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
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.
Examples of Acute Onset of pre-existing Conditions
Please note that every situation is different, here are some general examples:
- A person with high blood pressure or diabetes or someone with prior health conditions suddenly has a heart attack.
- A person with asthma suddenly experiences a severe asthma attack.
- A person with diabetes suddenly has a diabetic stroke.
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.
How much does Worldtrips pre-existing condition travel insurance cost in USA?
The cost of Worldtrips travel insurance with pre-existing conditions 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.
What is the best WorldTrips annual travel insurance with pre existing medical conditions coverage?
Atlas America insurance
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Atlas travel insurance - Acute onset of pre-existing conditions
- This coverage applies if a pre-existing condition suddenly worsens.
- It covers up to the policy's maximum limit, as long as the insured person is under 80 years old.
If you need to be urgently evacuated for medical reasons due to a pre-existing condition, it covers up to $25,000 for the emergency evacuation.
-
Atlas America insurance - Eligibility
- Ideal travel medical insurance plan for visitors to USA.
- For ages from 14 days to 99 years. (Pre-existing conditions are covered only for individuals up to 80 years old)
- Coverage from 5 days to 364 days.
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Atlas America travel insurance - Key highlights
- Ideal plan for parents visiting their children in USA.
- International students and exchange program participants also eligible for this plan.
- Emergency medical evacuation covered up to $1,000,000.
- Urgent care covered up to $15 copay.
- Coverage for complications of pregnancy in the first 26 weeks of gestation.
- Offers sports coverage for eligible injuries and illnesses that could occur while participating in vacation sports at no additional cost.
-
Atlas America insurance - Coinsurance
Coinsurance the plan pays 100% up to policy maximum.
Atlas International insurance
-
Atlas International insurance - Acute onset of pre-existing conditions
- This coverage applies if a pre-existing condition suddenly worsens.
- It covers up to the policy's maximum limit, as long as the insured person is under 80 years old.
If you need to be urgently evacuated for medical reasons due to a pre-existing condition, it covers up to $25,000 for the emergency evacuation.
-
Atlas International insurance - Eligibility
- Available for Non US citizens or US citizens traveling outside their home country, Excluding USA.
- For ages from 14 days to 99 years. (Pre-existing conditions are covered only for individuals up to 80 years old)
- Coverage from 5 days to 364 days.
-
Atlas International travel insurance - Key highlights
- Plan meets Schengen visa requirements.
- Emergency medical evacuation covered up to $1,000,000.
- Urgent care covered up to $15 copay.
- Coverage for complications of pregnancy in the first 26 weeks of gestation.
- Offers sports coverage for eligible injuries and illnesses that could occur while participating in vacation sports at no additional cost.
- Border entry protection benefit covered up $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border.
-
Atlas International insurance - Coinsurance
- Coinsurance the plan pays 100% up to policy maximum.
Atlas America Premium insurance
-
Atlas America Premium insurance - Acute onset of pre-existing conditions
- This coverage applies if a pre-existing condition suddenly worsens.
- It covers up to the policy's maximum limit, as long as the insured person is under 80 years old.
If you need to be urgently evacuated for medical reasons due to a pre-existing condition, it covers up to $25,000 for the emergency evacuation.
-
Atlas travel insurance - Eligibility
- Best travel medical insurance plan for visitors to USA.
- For ages from 14 days to 99 years. (Pre-existing conditions are covered only for individuals up to 80 years old)
- Coverage from 5 days to 364 days.
-
Atlas America Premium travel insurance - Key highlights
- Ideal for families, tourists, business travelers, vacationers, and adventure seekers looking for higher coverage limits on short trips.
- Parents looking to purchase insurance with higher coverage limits for their children and themselves.
- Emergency medical evacuation covered up to $1,000,000.
- Urgent care covered up to $15 copay.
- Coverage for complications of pregnancy in the first 26 weeks of gestation.
- Offers sports coverage for eligible injuries and illnesses that could occur while participating in vacation sports at no additional cost.
- Border entry protection benefit covered up $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border.
-
Atlas America Premium insurance - Coinsurance
- Coinsurance the plan pays 100% up to policy maximum
Atlas International Premium insurance
-
Atlas International Premium insurance - Acute onset of pre-existing conditions
- This coverage applies if a pre-existing condition suddenly worsens.
