Fixed Benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Comprehensive plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Pre-existing condition is a medical ailment that existed before the start of the travel insurance policy.Pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours. As of a few years ago, companies now exclude chronic illnesses from this "Pre-existing condition" coverage which has deep impacts to people purchasing travel health insurance, particularly people with these conditions and older travelers.
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, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however most insurance providers only provide coverage for pre-existing conditions which excludes chronic illnesses, like cancer, diabetes, and heart conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim.
Some insurance providers offer travel insurance for pre-existing conditions with fixed or limited coverage which may be suitable for people without chronic illnesses, like food allergies and certain asthma conditions. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is 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 travel insurance plans for travelers with full coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.
They have two plans which have this coverage: INF Premier and INF Elite. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations : INF Elite, Elite Plus and INF Elite 90.
To compare the best travel insurance for full pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.
Here are some travel insurance tips for travelers with pre-existing conditions
There are several visitors insurance plans available for international travel. However, many travel insurance and visitors 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. Therefore, the insurance company may deny a claim if the ailment already existed when the travel insurance was purchased. However, there are some travel medical insurance plans that offer coverage for pre-existing conditions and the policy clearly defines a look-back period and what is covered for 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 the 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. The coverage 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 plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.
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.
The following are important factors for buying travel insurance for pre-existing conditions
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.
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, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus 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, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus 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, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plan pages. INF plans are open to green card holders
Appreciate all the help that you provided me. It really worked well and I was able to purchase the cover I was.....
I am always appreciating good business conduct and when I am coming back here for the longer time span.
Thank you for your prompt response. Your prompt response will be highly appreciated.
For Pre-existing medical conditions and covid
International travel has slowly started again after the complete lockdown due to the Covid 19 pandemic. However given the health risks for older travelers in light of the pandemic, it is very important to have travel insurance over 80 years which includes covid travel medical insurance for seniors over 80 years. Senior Citizens can buy holiday insurance over 80 years by comparing travel insurance for the elderly over 80 with Covid coverage by using our over 80 travel insurance compare tool.
In the compare travel insurance for over 80 years old tool, we have a question clarifying if you need to compare travel insurance over 85 for Covid coverage. Even within our display comparing best over 80s travel insurance for Covid19, we have a "filter" option where seniors can filter for Senior citizens Covid 19 travel insurance over 80 plans only. Based on Covid travel insurance requirements for seniors we display all the available Covid travel medical insurance for seniors over 80 plans from top rated US insurance providers.
It is nice to see more seniors traveling both within the US and overseas, and it is important to have travel insurance for seniors over 80. To answer the question whether there is senior travel insurance for over 80 year old travelers - Yes, one can get US travel health insurance for over 80 years old travelers, however the coverage is limited and the price is quite expensive. Unfortunately there are no cheap travel insurance for seniors over 80, with even the limited fixed benefits senior travel insurance for 80 year olds to usa being quite expensive. Senior citizen travelers are encouraged to compare different visitors insurance for parents over 80 to usa plan options both for the price as well as coverage benefits before buying a US travel insurance for 80 year olds.
There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies. The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19 ... The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.
There is no denying that travel insurance for the elderly over 80 years to USA is unfortunately extremely expensive. The main reason for this is that the cost of US healthcare is very expensive and the over 80 travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance over 80 plans to be very expensive is that there are specially designed travel insurance for over 80 years old travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.
Older travelers over 80 years have their own specific requirements for seniors travel insurance during international travel. It is important to know what is covered in travel insurance and what is excluded. There is no one best insurance that fits the needs of all travelers, so being well informed is very important. The decision of the best travel insurance for the over 80s depends on factors like the policy maximum, coverage for pre-existing conditions, look back period, coverage for trip interruption, and many more benefits. It also depends on the type of plan and the flexibility in the coverage. It is always recommended to choose comprehensive plans for their flexible coverage. The age of the traveler plays an important role in determining what is the best travel insurance for the traveler since older travelers are more vulnerable to healthcare needs while traveling outside their comfort zone.
