Insurance Cost in USA?
The cost of WorldTrips travel insurance with acute onset of pre-existing condition coverage in the USA ranges from $55 to $414 per month. The price depends on the visitor's age, medical coverage maximum, and deductible.
| Plan Name | Maximum Coverage | Deductible | Cost * |
|---|---|---|---|
| VisitorSecure Insurance | $50,000 - $130,000 | $100 | $55 - $76 |
| Atlas America Insurance | $50,000 - $2,000,000 | $250 | $160 - $342 |
| Atlas America Premium Insurance | $50,000 - $2,000,000 | $250 | $200 - $427 |
| Atlas Nomads Insurance | $250,000 | $0 | $414 |
The cost of WorldTrips travel insurance with pre-existing conditions coverage outside the USA ranges from $55 to $200 per month.
| Plan Name | Maximum Coverage | Deductible | Cost * |
|---|---|---|---|
| VisitorSecure Insurance | $50,000 - $130,000 | $100 | $55 - $76 |
| Atlas International Insurance | $50,000 - $2,000,000 | $250 | $105 - $141 |
| Atlas International Premium Insurance | $50,000 - $2,000,000 | $250 | $148 - $197 |
| Atlas Nomads Insurance | $250,000 | $0 | $200 |
*The average cost of pre-existing condition visitor insurance is based on one month quotes for travelers aged 60.
✈️ WorldTrips Acute Onset of Pre-Existing Conditions Travel Insurance
Atlas travel insurance, Atlas America Insurance and Atlas Premium Insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
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❓WorldTrips Travel Insurance for Pre-existing Conditions FAQ's
1. What Is Considered a Pre-Existing Condition in WorldTrips Travel Insurance?
A pre-existing condition refers to any illness, injury, or medical condition that existed before your policy start date — whether diagnosed or not. WorldTrips defines this based on medical history and treatment received during a look-back period (usually two years).
2. Does WorldTrips Travel Insurance Cover Pre-Existing Conditions?
Yes, WorldTrips travel insurance plans cover the acute onset of pre-existing conditions for travelers up to 79 years old. This benefit applies when the recurrence is sudden, unexpected, and requires immediate medical treatment.
3. Which WorldTrips Plans Cover Acute Onset of Pre-Existing Conditions?
The following WorldTrips travel insurance plans provide coverage for the acute onset of pre-existing conditions: Atlas America, Atlas Premium, Atlas International, VisitorSecure, and Atlas JapanSecure. These plans are designed for different types of travelers from visitors to the USA to U.S. citizens and non-U.S. residents traveling abroad offering protection for sudden and unexpected recurrences of existing medical conditions.
4. How Much Does WorldTrips Travel Insurance for Pre-Existing Condition Coverage Cost?
The cost depends on factors such as age, trip duration, coverage limit, and destination. On average, travelers can expect to pay between $1.50 to $5 per day on American Visitor Insurance, with higher premiums for older travelers or longer trips.
5. Who Is Eligible for WorldTrips’ Acute Onset of Pre-Existing Condition Coverage?
Travelers must be under 80 years old, traveling outside their home country, and not seeking treatment for an existing condition. They must also receive treatment within 24 hours of the sudden onset.
6. Can I Buy WorldTrips Insurance With Pre-Existing Coverage Through American Visitor Insurance?
Yes. You can compare and purchase all WorldTrips plans including Atlas America, Atlas Premium, Atlas International, VisitorSecure, and Atlas JapanSecure directly through American Visitor Insurance for quick quotes and easy enrollment.
7. Which Is the Best Travel Insurance for Seniors with Pre-Existing Medical Conditions?
WorldTrips plans like Atlas America, Atlas Premium and VisitorSecure are best for seniors as they cover the acute onset of pre-existing conditions for travelers up to 79 years old. These plans offer reliable protection for sudden medical emergencies during travel.
8. What Does WorldTrips Travel Insurance Pre-Existing Conditions Coverage Include?
WorldTrips travel insurance provides coverage for the acute onset of pre-existing conditions under plans like Atlas America, Atlas Premium, VisitorSecure, Atlas International and Atlas JapanSecure. This benefit helps travelers under 80 get emergency medical treatment for a sudden and unexpected recurrence of an existing condition.
Atlas America is a travel medical insurance plan that offers coverage for the acute onset of pre-existing conditions for travelers up to 80 years of age. It excludes coverage for chronic and congenital conditions. For visitors aged up to 70 years, it offers coverage up to overall maximum limit. Visitors aged between 70 to 79 years can get coverage up to the overall maximum limit or $100k, whichever is lower.
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.
Atlas travel insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.
Visitor secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America Insurance policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.
WorldTrips defines 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.
WorldTrips’s Atlas America Insurance and Atlas Premium Insurance are comprehensive plans. These plans will offers Acute on set of pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of pre-existing conditions up to overall maximum limit, under age 70.
These Acute on set of pre-existing condition excludes the following conditions
- Chronic condition or congenital condition.
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence.
- Traveler must not be traveling against the recommendations of established treatment programs, or medical advice of a physician or other healthcare provider.
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition.
🛡️ Why Should I Buy Pre-Existing Conditions Visitors Insurance Offered by WorldTrips on American Visitor Insurance?
American Visitor Insurance offers an easy and transparent way to compare WorldTrips travel insurance plans that include coverage for the acute onset of pre-existing conditions — such as Atlas America Insurance, Atlas Premium Insurance, Visitor secure, Atlas International, and Atlas JapanSecure. Travelers can use our side-by-side comparison tools to review plan benefits, exclusions, and prices to choose the best option based on their health needs, age, and travel destination.
In addition, American Visitor Insurance provides a wide range of educational resources including FAQs, blogs, and guides to help travelers clearly understand how acute onset of pre-existing condition coverage works before purchasing a plan.
Our licensed customer support team, with over two decades of experience in the travel insurance industry, is available across multiple U.S. time zones (East and West Coast) to assist with:
- Choosing the right WorldTrips plan for your travel and health profile.
- Explaining how acute onset of pre-existing condition coverage works.
- Guiding you through the online purchase process.
- Providing claims assistance if you need to use your plan while abroad.
With American Visitor Insurance, you get both trusted WorldTrips plans and personalized expert support, ensuring peace of mind for travelers with existing health conditions or ongoing medical concerns.
🧾 Summary of Best Pre-Existing Conditions Visitors Insurance by WorldTrips
This page explains how WorldTrips travel insurance helps travelers with pre-existing medical conditions. WorldTrips offers some of the best travel insurance plans for pre-existing conditions, both for visitors to the USA and for U.S. citizens or non-U.S. residents traveling abroad.
The following WorldTrips plans provide acute onset of pre-existing condition coverage: Atlas America Insurance, Atlas Premium Insurance, Visitor secure, Atlas International, and Atlas JapanSecure.
You can compare and buy these plans easily through American Visitor Insurance for complete travel protection.