- It covers up to the policy's maximum limit, as long as the insured person is under 80 years old.
If you need to be urgently evacuated for medical reasons due to a pre-existing condition, it covers up to $25,000 for the emergency evacuation.
-
Atlas International Premium insurance - Eligibility
- Best plan for Non US citizens or US citizens traveling outside their home country, Excluding USA.
- For ages from 14 days to 99 years. (Pre-existing conditions are covered only for individuals up to 80 years old)
- Coverage from 5 days to 364 days.
-
Atlas International Premium insurance - Key highlights
- Ideal for families, tourists, business travelers, vacationers, and adventure seekers looking for higher coverage limits on short trips.
- Satisfies Schengen visa requirements.
- Emergency medical evacuation covered up to $1,000,000.
- Urgent care covered up to $15 copay.
- Coverage for complications of pregnancy in the first 26 weeks of gestation.
- Offers sports coverage for eligible injuries and illnesses that could occur while participating in vacation sports at no additional cost.
-
Atlas International Premium insurance - Coinsurance
- Coinsurance the plan pays 100% up to policy maximum.
Atlas Nomads insurance
-
Atlas Nomads insurance - Acute onset of pre-existing conditions
- This coverage applies if a pre-existing condition suddenly worsens.
- It covers up to the policy's maximum limit, as long as the insured person is under 70 years old.
If you need to be urgently evacuated for medical reasons due to a pre-existing condition, it covers up to $25,000 for the emergency evacuation.
-
Atlas Nomads insurance - Eligibility
- Available for non-U.S. citizens/residents traveling and working abroad.
- For ages from 14 days to 70 years.
- Coverage from 5 days to 364 days.
-
Atlas Nomads travel insurance - Key highlights
- Best International travel health insurance for Digital nomads and worldwide explorers.
- International travel health insurance for Digital nomads and worldwide explorers.
- Coverage for unexpected medical expenses, including an emergency medical evacuation benefit.
- A monthly payment option and coverage you can purchase prior to departure (or at any point during your travel).
- Coverage for up to $250,000 in eligible medical expenses with no deductible.
- Border entry protection benefit covered up $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border
-
Atlas Nomads insurance - Coinsurance
- Coinsurance the plan pays 100% up to policy maximum.
VisitorSecure insurance
-
VisitorSecure insurance - Acute onset of pre-existing conditions
- his coverage applies if a pre-existing condition suddenly worsens.
- It covers up to the policy's maximum limit, as long as the insured person is under 70 years old.
If you need to be urgently evacuated for medical reasons due to a pre-existing condition, it covers up to $25,000 for the emergency evacuation.
-
VisitorSecure insurance - Eligibility
- Travel medical insurance for both US and Non US citizens traveling outside their home country.
- For ages from 14 days to 99 years. (Pre-existing conditions are covered only for individuals up to 70 years old)
- Coverage from 5 days to 364 days.
-
VisitorSecure insurance - Key highlights
- Cheapest travel insurance for parents and older travelers visiting USA.
- Emergency medical evacuation covered up to $50,000 lifetime maximum.
- Direct billing through United healthcare ppo network.
- Emergency dental coverage covered up to $550.
WorldTrips travel insurance for pre-existing conditions - FAQ's
Atlas America is a best travel insurance pre existing conditions Insurance that offers coverage for acute onset of pre-existing are covered up to the age of 80 years. 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.
WorldTrips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.
WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas travel insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International and Atlas Essential.
The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.
The cost of the Worldtrips travel insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.
You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas Travel plans. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents.
The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
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.
Yes. 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.
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.
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.
WorldTrips pre-existing conditions travel insurance
WorldTrips acute onset of pre-existing conditions travel insurance coverage
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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To file a claim with WorldTrips health Insurance, follow these steps:
- Download the Claims Form: Access the WorldTrips claims form online.
- WorldTrips travel insurance customer service: Call the toll-free number 1-800-605-2282 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: WorldTrips PO Box 240358 Apple Valley, MN 55124
- Email Assistance: For additional help or inquiries, email service@worldtrips.com.
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