80+ Travel Insurance is necessary to cover any medical expense incurred from unexpected sickness and injury when senior travelers are outside their home country. The importance has increased even more after the Covid pandemic and the Ukraine war and now most travel insurance plans provide coverage for Covid-19. Travel Insurance plans provide other important benefits like Medical Evacuation, Repatriation, and coverage for the acute onset of pre-existing conditions.
Senior citizens aged 80 years and above can use Urgent Care clinics, make appointments at a doctor's office or go the hospital, if needed. However, seniors will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting the best travel insurance for seniors or US older tourist health insurance plan for the full duration of their stay in the USA.
While most US travelers insurance plan do not cover pre-existing conditions, however some US travel insurance plans for 80+ cover acute onset of pre-existing conditions. INF insurance is the one provider who offers travel insurance with coverage for pre-existing conditions. 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.
Older travelers can easily compare different travel insurance over 80 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies.
Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan
Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:
Visitor health insurance which insures mainly the health of the traveler against accident or sickness when he/she is traveling overseas is very important since healthcare is very expensive, especially in the USA. Visitor health insurance is important even if you have health insurance in your home country which you believe will work in the US. The main reason for this is that US insurance providers negotiate with the healthcare providers in the US to get a better pricing for medical services, something that is not available to international insurance providers. This makes US healthcare very expensive even with travel medical insurance coverage which do not have negotiated rates with US healthcare providers.
Visitor insurance which focuses on insuring the travel expenses along with the health of the traveler is very important to protect travelers from unforeseen risks and emergencies that may occur during their trip. Travel insurance can provide coverage for various situations such as:
Having the best visitor insurance is really important given its relative cost to that of the trip and the cost of healthcare overseas. Visitor insurance can help you save money, time, and hassle in case something goes wrong during your trip. It can also give you peace of mind and confidence to enjoy your travel experience. Therefore, travel insurance is strongly recommended for travelers to travel safely and securely.
It is easy to find the best visitor insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.
The cost of travel health insurance which focuses on the health of the traveler depends on factors such as:
Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:
The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.
Note : Hop Travel Assist plans are not available if visitors are already in abroad
Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper and Hop Trip Assist Plus plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.
INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.
The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.
INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper and Hop Trip Assist Plus. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.
The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.
The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan.
The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.
The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.
You can apply for INF insurance online through American Visitor Insurance. You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.
The maximum length of coverage for INF insurance is 364 days.
INF insurance is available for international visitors to the United States, Canada or Mexico.
The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.
To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.
There is a minimum purchase of 90 days required to buy these INF Elite plans.
The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).
For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.
The best US visitors insurance with pre-existing conditions coverage is listed here:
Travel health insurance for senior citizens.
Read more »Older US citizens more than 65 years traveling overseas must be aware of travel risk and importance of international travel insurance. These US older travelers should be aware that their local US health insurance plans including Medicare provide very little if any coverage outside the United States. The travel insurance plans offered here complement US domestic insurance plans including those actively enrolled in Medicare Parts A & B and enrolled in a Medigap Plan or Medicare Advantage Plan. These plans are secondary to Medicare, a Medigap and/or a Medicare Advantage Plan and provides coverage for medical expenses outside the US only.
International travel insurance resources for senior citizen travelers while visiting the US.
Explore »
Important factors while deciding on the best travel insurance for older travelers.
Explore »
Understanding different insurance types of older traveler insurance plans online.
Explore »
Older traveler insurance online claims process for getting medical care in a hospital.
Explore »Senior Citizen travel insurance
Senior travelers above 60 years
Senior citizen insurance over 65
Trave insurance 70 years
Senior travelers over 75 years
Senior travelers over 80 years
Senior travelers over 90 years
Pre-existing visitors insurance
Parents visitors insurance for USA
Schengen visa plans for Seniors
Best Travel insurance for Covid - Know more
